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If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you are not eligible to receive additional loans.

However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit, you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.

If you are enrolled in a two-year program, the maximum period for which you can receive Direct Subsidized Loans is three years (150 percent of 2 years = 3 years).

Because your maximum eligibility period is based on the length of your current program of study, your maximum eligibility period can change if you change to a program that has a different length.

Department of Education offers eligible students at participating schools Direct Subsidized Loans and Direct Unsubsidized Loans. If you choose not to pay the interest that accrues during your grace period, the interest will be added to your Program.

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The graduate aggregate limit includes all federal loans received for undergraduate study.All loan funds must be used for your education expenses.Learn more about the process of receiving federal student aid.If this limit applies to you, you may not receive Direct Subsidized Loans for more than 150 percent of the published length of your program.This is called your “maximum eligibility period.” Your maximum eligibility period is generally based on the published length of your current program.

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