{"id":19542,"date":"2018-12-24T12:08:54","date_gmt":"2018-12-24T20:08:54","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=19542"},"modified":"2022-07-01T08:39:19","modified_gmt":"2022-07-01T15:39:19","slug":"how-much-can-you-borrow-in-student-loans-is-there-a-limit-2","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-limits\/","title":{"rendered":"Student Loan Limits: How Much in Student Loans You Can Get"},"content":{"rendered":"<p>You can take out student loans to help you cover the cost of college \u2014 but there\u2019s a limit to how much you can take out. So, exploring your other options like federal PLUS Loans and private student loans can help you fill that gap.<\/p>\n<p>The only borrowing limit on federal PLUS Loans is your cost of attendance (minus other financial aid you\u2019ve received). Private student loan limits can depend on your ability to repay, but many private lenders will cover up to the full cost of attendance.<\/p>\n<p><b>Here\u2019s what you need to know about your student loan limits and where to turn if you\u2019re maxed out:<\/b><\/p>\n<ul>\n<li><a href=\"#federal-loan-limits\">Federal loan limits<\/a><\/li>\n<li><a href=\"#plus-loan-limits\">PLUS loan limits<\/a><\/li>\n<li><a href=\"#private-loan-limits\">Private loan limits<\/a><\/li>\n<li><a href=\"#what-to-do-if-you-hit-your-federal-loan-limits\">What to do if you hit your federal loan limits<\/a><\/li>\n<li><a href=\"#how-much-should-you-borrow\">How much should you borrow?<\/a><\/li>\n<\/ul>\n<p><a name=\"federal-loan-limits\"><\/a><\/p>\n<h2>Federal loan limits<\/h2>\n<p>Federal loan limits depend on whether your parents are supporting you or not, and how far along you are in school. When you\u2019re an undergraduate, your family\u2019s finances will also determine whether you can qualify for <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/\">subsidized loans<\/a>, which don\u2019t rack up interest while you\u2019re in school.<\/p>\n<h3>Federal borrowing limits for dependent undergraduates<\/h3>\n\n<table id=\"tablepress-243\" class=\"tablepress tablepress-id-243 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Year in school<\/strong><\/th><th class=\"column-2\"><strong>Overall borrowing limit<\/strong><\/th><th class=\"column-3\"><strong>Subsidized borrowing limit<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>First year<\/strong><\/td><td class=\"column-2\">$5,500<\/td><td class=\"column-3\">$3,500<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Second year<\/strong><\/td><td class=\"column-2\">$6,500<\/td><td class=\"column-3\">$4,500<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Third year and beyond<\/strong><\/td><td class=\"column-2\">$7,500<\/td><td class=\"column-3\">$5,500<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Total limit<\/strong><\/td><td class=\"column-2\">$31,000<\/td><td class=\"column-3\">$23,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>If you depend on your parents for support, you\u2019re considered a dependent student. Dependent undergraduate students can take out $5,500 to $7,500 in federal student loans each year in they\u2019re in school, up to a total limit of $31,000. If your family qualifies, up to $23,000 of your total borrowing can be in subsidized loans.<\/p>\n<p>If you hit your annual or total borrowing limit and your parents can\u2019t qualify for a PLUS loan, the higher loan limits for independent undergraduates apply.<\/p>\n<h3>Federal borrowing limits for independent undergraduates<\/h3>\n\n<table id=\"tablepress-244\" class=\"tablepress tablepress-id-244 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Year in school<\/strong><\/th><th class=\"column-2\"><strong>Overall borrowing limit<\/strong><\/th><th class=\"column-3\"><strong>Subsidized borrowing limit<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>First year<\/strong><\/td><td class=\"column-2\">$9,500<\/td><td class=\"column-3\">$3,500<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Second year<\/strong><\/td><td class=\"column-2\">$10,500<\/td><td class=\"column-3\">$4,500<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Third year and beyond<\/strong><\/td><td class=\"column-2\">$12,500<\/td><td class=\"column-3\">$5,500<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Total limit<\/strong><\/td><td class=\"column-2\">$57,500<\/td><td class=\"column-3\">$23,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>If you\u2019re married, over the age of 24, a military veteran, or supporting yourself, you\u2019re considered an <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/independent-vs-dependent-status\/\">independent student<\/a>. If you\u2019re independent of your parents, you can borrow a little more \u2014 up to $12,500 a year, and $57,500 in total. But you can\u2019t take out more than $23,000 in subsidized loans as an undergraduate.<\/p>\n<p><em><strong>Learn More:<\/strong><strong> <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loans-for-military-personnel-and-families\/\">How Military Veterans and Dependents Can Pay for College<\/a><\/strong><\/em><\/p>\n<h3>Federal borrowing limits for graduate students<\/h3>\n\n<table id=\"tablepress-245\" class=\"tablepress tablepress-id-245 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Overall borrowing limit<\/strong><\/th><th class=\"column-3\"><strong>Subsidized borrowing limit<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Annual limit<\/strong><\/td><td class=\"column-2\">$20,500<\/td><td class=\"column-3\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Total limit<\/strong><\/td><td class=\"column-2\">$138,500<\/td><td class=\"column-3\">$65,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p>Your federal borrowing limits are higher if you\u2019re working on a master\u2019s or doctorate program, including an M.A., MBA, M.D., J.D., or Ph.D.<\/p>\n<p>The annual borrowing limit for grad students is $20,500 a year, and you can borrow up to $138,500 in total, including the loans you took out as an undergraduate. Since July 1, 2012, grad students aren\u2019t eligible to take out subsidized loans anymore. But it\u2019s possible for grad students who took them out before then to have up to $65,500 in subsidized loans.<\/p>\n<p><a href=\"https:\/\/www.credible.com\/blog\/statistics\/average-medical-school-debt\/\">Medical school students<\/a> can take out up to $224,000 in federal loans before turning to <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/grad-plus-loans\/\">grad PLUS<\/a> or <a href=\"https:\/\/www.credible.com\/student-loans\/medical-school-loans\">private medical school loans<\/a>. For most <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-pay-for-medical-school\/\">medical school students<\/a>, the annual borrowing limit on the more affordable federal student loans is $40,500.<\/p>\n<p><em><strong>Learn More: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/graduate-student-loan-limits\/\">Graduate Student Loan Limits: How Much Can You Get?<\/a><\/strong><\/em><\/p>\n<p><a name=\"plus-loan-limits\"><\/a><\/p>\n<h2>PLUS loan limits<\/h2>\n<p>Students and families who have hit their limits on the more affordable federal student loans often turn to PLUS loans. PLUS loans are available to both parents of undergraduates (<a href=\"https:\/\/www.credible.com\/blog\/student-loans\/what-are-parent-plus-loans\/\">parent PLUS loans<\/a>) and to graduate students (<a href=\"https:\/\/www.credible.com\/blog\/student-loans\/grad-plus-loans\/\">grad PLUS loans<\/a>).<\/p>\n<p>You can take PLUS loan right up to your school-certified cost of attendance, minus other financial aid you\u2019ve received. The cost of attendance includes not just your tuition and fees, but room and board, books, supplies, and transportation.<\/p>\n<p>There\u2019s no evaluation of your ability to repay a PLUS loan \u2014 you just have to pass a basic credit check. So it can be easy to borrow more than you\u2019ll be able to comfortably repay.<\/p>\n<p><b><i>Compare Rates: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/use-private-student-loans-fill-college-funding-gaps\/\"><b><i>Parent PLUS Loans vs. Private Student Loans<\/i><\/b><\/a><\/p>\n<p><em><strong>Keep Reading: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/borrowing-for-college\/\">3 Benefits to Letting Your Student Borrow for College<\/a><\/strong><\/em><\/p>\n<p><a name=\"private-loan-limits\"><\/a><\/p>\n<h2>Private loan limits<\/h2>\n<p>Limits on private student loans depend on your ability to repay a loan. Lenders look at how much of your monthly income would be required to repay your loan, and all your other existing obligations (your debt-to-income ratio). Because students usually don\u2019t have a history of credit and earnings, most <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-take-out-a-student-loan\/\">private student loans<\/a> to undergraduates are cosigned by a parent, or another relative or friend.<\/p>\n<p>In addition to looking at your ability to repay, most private student lenders will have a maximum loan limit. Regardless of how much you or your cosigner earns, private lenders won\u2019t lend more than your cost of attendance, minus other aid you\u2019ve received.<\/p>\n\n<table id=\"tablepress-246\" class=\"tablepress tablepress-id-246 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Loan limit<\/strong><\/th><th class=\"column-3\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-4\"><strong>Variable rates from (APR)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#citizens-bank-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\"><ul><li><strong>Undergrad and graduate:<\/strong><br \/>\nSchool\u2019s cost of attendance up to $150,000<\/li><li><strong>MBA and law:<\/strong><br \/>\n$225,000<\/li><li><strong>Medical school and parent loans:<\/strong><br \/>\n$350,000<\/li><\/ul><\/td><td class=\"column-3\">  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-4\">  <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"citizens-bank-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    4.99%+<sup><\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                720<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 to $350,000<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 10, 15<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan types:<\/span>\n                                Any private or federal student loan<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, interest only, immediate repayment, academic deferment, military deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay, loyalty<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Available in all 50 states (international students can apply with a creditworthy U.S. citizen or permanent resident cosigner)<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone, chat<\/li>\n                                                <li><span class=\"font-weight-bold\">Soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After 36 months<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                Firstmark Services<\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n                    <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#college-ave-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">Up to 100% of the school-certified cost of attendance<\/td><td class=\"column-3\">  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<br \/>\n<\/td><td class=\"column-4\">  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td colspan=\"4\" class=\"column-1\">            <div id=\"college-ave-psl\" class=\"collapse tablepress-lender-details__container\">\n                <ul>\n                                                <li><span class=\"font-weight-bold\">Fixed APR:<\/span>\n                                  <span>\n    2.84%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Variable APR:<\/span>\n                                  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/li>\n                                                <li><span class=\"font-weight-bold\">Min. credit score:<\/span>\n                                Does not disclose<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan amount:<\/span>\n                                $1,000 up to cost of attendance<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan terms (years):<\/span>\n                                5, 8, 10, 15, 20<\/li>\n                                                <li><span class=\"font-weight-bold\">Repayment options:<\/span>\n                                Full deferral, full monthly payment, fixed\/flat repayment, interest only, immediate repayment, academic deferment, forbearance, loans discharged upon death or disability<\/li>\n                                                <li><span class=\"font-weight-bold\">Fees:<\/span>\n                                Late fee<\/li>\n                                                <li><span class=\"font-weight-bold\">Discounts:<\/span>\n                                Autopay<\/li>\n                                                <li><span class=\"font-weight-bold\">Eligibility:<\/span>\n                                Must be a U.S. citizen or permanent resident and be making satisfactory academic progress.<\/li>\n                                                <li><span class=\"font-weight-bold\">Customer service:<\/span>\n                                Email, phone<\/li>\n                                                <li><span class=\"font-weight-bold\">Prequalified rates with a soft credit check:<\/span>\n                                Yes<\/li>\n                                                <li><span class=\"font-weight-bold\">Cosigner release:<\/span>\n                                After half of the scheduled repayment term has been completed<\/li>\n                                                <li><span class=\"font-weight-bold\">Loan servicer:<\/span>\n                                College Ave Servicing LLC\r\n<p><i><sup>Learn more about<a href=\"https:\/\/help.collegeavestudentloans.com\/hc\/en-us\/articles\/5560603133079-Can-a-cosigner-be-released-from-a-loan-\"> cosigner release requirements.<\/a> Requesting prequalified rates on Credible is free and doesn't affect your credit score. However, applying for or closing a loan will involve a hard credit pull that impacts your credit score and closing a loan will result in costs to you.<\/p><\/i><\/sup><\/li>\n                                    <\/ul>\n                            <\/div>\n        <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode\">\n            <div class=\"heading__container\">\n                <span class=\"heading\">\n                                            <a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Credible Rating<\/a>\n                                    <\/span>\n                                    <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n                        <img decoding=\"async\" class=\"icon-help\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n                        <span class=\"tip\">\n                            <span class=\"tip-content\">Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n                            <span class=\"tip-arrow\"><\/span>\n                        <\/span>\n                    <\/div>\n                            <\/div>\n            <div class=\"star-rating__container\" role=\"img\" aria-label=\"4 star rating\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n                        <\/div>\n            <div class=\"details-link\">\n                <a href=\"#\" class=\"collapsed\" data-target=\"#sallie-mae-psl\" data-toggle=\"collapse\" role=\"button\">View details<\/a>\n            <\/div>\n        <\/div>\n        <\/td><td class=\"column-2\">$1,000 up to 100% of the school-certified cost of attendance<br \/>\n<small>(minus other aid received)<\/small><\/td><td class=\"column-3\"><span style=\"font-weight: 400;\">  <span>\n    2.890%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><br \/>\n<\/td><td class=\"column-4\"><span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.370%<sup>9<\/sup>\n  <\/span>\n<\/span><br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><a name=\"what-to-do-if-you-hit-your-federal-loan-limits\"><\/a><\/p>\n<h2>What to do if you hit your federal loan limits<\/h2>\n<p>If you\u2019ve hit your annual or total federal loan limits, you can consider federal PLUS or private student loans. But first, it might be a good idea to:<\/p>\n<ol>\n<li><b>Talk to your school\u2019s financial aid office:<\/b> Some schools offer emergency grants to help students in need. You might also be offered the option to make monthly payments on your tuition and fees for the semester.<\/li>\n<li><b>Apply for work-study or a side gig: <\/b>Many colleges offer work-study programs based on financial need. Or look for part-time work off-campus to help you pay for <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-student-loans-can-be-used\/\">living expenses and books<\/a>.<\/li>\n<li><b>Cut your class load:<\/b> While cutting your class load might save a little money in the short run, it could cost you more in the long run. If it takes longer than four years to graduate, you might end up taking out more loans for the extra semester or two spent finishing your degree.<\/li>\n<li><b>Switch schools:<\/b> If you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/cant-afford-college\/\">can\u2019t afford to pay<\/a> for the school you\u2019re enrolled in, consider transferring to a public university where you can qualify for in-state tuition, or to a local <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/community-college-student-loans\/\">community college<\/a>.<\/li>\n<\/ol>\n<p>If you decide to take out a private student loan, be sure to consider as many lenders as possible to find the right loan for you. Credible makes this easy \u2014 you can compare your rates from multiple lenders in two minutes.<\/p>\n<p>Find out how much you\u2019ll owe over the life of your federal or private student loans using our student loan calculator below.<\/p>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"20000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"4\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"10\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n        loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    loan, assuming you're making full payments while in school.\n  <\/p>\n\n  <hr \/>\n  <div class=\"cta\">\n    \n<p><strong>Need a student loan?<\/strong><br \/>\nCompare rates without affecting your credit score. 100% free!<\/p>\n<p><a class=\"btn btn-lg btn-warning\" href=\"\/student-loans\/start\">Check Personalized Rates<\/a><\/p>\n<p><small>Checking rates won&#8217;t affect your credit score.<\/small><\/p>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<p><em><strong>Keep Reading: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/personal-loans-for-students\/\">16 Personal Loans for College Students<\/a><\/strong><\/em><\/p>\n<p><a name=\"how-much-should-you-borrow\"><\/a><\/p>\n<h2>How much should you borrow?<\/h2>\n<p>The low borrowing limits and interest rates on the most affordable federal loans for undergrads mean that most borrowers who finish their degrees can repay them.<\/p>\n<p>But if you go on to grad school, it\u2019s easier to take on the level of student loan debt that\u2019s more difficult to repay. The higher limits on PLUS loans can saddle you with six-figure loan debt.<\/p>\n<p>You can use the Department of Education\u2019s <a href=\"https:\/\/collegescorecard.ed.gov\/\">College Scorecard<\/a> to get an idea of how much debt it\u2019s reasonable to take on with the degree you are pursuing.<\/p>\n<div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><b>Tip: <\/b>A good rule of thumb is not to borrow more than what you expect your annual earnings to be after graduation.<\/div><\/div>\n<p><em><strong>See more: <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/only-take-what-you-need-dont-blow-your-student-loans\/\">Use Your Student Loans Wisely: Only Take Out What You Need<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can take out student loans to help you cover the cost of college \u2014 but there\u2019s a limit to how much you can take out. So, exploring your other options like federal PLUS Loans&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-limits\/\">Continue reading<\/a><\/p>\n","protected":false},"author":9,"featured_media":39236,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1484,1499],"class_list":{"0":"post-19542","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-refinance-student-loans","8":"tag-new","9":"tag-student-loan-basics-sidebar","10":"how-much-can-you-borrow-in-student-loans-is-there-a-limit-2","11":"post_tag-new","13":"post_tag-student-loan-basics-sidebar"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ 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