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Loan Charts
Loan Charts
Federal Direct Loans 2025-2026
The chart below indicates who is eligible to receive which type of loan, including the interest rate, loan fee, and grace period.
| Subsidized Loan | Unsubsidized Loan | PLUS Loan | |
|---|---|---|---|
| Who Is Eligible? | Undergraduate & Credential Students | Undergraduate, Credential, & Graduate Students | Graduate Students & Parents (of Dependent Students) |
| Interest Rate | 6.39% | 6.39% Undergrad & Credential 7.94% Graduate | 8.94% |
| Loan Fee | 1.057% | 1.057% | 4.228% |
| Grace Period | 6 months | 6 months | 60 days |
| Does Interest Accrue? | No, not if enrolled in 6+ units. Interest accrues during repayment. | Yes, while student is enrolled in school. | Yes, while student is enrolled in school. |
Annual Limits
| Dependent | Independent | |
|---|---|---|
Freshmen (0-29 Units) | $5,500 Total (up to $3,500 subsidized) | $9,500 Total (up to $3,500 subsidized) |
Sophomores (30-59 units) | $6,500 Total (up to $4,500 subsidized) | $10,500 Total (up to $4,500 subsidized) |
Juniors & Seniors (60-180 units) | $7,500 Total (up to $5,500 subsidized) | $12,500 Total (up to $5,500 subsidized) |
| 2nd Bachelor's | $5,500 maximum | $12,500 Total (up to $5,500 subsidized) |
| Credential Candidates | $5,500 maximum | $12,500 Total (up to $5,500 subsidized) |
| Masters* & Doctorate* | N/A | $20,500 Total (only unsubsidized) |
*Student is considered Independent by Definition
Lifetime Limits
| Dependent | Independent | |
|---|---|---|
| Undergraduate, 2nd Bachelors, & Credential | $31,000 Total (up to $23,000 subsidized) | $57,500 Total (up to $23,000 subsidized) |
| Masters & Doctorate | N/A | $138,500 Total (up to $65,500 subsidized) |