background 0background 1background 2background 3

The CSU has a new policy on freedom of expression. Learn more.

Breadcrumb

Loan Charts

Loan Charts

Federal Direct Loans 2024-2025

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 StudentsUndergraduate, Credential, & Graduate Students     Graduate Students & Parents (of Dependent Students)
Interest Rate6.53%6.53%    Undergrad & Credential
8.08%    Graduate
9.08%
Loan Fee1.057%1.057%4.228%
Grace Period6 months6 months60 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 & DoctorateN/A

 $138,500 Total 

(up to $65,500 subsidized)