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Financial Aid: Keeping USF Affordable
Financial Aid: Understanding the Cost of Tuition

Federal Direct Stafford Subsidized Loans

Federal Direct Stafford Subsidized Loans may be offered to undergraduate students who demonstrate financial need. When considering the amount you can borrow, we’ll take the cost of attendance, expected family contributions, and any other estimated financial aid into account.

Federal Direct Stafford Loans

Dependent Students
(whose parents were not denied a PLUS loan)
Combined Base Limit for Subsidized and Unsubsidized Loans Additional Limit for Unsubsidized Loans Total Limit for Unsubsidized Loans (minus subsidized amounts)
First-Year Undergraduate (Freshman) $3,500 $2,000 $5,500
Second-Year Undergraduate (Sophomore) $4,500 $2,000 $6,500
Third-Year and Beyond Undergraduate (Junior, Senior) $5,500 $2,000 $7,500
Independent Students
(and dependent students whose parents were denied a PLUS loan)
Combined Base Limit for Subsidized and Unsubsidized Loans Additional Limit for Unsubsidized Loans Total Limit for Unsubsidized Loans (minus subsidized amounts)
First-Year Undergraduate (Freshman) $3,500 $6,000 $9,500
Second-Year Undergraduate (Sophomore) $4,500 $6,000 $10,500
Third-Year and Beyond Undergraduate (Junior, Senior) $5,500 $7,000 $12,500
**Graduate and Professional Students (see Budget Control
Act Changes above effective
July 1, 2012)
Combined Base Limit for Subsidized and Unsubsidized Loans Additional Limit for Unsubsidized Loans Total Limit for Unsubsidized Loans (minus subsidized amounts)
Graduate and Professional Students $8,500     (until July 1, 2012) $12,000 ($20,500 after July 1, 2012) $20,500

Federal Direct Subsidized Loan Details

  • Interest Rates:For subsidized loans first disbursed between July 1, 2013 and June 30, 2014, the fixed interest rate will be 3.86% for all undergraduate borrowers and begins to accrue immediately after graduation or when a student ceases to be enrolled at least half-time.
  • Loan Fee: Effective July 1, 2013, a loan origination fee of 1.051% (will be subtracted from the gross amount of the loan by the Federal government. The fee is subtracted from the loan before it is disbursed.
  • Repayment: After you graduate, leave school or drop below half-time enrollment, you have a six-month grace period before you begin repayment. You may prepay all or part of a loan at any time without penalty. If you have more than one Federal student loan, be sure to specify which loan you are prepaying.

Aggregate Loan Limits - Federal Direct Stafford Loans

  Combined Base Limit for Subsidized and Unsubsidized Loans Additional Limit for Unsubsidized Loans Total Limit for Unsubsidized Loans (minus subsidized amounts)
Dependent Undergraduate Students (whose parents were not denied a PLUS loan) $23,000 $8,000 $31,000
Independent Undergraduate Students (and dependent students whose parents were denied a PLUS loan) $23,000 $34,500 $57,500
Graduate and Professional Students $65,500
(including undergraduate Stafford loans)
$73,000 $138,500