Loan Calculator

Calculate limits under 34 C.F.R. §685.203(m), effective July 1, 2026

Student Information

Academic Level

Dependency Status

Annual loan maximums for your level

Max Subsidized

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Max Unsubsidized

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Loan Term

Are you requesting a loan for a single term or multiple terms?

Which term(s) are you requesting a loan for?

✓Summer ✓Fall ✓Spring

Please select at least 2 terms.

Enrollment & Loan Request

Summer Credits Must be enrolled in at least 6 credits to be eligible.

Fall Credits Must be enrolled in at least 6 credits to be eligible.

Spring Credits Must be enrolled in at least 6 credits to be eligible.

Term A Credits Must be enrolled in at least 6 credits to be eligible.

Term B Credits Must be enrolled in at least 6 credits to be eligible.

Enrollment Intensity —

Requested subsidized

Requested unsubsidized

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If you are enrolled in fewer than 6 credits during Summer, those credits may still be used in the official calculation of your loan award.

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Disbursement Results — —

Enrollment Intensity —

Adjusted Sub

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Adjusted Unsub

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Equal Disbursement

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Proportional Disbursement

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Proportional split is based on each term's share of total enrolled credits.

Enrollment & loan request

Which term?

Credits Must be enrolled in at least 6 credits to be eligible.

Intensity —

Half-year sub max

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Half-year unsub max

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The annual max is split in half first to set the single-term cap. Your requested amount cannot exceed this cap, and your eligible amount is your requested amount multiplied by enrollment intensity.

Requested Subsidized

Requested Unsubsidized

Disbursement results — Single Term

Enrollment intensity —

Adjusted sub

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Adjusted unsub

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Lump sum disbursement

Subsidized—

Unsubsidized—