Student Federal Direct Loan Eligibility Calculator

Beginning July 1, 2026, colleges are required to prorate Subsidized and Unsubsidized loan eligibility for students who are enrolled less than full-time (12 credits) per semester.

Using this calculator, enter the number of credits you plan to take for the upcoming Fall and/or Spring semesters, as well as your dependency status and class, to determine the maximum amount you can request to borrow in each semester.