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The U.S. Department of Education sets borrowing limits for the Direct Lending (DL) programs as indicated in the table below. HCC has the right to deny any loan request based on such factors as unwillingness to repay, borrowing history, and academic progression. To view your previous borrowing history, please go to


            Annual Loan Limits by Grade Level                 

Grade Level

Base Amount
(Subsidized/Unsubsidized eligibility
determined by Financial Aid Services)

 Additional Unsubsidized Amount




Grade Level 1
(1-29 credits completed)




Grade Level 2
(30 or more credits completed)




Aggregate Loan Limits

Dependent Undergraduate $31,000 (Subsidized aggregate limit may not exceed $23,000)
Independent Undergraduate $57,500 (Subsidized aggregate limit may not exceed $23,000)
Graduate/Professional $138,500 (Subsidized aggregate limit may not exceed $65,500)

*Dependent students who have a current PLUS loan denial on file with our office may be eligible to borrow an additional $4000 in Unsubsidized loan. The PLUS denial along with a loan request or a request to increase loan form (located on the Financial Aid Forms page) must be submitted in person to Financial Aid Services.
**The maximum loan amount an undergraduate student may borrow must be prorated in certain situations.  For example, loans must be prorated i
f the borrower is enrolled in an eligible program of study that is shorter than a full academic year or when a borrower is enrolled in a program that is one academic year or more in length but the borrower is in a remaining period of study that is shorter than a full academic year. 


Students who need to resolve problems or disputes on any of the following federal loans may contact the Federal Student Aid Ombudsman: Direct Loans, Federal Family Education Loans, Guaranteed Student Loans, SLS Loans, or Perkins Loans .

Contact Financial Aid Services
Office: 443-518-1260
Fax: 443-518-4576

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