Direct Subsidized and Unsubsidized Aggregate Loan Limits

There are aggregate loan limits. Students who qualify may borrow the following to complete an undergraduate degree:

• Dependent Students up to $31,000 of which only $23,000 can be subsidized
• Independent Students up to $57,500 of which only $23,000 can be subsidized

If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you are not eligible to receive additional loans. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit, you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit. For information on the aggregate loan limits for graduate or professional students, visit

There are other resources students can use to help pay education expenses not covered by other financial aid. The borrower must not have an adverse credit history. The maximum loan amount is the student’s cost of attendance (determined by the school) minus any other financial aid received. The student must complete the FAFSA (Free Application for Federal Student Aid) at and the parent must apply for the Direct PLUS loan at If a parent borrower is unable to secure a PLUS loan, the student may be eligible for additional unsubsidized loans to help pay for his or her education expenses. Additional information is available through the Financial Aid Office or at

Alternative/Private Loans are offered by various lenders to assist students and parents in meeting educational expenses. Such funds may assist families that do not qualify for or need to supplement other forms of financial aid. Some information is available on ELMSelect which can be accessed from the NCC financial aid page of the NCC website. Lender Code of Conduct. Information is available on the Code of Conduct for the Federal Direct Loan and Private Loan Programs