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Covers Basic Eligibility Requirements, Stafford Loans (subsidized and unsubsidized) including annual and aggregate limits plus fixed interest rates, and PLUS Loans including parent and Grad PLUS terms, credit requirements, rate and fee schedules. Also explains how interest rates are determined, repayment options, deferment effects, and income-driven plans.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/federal-student-loan-amounts-and-terms-for-loans-issued-in-2019-20-summary/586573/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/federal-student-loan-amounts-and-terms-for-loans-issued-in-2019-20-summary/586573.png","ImageObject",300,407,{"name":92,"@type":93},"Angel","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-31","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":24},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"Who is eligible for federal student loans issued in 2019-20?","Question",{"text":112,"@type":113},"Eligibility requires U.S. citizenship or permanent residency, at least half-time enrollment in a qualified program at a participating school, not being in default on a prior federal loan, and no drug offense conviction while receiving federal aid. Total aid cannot exceed the school’s cost of attendance, and FAFSA is required.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What are the differences between subsidized and unsubsidized Stafford loans?",{"text":117,"@type":113},"Subsidized Stafford loans are available to undergraduates based on financial need, with the federal government paying interest while enrolled at least half time and for six months afterward. Unsubsidized Stafford loans are available regardless of financial need, and interest is charged throughout the life of the loan.",{"name":119,"@type":110,"acceptedAnswer":120},"How are interest rates determined and what repayment reductions are available?",{"text":121,"@type":113},"Fixed-rate loans set new rates annually based on the 10-year Treasury note following the May auction plus set margins, while variable-rate loans adjust annually on July 1 based on the last 91-day T-bill auction in May. 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S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid. Total aid, including student loans, cannot exceed the school’s total cost of attendance (tuition and fees, room and board, transportation, personal and miscellaneous expenses) . FAFSA required. |  |\n| --- | --- | --- |\n| Stafford Loans | Types | Subsidized Stafford Loan: Available only to undergraduate students on the basis of financial need. No credit check required. The federal government covers the interest on these loans while borrowers are enrolled at least half time and for six months after they are no longer enrolled at least half time. Monthly payments are not required until six months after leaving school. |\n|  |  | Unsubsidized Stafford Loan: Available to undergraduate and graduate students regardless of financial need. No credit check required. Interest is charged throughout the life of the loan. Monthly payments are not required until six months after leaving school. |\n|  | Annual Loan Limits | Dependent undergraduates (most students under the age of 24): $5,500 as freshmen (including up to $3,500 subsidized); $6,500 as sophomores (including up to $4,500 subsidized);$7,500 as juniors and seniors (including up to $5,500 subsidized) . |\n|  |  | Independent undergraduates (students age 24 or older) and dependent students whose parents are unable to obtain PLUS Loans: $9,500 as freshmen (including up to $3,500 subsidized); $10,500 as sophomores (including up to $4,500 subsidized); $12,500 as juniorsand seniors (including up to $5,500 subsidized) . |\n|  |  | Graduate students: $20,500 (or $40,500 for certain medical training) . |\n|  | Aggregate Loan Limits | Dependent students: $31,000 . Independent undergraduates and dependent students\u003Cbr>whose parents are unable to obtain PLUS Loans: $57,500 . Graduate and professional students:$138,500 (or $224,000 for certain medical training) including undergraduate borrowing. |\n|  | Interest Rates | The interest rate for undergraduate Stafford loans, both subsidized and unsubsidized, is 4. 53% . Rates are fixed for the life of the loan. (See page 2 for how interest rates are determined. ) |\n|  |  | The interest rate for unsubsidized Stafford loans made to graduate students is 6.08% . Rates are fixed for the life of the loan. (See page 2 for how interest rates are determined. ) |\n|  | Fee | 1.062% if first disbursed on or after October 1, 2018 and before October 1, 2019; 1.059% if first disbursed on or after October 1, 2019 and before October 1, 2020. |\n|  | Eligibility Period for Subsidized Loans | New borrowers are only eligible to receive subsidized Stafford loans for a time period that is 150% of the published length of their program. After that, borrowers are not eligible to receive additional subsidized loans and may become responsible for interest that accrues on their existing loans. Borrowers with any federal loans from before July 1, 2013 are not affected. For more information on the maximum eligibility period, please see [studentaid.ed.gov](studentaid.ed.gov). |\n| PLUS Loans | Types | Parent PLUS: Loans to parents of dependent students to help pay for undergraduate education. Parents are responsible for all principal and interest. |\n|  |  | Grad PLUS: Additional loans to graduate and professional degree students to help cover education expenses. |\n|  | Additional Eligibility Requirements | Available regardless of financial need to parents of dependent students (Parent PLUS) and to graduate and professional students (Grad PLUS) . Credit check required. The credit requirement can ","cbCaiqoIOwabwcjU","https://ap.wps.com/l/cbCaiqoIOwabwcjU","pdf",64214,"English","# Basic Eligibility Requirements\n# Stafford Loans\n## Subsidized Stafford Loan\n## Unsubsidized Stafford Loan\n## Annual Loan Limits and Aggregate Loan Limits\n## Interest Rates and Fee\n# PLUS Loans\n## Parent PLUS and Grad PLUS\n## Additional Eligibility Requirements\n## Loan Limit, Interest Rate, and Fee\n# How Interest Rates are Determined\n## Fixed-Rate Loans\n## Variable-Rate Loans\n# During Repayment\n## Rate Reduction for Auto Debit\n## Deferments for Unemployment or Economic Hardship\n## Income-Driven Repayment Plans","[{\"question\":\"Who is eligible for federal student loans issued in 2019-20?\",\"answer\":\"Eligibility requires U.S. citizenship or permanent residency, at least half-time enrollment in a qualified program at a participating school, not being in default on a prior federal loan, and no drug offense conviction while receiving federal aid. Total aid cannot exceed the school’s cost of attendance, and FAFSA is required.\"},{\"question\":\"What are the differences between subsidized and unsubsidized Stafford loans?\",\"answer\":\"Subsidized Stafford loans are available to undergraduates based on financial need, with the federal government paying interest while enrolled at least half time and for six months afterward. Unsubsidized Stafford loans are available regardless of financial need, and interest is charged throughout the life of the loan.\"},{\"question\":\"How are interest rates determined and what repayment reductions are available?\",\"answer\":\"Fixed-rate loans set new rates annually based on the 10-year Treasury note following the May auction plus set margins, while variable-rate loans adjust annually on July 1 based on the last 91-day T-bill auction in May. Borrowers may receive a 0.25% interest rate reduction for signing up for auto debit, and income-driven repayment plans can cap payments as a percentage of income.\"}]","FEDERAL STUDENT LOAN AMOUNTS AND TERMS FOR LOANS ISSUED IN 2019-20 - Summary | PDF",1792058418]