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Covers Basic Eligibility, Stafford (subsidized and unsubsidized) and PLUS (Parent PLUS and Grad PLUS) types, including annual and aggregate limits and fixed interest rates. Includes how interest rates are determined (fixed vs variable), plus repayment features such as auto-debit rate reduction, deferments, income-driven plans, and loan forgiveness options.",{"@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-2021-22/586670/",{"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-2021-22/586670.png","ImageObject",300,407,{"name":92,"@type":93},"Angel","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-29","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},"What are the basic eligibility requirements for federal student loans in this chart?","Question",{"text":112,"@type":113},"Applicants must be U.S. citizens or permanent residents, enrolled at least half time in a qualified program, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal aid. Total aid including loans cannot exceed the school’s cost of attendance, and FAFSA is required.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How do subsidized and unsubsidized Stafford loans differ?",{"text":117,"@type":113},"Subsidized Stafford Loans are available to undergraduates based on financial need and the federal government covers interest while enrolled at least half time and for six months after. Unsubsidized Stafford Loans are available to undergraduates and graduate students regardless of need, with interest charged throughout the loan’s life; monthly payments start six months after leaving school.",{"name":119,"@type":110,"acceptedAnswer":120},"What repayment options can reduce payments or provide forgiveness?",{"text":121,"@type":113},"Borrowers may receive a 0.25% interest rate reduction for signing up for auto debit. Deferments for up to three years are available, while interest may continue to accrue for certain loan types. Income-driven repayment plans cap payments based on income and may allow discharge after 20 or 25 years. Public Service Loan Forgiveness can apply after 10 years of qualifying payments for Direct Loans, and Teacher Loan Forgiveness is available for qualifying teachers on eligible Stafford loans.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},586670,1792672491,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":24,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":14,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":24,"preview_page_count":4},687207412472,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","FEDERAL STUDENT LOAN AMOUNTS AND TERMS FOR LOANS ISSUED IN 2021-22  \nThis chart summarizes the interest rates, loan limits, and other terms for federal student loans issued from July 1, 2021 through June 30, 2022.  \n\n| Basic Eligibility Requirements | U.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 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 3.73% . 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 5.28% . Rates are fixed for the life of the loan. (See page 2 for how interest rates are determined.) |\n|  | Fee | 1.057% if first disbursed on or after October 1, 2020 and before October 1, 2022. |\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 be met by a cosigner. May require a separate application in addition to the FAFSA. |\n|  | Loan Limit | Total cost of attendance minus other financial aid. No aggregate maximum. |\n|  | Interest Rate | 6.28%(See page 2 for how interest rates are determined.) |\n|  | Fee | 4.228% if first disbursed on or after October 1, 2020 and before October 1, 2022. |\n\nFederal Student Loan Amounts and Terms for Loans Issued in 2021-22 pg.2  \n\n| How Interest\u003Cbr>Rates are\u003Cbr>Determined | Fixed-Rate Loans | All Stafford and PLUS loans originated since July 1, 2006 have fixed rates. Since 2013, fixed rates for new loans are set eac","cbCaiov4pGxPwTsW","https://ap.wps.com/l/cbCaiov4pGxPwTsW","pdf",310285,"English","# Basic Eligibility Requirements\n# Stafford Loans\n## Subsidized Stafford Loan\n## Unsubsidized Stafford Loan\n## Annual and Aggregate Loan Limits\n## Interest Rates and Fee\n# PLUS Loans\n## Parent PLUS and Grad PLUS\n## Credit Requirement, Loan Limits, Interest Rates, 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\n## Income-Driven Repayment Plans\n## Public Service and Teacher Loan Forgiveness","[{\"question\":\"What are the basic eligibility requirements for federal student loans in this chart?\",\"answer\":\"Applicants must be U.S. citizens or permanent residents, enrolled at least half time in a qualified program, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal aid. Total aid including loans cannot exceed the school’s cost of attendance, and FAFSA is required.\"},{\"question\":\"How do subsidized and unsubsidized Stafford loans differ?\",\"answer\":\"Subsidized Stafford Loans are available to undergraduates based on financial need and the federal government covers interest while enrolled at least half time and for six months after. Unsubsidized Stafford Loans are available to undergraduates and graduate students regardless of need, with interest charged throughout the loan’s life; monthly payments start six months after leaving school.\"},{\"question\":\"What repayment options can reduce payments or provide forgiveness?\",\"answer\":\"Borrowers may receive a 0.25% interest rate reduction for signing up for auto debit. Deferments for up to three years are available, while interest may continue to accrue for certain loan types. Income-driven repayment plans cap payments based on income and may allow discharge after 20 or 25 years. Public Service Loan Forgiveness can apply after 10 years of qualifying payments for Direct Loans, and Teacher Loan Forgiveness is available for qualifying teachers on eligible Stafford loans.\"}]","FEDERAL STUDENT LOAN AMOUNTS AND TERMS FOR LOANS ISSUED IN 2021-22 | PDF",1792058845]