teacher	certification	and	preparatory	coursework	and	the	applicable	annual	loan	limits.)
Higher	Aggregate	Loan	Limit	for	Certain	Health	Professions	Students
As	explained	earlier	in	this	chapter,	graduate	and	professional	students	who	are	enrolled	in	certain	health	professions
programs	are	eligible	for	higher	annual	Direct	Unsubsidized	Loan	limits.	These	students	also	have	a	higher	combined
subsidized	and	unsubsidized	aggregate	loan	limit.
The	combined	subsidized	and	unsubsidized	aggregate	loan	limit	for	graduate	and	professional	health	professions	students
who	are	eligible	to	receive	the	increased	annual	unsubsidized	amounts	is	$224,000.	Not	more	than	$65,500	of	this
amount	may	be	from	subsidized	loans	(see	the	notes	following	Table	4	above	regarding	the	$65,500	subsidized	aggregate
loan	limit	for	graduate	and	professional	students).
If	a	student	who	received	increased	Direct	Unsubsidized	Loan	amounts	for	a	qualifying	health	profession	program	later
enrolls	in	a	non-health	professions	program,	the	student	is	no	longer	eligible	for	the	increased	Direct	Unsubsidized	Loan
limits.	However,	the	additional	loan	amounts	received	for	the	health	professions	program	are	not	counted	toward	the
normal	aggregate	loan	limit	for	that	student.
Checking	Remaining	Eligibility	Under	the	Aggregate	Loan	Limits
Before	originating	a	Direct	Subsidized	Loan	or	Direct	Unsubsidized	Loan,	it9s	important	to	make	sure	the	student	still	has
remaining	eligibility	under	the	aggregate	loan	limits.	As	long	as	there	is	no	conflicting	information,	you	may	rely	on	the
financial	aid	history	(provided	on	the	ISIR	as	well	as	on	the	NSLDS	Professional	Access	website)	and	the	Transfer	Student
Monitoring	process	(for	transfer	students	only)	to	tell	you	if	a	student	is	about	to	exceed	the	applicable	aggregate	loan
limit.	(See	
Volume	1,	Chapter	3	for	more	detail	on	NSLDS	financial	aid	history,	which	may	also	affect	eligibility	for	other
Title	IV	programs.)
The	Loan	History	in	NSLDS	for	a	borrower	who	has	received	Title	IV	loans	shows	Aggregate	Loan	Information	for	the
borrower9s	outstanding	subsidized	and	unsubsidized	loans.	The	Subsidized	and	Unsubsidized	Aggregate	Outstanding
Principal	Balance	amounts	shown	for	a	borrower	in	NSLDS	do	not	include	unpaid	accrued	interest,	capitalized	interest
(unpaid	interest	that	has	been	added	to	the	principal	balance	of	the	loan),	or	other	charges,	as	these	amounts	are	not
counted	against	the	aggregate	loan	limits.
For	each	individual	loan	that	a	borrower	has	received,	NSLDS	shows	both	the	Outstanding	Principal	Balance	(OPB)	and	the
Aggregate	Outstanding	Principal	Balance	(Agg.	OPB).	The	OPB	is	what	the	borrower	owes,	which	may	include	capitalized
interest	and	other	charges.	The	Agg.	OPB	is	the	portion	of	the	OPB	that	counts	against	the	aggregate	loan	limits	for
subsidized	and	unsubsidized	loans.
For	instance,	suppose	a	student	has	a	Direct	Unsubsidized	Loan	disbursed	in	the	amount	of	$5,000.	Over	time,	$200	in
interest	accrues	and	is	capitalized.	Assuming	that	the	borrower	has	made	no	payments	on	the	loan,	the	OPB	on	the	loan
will	be	$5,200	(this	is	the	amount	the	borrower	owes),	and	the	Agg.	OPB	will	be	$5,000	(this	is	the	amount	that	is	counted
against	the	aggregate	loan	limit).	If	you	are	looking	at	information	in	NSLDS	for	individual	loans,	it	is	the	Agg.	OPB	that
you	should	use	to	determine	the	student9s	remaining	loan	eligibility	under	the	applicable	aggregate	loan	limit.
The	Subsidized	and	Unsubsidized	Aggregate	Outstanding	Principal	Balance	amounts	displayed	in	NSLDS	for	a	borrower
also	include	the	outstanding	portion	of	consolidation	loans	(both	Direct	Consolidation	Loans	and	Federal	Consolidation
Loans	made	under	the	FFEL	program)	attributable	to	Direct	Subsidized	Loans,	Direct	Unsubsidized	Loans,	Subsidized
Federal	Stafford	Loans,	and	Unsubsidized	Federal	Stafford	Loans	that	were	repaid	by	the	consolidation	loan.
Unallocated	Consolidation	Loan	Amounts
NSLDS	may	also	show	a	<Consolidation	Loans,	Unallocated=	amount	that	is	not	counted	against	a	borrower9s	aggregate
loan	limits.	The	<Consolidation	Loans,	Unallocated=	amount	represents	the	portion	of	a	consolidation	loan	that	cannot	be
attributed	to	other	loans	in	the	borrower9s	loan	history.	For	example,	it	may	represent	capitalized	interest	or	non-
Title	IV
loans	that	were	consolidated.	You	are	not	responsible	for	determining	the	origin	of	any	unallocated	consolidation	loan
amounts.
Treatment	of	Consolidated	Perkins	Loans	and	PLUS	Loans
A	consolidated	Perkins	Loan	or	PLUS	loan	becomes	part	of	the	unsubsidized	portion	of	a	consolidation	loan,	but	it	is	not
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