transfer	student	from	a	certificate	program	and	accepts	900	clock	hours	that	the	student	earned	toward	its	1,500-hour
program,	the	student	could	be	eligible	for	the	second-year	loan	limits	if	other	students	in	the	program	are	eligible	for
second-year	loan	limits	after	completing	the	first	900	hours	of	the	program.
Annual	Loan	Limits	for	Preparatory	Coursework	and	Teacher	Certification	Programs
In	Chapter	1	of	this	volume	we	discussed	instances	in	which	a	student	may	receive	Direct	Loans	for	coursework	that	is	not
part	of	an	eligible	program	leading	to	a	degree	or	certificate	awarded	by	the	school	(preparatory	coursework	and	teacher
certification	programs).	The	annual	loan	limits	for	students	enrolled	in	preparatory	coursework	or	teacher	certification
programs	are	shown	in	Tables	2A	and	2B	below.
Volume	8,	Chapter	4,	Table	2A:	Annual	Loan	Limits	for	Preparatory	Coursework	(Maximum	12	Consecutive	Months)
Preparatory	coursework	required	for	enrollment	in	an	undergraduate	program:
Total	(Subsidized	and
Unsubsidized)
Maximum
Subsidized
Dependent	undergraduates	(excluding	dependent	students	whose
parents	can9t	get	Direct	PLUS	Loans)
$	2,625 $	2,625
Independent	undergraduates	(and	dependent	undergraduates	whose
parents	can9t	get	Direct	PLUS	Loans)
$	8,625 $	2,625
Preparatory	coursework	required	for	enrollment	in	a	graduate	or	professional	program:
Total	(Subsidized	and
Unsubsidized)
Maximum
Subsidized
Dependent	undergraduates	(excluding	dependent	students	whose
parents	can9t	get	Direct	PLUS	Loans)
$	5,500 $	5,500
Independent	undergraduates	(and	dependent	undergraduates	whose
parents	can9t	get	Direct	PLUS	Loans)
$12,500 $	5,500
Volume	8,	Chapter	4,	Table	2B:	Annual	Loan	Limits	for	Teacher	Certification	Coursework
Total	(Subsidized	and
Unsubsidized)
Maximum
Subsidized
Dependent	undergraduates	(excluding	dependent	students	whose
parents	can9t	get	Direct	PLUS	Loans)
$	5,500 $	5,500
Independent	undergraduates	(and	dependent	undergraduates	whose
parents	can9t	get	Direct	PLUS	Loans)
$12,500 $	5,500
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