Graduate	program	in	Public	Health	(including	Master's	and	Doctoral
degree	programs	in	Public	Health)
Council	on	Education	for	Public	Health
Doctor	of	Chiropractic Council	on	Chiropractic	Educa tion,	Commission
on	Accreditation
Doctoral	Degree	in	Clinical	Psychology American	Psyc hological	Association,
Committee	on	Accreditation
Master's	or	Doctoral	Degree	in	Health	Administration Commission	on	Accreditation	of	Healthcare
Management	Education
The	increased	unsubsidized	amounts	that	an	eligible	health	professions	student	may	receive	are	in	addition	to	the	regular
$20,500	Direct	Unsubsidized	Loan	annual	loan	limit	for	graduate	and	professional	students.	For	example,	a	student
enrolled	in	a	nine-month	Doctor	of	Dentistry	program	is	eligible	for	the	regular	Direct	Unsubsidized	Loan	annual	maximum
for	a	graduate	or	professional	student	($20,500),	plus	the	maximum	increased	unsubsidized	amount	of	$20,000,	for	a
total	Direct	Unsubsidized	Loan	maximum	of	$40,500	per	academic	year.
Graduate	and	professional	students	who	qualify	for	the	higher	annual	Direct	Unsubsidized	Loan	limits	are	also	eligible	for
a	higher	combined	subsidized	and	unsubsidized	aggregate	loan	limit,	as	explained	later	in	this	chapter.
Proration	of	the	Increased	Health	Professions	Annual	Loan	Limit	for	an	Academic	Year	Covering	10	or	11	Months
Tables	3A	and	3B	above	show	the	increased	unsubsidized	loan	limits	for	programs	with	an	academic	year	of	either	nine
months	or	12	months.	For	eligible	health	professions	programs	with	an	academic	year	covering	10	or	11	months,	the
annual	additional	unsubsidized	loan	limit	must	be	prorated.	If	the	academic	year	covers	10	or	11	months,	the	prorated
annual	loan	limit	is	determined	by	dividing	the	applicable	loan	limit	for	an	academic	year	covering	nine	months	by	nine,
and	then	multiplying	the	result	by	10	or	11.	For	example,	the	prorated	increased	unsubsidized	loan	limit	for	a	Doctor	of
Dentistry	program	with	an	11-month	academic	year	would	be	$24,444,	calculated	as	follows:
$20,000	÷	9	=	$2,222.22
$2,222.22	x	11	=	$24,444.42,	rounded	to	$24,444
Foreign	Schools	May	Not	Award	Increased	Unsubsidized	Loan	Amounts
Foreign	schools	that	participate	in	the	Direct	Loan	Program	may	not	award	the	increased	Direct	Unsubsidized	Loan
amounts	to	health	professions	students.
Aggregate	Loan	Limit	Overview
As	explained	earlier	in	this	chapter,	there	are	limits	on	the	maximum	Direct	Subsidized	Loan	and	Direct	Unsubsidized	Loan
amounts	that	a	student	may	receive	each	academic	year	(annual	loan	limits).	There	are	also	limits	on	a	student9s
maximum	outstanding	total	Direct	Subsidized	Loan	and	Direct	Unsubsidized	Loan	debt.	These	are	called	aggregate	loan
limits.	A	borrower	who	has	reached	the	aggregate	borrowing	limit	for	Direct	Subsidized	Loans	and	Direct	Unsubsidized
Loans	may	not	receive	additional	loans.	Once	the	loans	are	repaid,	in	full	or	in	part,	the	borrower	may	apply	for	additional
loans.
To	ensure	that	a	student	doesn9t	exceed	the	aggregate	loan	limits,	the	student9s	FAFSA	form	data	is	matched	with	NSLDS.
If	the	student	has	exceeded	or	is	approaching	the	aggregate	loan	limits,	this	will	be	noted	in	the	ISIR.	If	a	student
transfers	to	your	school,	you	must	inform	NSLDS	so	that	it	can	begin	the	Transfer	Student	Monitoring	process.
Aggregate	Loan	Limits	for	Direct	Subsidized	Loans	and	Direct	Unsubsidized	Loans
The	aggregate	loan	limits	for	Direct	Subsidized	Loans	and	Direct	Unsubsidized	Loans	are	shown	in	Table	4	below.
{"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 38, "page_label": "39", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.400037"}