Federal Student Loan Cap Calculator (2026)
Who is borrowing?
Graduate student ($20,500/yr, $100,000 pool)
Professional student ($50,000/yr, $200,000 pool)
Parent (Parent PLUS, $20,000/yr, $65,000 per student)
Undergraduate (own loans — limits unchanged)
Years remaining in the program
1
2
3
4
5
6
Cost of attendance per year ($)
Grants, scholarships & other aid per year ($)
Outstanding Direct Unsubsidized principal from prior grad/professional study ($)
I am (or have been) a professional student too
All federal student loans EVER borrowed for your own education ($, incl. repaid)
Parent PLUS ever borrowed for THIS student, all parents combined ($)
Dependency status
Dependent undergraduate
Independent undergraduate
Year of study
First year
Second year
Third year and beyond
I was enrolled in this program on June 30, 2026 AND a Direct Loan was made for it before July 1, 2026
Free
Federal Student Loan Cap Calculator
by Tools Berry