dwb2023/document-loader-jul2025 huggingface dataset:
Regardless	of	the	counseling	methods	your	school	uses,	it	must	document	that	the	student	received	entrance	and	exit
counseling,	and	it	must	ensure	that	an	individual	with	expertise	in	the	Title	IV	programs	is	reasonably	available	shortly
after	the	counseling	to	answer	the	student9s	questions.
Counseling	for	Correspondence	and	Study	Abroad	Students
If	a	first-time	student	borrower	has	enrolled	in	a	study-abroad	program	(approved	by	a	U.S.	school	for	credit)	or	a
correspondence	or	distance	learning	program,	the	school	must	document	that	the	student	has	completed	online	entrance
counseling	that	meets	the	regulatory	Direct	Loan	entrance	counseling	requirements	or	provide	written	entrance
counseling	information	by	mail	or	email	before	making	the	first	disbursement	of	a	Direct	Loan	to	the	student.
In	the	case	of	exit	counseling	for	correspondence	programs	or	study	abroad	programs,	the	school	may	mail	or	email	the
borrower	written	counseling	materials	within	30	days	after	the	borrower	completes	the	program,	with	a	request	that	they
provide	the	contact	and	personal	information	that	would	ordinarily	have	been	collected	through	the	counseling	process.
Providing	Additional	Information
Your	school	can	take	additional	steps	to	counsel	students,	such	as	assisting	them	with	developing	a	budget,	estimating
need	for	loans,	and	planning	for	repayment.	You	can	also	reinforce	messages	to	borrowers.	For	example,	with	each
disbursement	you	can	remind	students	about	the	importance	of	maintaining	satisfactory	academic	progress	(SAP;	see
Volume	1,	Chapter	1	for	details	on	SAP	requirements),	planning	for	future	employment,	and	staying	in	touch	with	the	loan
servicer.	Sample	measures	for	loan	counseling	are	given	in	the	<Sample	Default	Prevention	Plan=	that	can	be	found	in	the
regulations	cited	below.
PLUS	Loan	Credit	Counseling
Special	loan	counseling	is	required	for	any	student	or	parent	Direct	PLUS	Loan	applicant	who	has	been	determined	to
have	an	adverse	credit	history,	but	who	qualifies	for	a	Direct	PLUS	Loan	either	by	getting	a	loan	endorser	or	by
documenting	to	the	satisfaction	of	the	Department	that	there	are	extenuating	circumstances	related	to	the	adverse
credit.	While	the	special	PLUS	Loan	Credit	Counseling	is	mandatory	only	for	these	borrowers,	any	PLUS	borrower	can
voluntarily	complete	this	counseling.	See	Chapter	1	of	this	volume	for	more	information	about	adverse	credit.
Note	that	the	special	counseling	described	above	is	separate	from	the	entrance	counseling	that	all	first-time	graduate	and
professional	student	Direct	PLUS	Loan	borrowers	must	complete,	as	described	earlier	in	this	chapter.
Annual	Student	Loan	Acknowledgement
The	Department	offers	a	tool	on	the	StudentAid.gov	website	called	the	Annual	Student	Loan	Acknowledgement.	The
Alternative	Approach	for	Entrance	Counseling
34	CFR	685.304(a)(8)
Sample	Default	Prevention	Plan
https://www.ecfr.gov/current/title-34/subtitle-B/chapter-VI/part-668/subpart-N/appendix-Appendix	A	to	Subpart	N
of	Part	668">34	CFR	668	Subpart	N,	Appendix	A
Annual	Student	Loan	Acknowledgement	allows	student	and	parent	borrowers	to	view	how	much	they	currently	owe	in
federal	student	loans	and	acknowledge	that	they	have	seen	this	amount.	Although	it	is	not	required,	the	Department
continues	to	encourage	borrowers	to	complete	an	Annual	Student	Loan	Acknowledgement	each	year	they	accept	a	new
Direct	Loan	to	help	them	understand	their	loans	and	how	those	loans	will	affect	their	financial	future.
Schools	will	receive	information	through	the	COD	System	about	a	borrower9s	optional	completion	of	the	Annual	Student
Loan	Acknowledgment	process.	However,	the	COD	System	will	not	reject	disbursement	records	submitted	for	a	borrower
who	has	not	completed	the	Annual	Student	Loan	Acknowledgment.
hour,	or	non-SE9W	nonstandard	term	program	is	offered	in	modules,	the	minimum	loan	period	is	still	the	lesser	of	the
academic	year	or	the	program	length	(or	remaining	portion	of	the	program).
For	Title	IV	aid	purposes,	students	are	allowed	to	skip	one	or	more	modules.	However,	if	a	loan	period	includes	modules
that	the	student	does	not	attend,	the	COA	for	the	loan	period	may	not	include	costs	associated	with	those	modules.
Minimum	Loan	Period:	Standard	Term	Combined	With	an	Intersession
As	we	explain	under	<Intersessions=	in	Volume	3,	Chapter	1,	in	limited	cases	for	academic	programs	offered	in	standard
terms,	a	short	nonstandard	term	(often	called	an	<intersession=)	may	be	combined	with	a	preceding	or	following	standard
term	and	considered	to	be	a	single	standard	term.	In	such	cases,	the	minimum	loan	period	for	a	Direct	Loan	is	different
depending	on	whether	a	student	attends	the	intersession.	If	a	student	who	attends	the	intersession	requests	a	loan	for	the
combined	term,	the	loan	period	includes	the	standard	term	plus	the	intersession.	However,	if	the	student	attends	only	the
standard	term	and	is	not	enrolled	in	the	intersession	that	is	attached	to	that	term,	the	loan	period	includes	only	the
standard	term.
Maximum	Loan	Periods
The	maximum	period	for	which	you	may	originate	a	Direct	Loan	is	generally	an	academic	year.	However,	if	your	school
applies	the	annual	loan	limit	for	Direct	Subsidized	Loans	and	Direct	Unsubsidized	Loans	to	a	period	of	time	greater	than
an	academic	year,	you	may	originate	a	Direct	Loan	for	that	longer	period	of	time.	For	example,	a	school	might	offer	an
1100	clock-hour	program	and	define	the	academic	year	as	900	clock	hours	but	could	choose	to	allow	students	to	receive
just	one	annual	loan	limit	for	the	entire	1100-hour	program.	In	that	case,	the	loan	period	would	correspond	to	the	length
of	the	program,	a	period	of	time	that	is	longer	than	the	academic	year.
Direct	Loan	Disbursement	Requirements
For	general	guidance	on	the	timing	of	disbursements	made	under	the	
Title	IV	programs,	see	Volume	3,	Chapter	1.	For
guidance	on	reporting	Title	IV	program	disbursements	through	the	COD	System	and	the	rules	for	making	early
disbursements,	late	disbursements,	and	retroactive	payments,	see	Volume	4,	Chapter	2.	In	this	section	we	discuss	certain
other	disbursement	requirements	that	are	specific	to	the	Direct	Loan	Program.
Note:	See	the	guidance	at	the	end	of	this	chapter	for	certain	exceptions	to	the	normal	Direct	Loan	disbursement
requirements	that	apply	when	periods	of	clinical	work	are	included	in	a	standard	term.
Requirement	for	Substantially	Equal	Disbursements
Direct	Loans	must	be	disbursed	in	substantially	equal	installments,	regardless	of	any	difference	in	costs	for	different
payment	periods	that	are	within	the	same	loan	period,	and	no	Direct	Loan	disbursement	may	exceed	one-half	of	the	loan
Maximum	Loan	Period
34	CFR	685.301(a)(10)(iv)
Determining	Direct	Loan	Disbursement	Dates	and	Amou nts
34	CFR	685.303(d)
amount.
Direct	Loan	Disbursements	When	the	Loan	Period	is	a	Single	Payment	Period
As	explained	in	
Volume	3,	Chapter	1,	all	Title	IV	program	funds	(including	Direct	Loan	funds)	except	for	Federal	Work-
Study	payments	must	be	disbursed	on	a	payment	period	basis.	Except	in	certain	cases	for	Direct	Loans	made	to	cover	the
costs	of	a	study	abroad	program	(see	below),	if	the	loan	period	for	a	Direct	Loan	covers	more	than	one	payment	period,	a
school	must	make	at	least	one	Direct	Loan	disbursement	in	each	payment	period.
If	the	loan	period	for	a	Direct	Loan	is	a	single	payment	period,	a	school	must	generally	make	at	least	two	disbursements
of	a	Direct	Loan	(see	below	for	two	exceptions	to	this	requirement).	The	following	requirements	apply	for	the	timing	of	the
second	disbursement:
For	credit-hour	programs	offered	in	standard	terms	or	offered	in	nonstandard	terms	that	are	substantially	equal	in
length	with	no	term	less	than	nine	weeks	of	instructional	time	in	length,	the	second	disbursement	may	not	be	made
until	the	calendar	midpoint	between	the	first	and	last	scheduled	days	of	class	in	the	loan	period.
For	all	other	programs,	including	clock-hour	and	non-term	credit-hour	programs,	and	nonstandard	term	programs
with	terms	that	are	not	substantially	equal	or	with	terms	that	are	substantially	equal	and	less	than	nine	weeks	of
instructional	time	in	length,	the	second	disbursement	may	not	be	made	until	the	student	successfully	completes	half
of	the	weeks	of	instructional	time	in	the	payment	period,	and	half	of	the	clock	or	credit	hours	in	the	payment	period.
Exceptions	to	the	Multiple	Disbursement	Requirement	When	the	Loan	Period	is	a	Single	Payment	Period
If	the	loan	period	is	not	more	than	one	semester,	one	trimester,	one	quarter	or,	for	non-term-based	schools	or	schools
with	nonstandard	terms,	four	months,	a	school	with	a	cohort	default	rate	of	less	than	15%	for	each	of	the	three	most
recent	fiscal	years	for	which	data	are	available	may	disburse	a	Direct	Loan	in	a	single	installment.
In	addition,	if	the	loan	period	is	a	single	payment	period	and	more	than	half	of	the	payment	period	has	elapsed	before	the
school	has	made	a	disbursement,	the	school	may	include	in	the	disbursement	loan	proceeds	for	the	entire	payment
period.
Exception	to	the	Multiple	Disbursement	Requirement	for	Study	Abroad	Programs
Substantially	Equal	Disbursements
34	CFR	685.303(d)(5)
Regulatory	Citations
Loan	period	is	more	than	one	payment	period:	34	CFR	685.303(d)(3)(i)
Loan	period	is	one	payment	period:	34	CFR	685.303(d)(3)(ii)
Exception	based	on	cohort	default	rate:	34	CFR	685.303(d)(6)(i)(A)
More	than	half	of	payment	period	has	elapsed:	34	CFR	685.303(d)(4)(ii)
Regardless	of	the	length	of	the	loan	period,	you	may	disburse	a	Direct	Loan	in	a	single	installment	if	the	loan	is	to	cover	a
student's	COA	in	a	study	abroad	program	and	your	school9s	calculated	cohort	default	rate	is	less	than	5%	for	the	most
recent	fiscal	year	for	which	data	are	available.
Direct	Loan	Disbursements	for	Completed	Payment	Periods
The	Direct	Loan	Program	regulations	allow	a	school	to	include	in	a	single	disbursement	the	disbursements	for	any
payment	periods	that	have	ended.	However,	the	COD	System	(except	for	schools	exempted	because	of	low	default	rates)
requires	schools	to	enter	at	least	two	anticipated	disbursement	dates.	Therefore,	when	creating	a	loan	origination	record
for	a	Direct	Loan	when	you	intend	to	include	in	a	disbursement	loan	proceeds	for	any	payment	periods	that	have	been
completed,	you	should	enter	the	actual	date	you	anticipate	making	the	disbursement	as	the	anticipated	date	for	all
disbursements	that	would	be	included.	For	example,	consider	a	school	attempting	to	submit	an	origination	when	the	data
is	as	follows:
Loan	period:	09/01	-	05/30	(fall	through	spring)
Minimum	number	of	disbursements	normally	required:	2
Payment	period	1:	09/01	-	12/20
Payment	period	2:	01/06	-	05/30
Date	school	creates	origination	record:	01/09
If	you	anticipate	disbursing	the	loan	proceeds	for	both	payment	periods	on	January	16,	you	should	enter	January	16	as	the
date	for	both	the	first	and	second	disbursements	when	you	create	the	origination	record.
Direct	Loan	Disbursements	Made	After	the	Date	of	the	Borrower9s	Death
If	a	school	learns	that	a	student	or	parent	Direct	Loan	borrower	has	died	before	one	or	more	disbursements	of	a	loan	have
been	made,	the	school	must	cancel	all	pending	disbursements.	Direct	Loan	funds	cannot	be	disbursed	when	there	is	no
possibility	of	repayment.	In	addition,	if	a	school	is	not	informed	of	a	student	or	parent	borrower9s	death	until	after	one	or
more	loan	disbursements	have	been	made,	the	school	must	return	to	the	Department	the	full	amount	of	all	loan	funds
that	were	credited	to	the	student9s	school	account	after	the	date	of	the	borrower9s	death	(if	the	post-death	disbursement
created	a	credit	balance	that	was	paid	directly	to	the	student	or	parent,	the	school	is	not	responsible	for	returning	the
credit	balance	amount).
Disbursements	after	the	date	of	the	borrower9s	death	are	most	likely	to	occur	when	a	parent	Direct	PLUS	Loan	borrower
dies.	If	an	enrolled	student	dies,	the	school	will	generally	learn	of	the	death	in	a	timely	manner	and	can	cancel	any
pending	loan	disbursements.	However,	if	a	parent	Direct	PLUS	Loan	borrower	dies,	the	student	or	other	family	members
Study	Abroad	Program	Exception
34	CFR	685.303(d)(6)(i)(B)
Direct	Loan	Disbursement	After	One	or	More	Payment	 Periods	Have	Elapsed
34	CFR	685.303(d)(4)(i)
If	a	loan	period	includes	more	than	one	standard	or	SE9W	nonstandard	term,	the	second	or	subsequent	disbursement
of	a	Direct	Loan	disbursement	normally	can	be	made	up	to	10	days	before	the	first	day	of	classes	of	the	second	or
subsequent	term.	However,	if	a	second	or	subsequent	term	in	a	loan	period	includes	clinical	work	that	a	student	has
not	yet	started	when	the	term	begins	(because	the	clinical	work	associated	with	that	term	does	not	start	until	some
point	after	the	beginning	date	of	the	term),	the	second	or	subsequent	loan	disbursement	can	be	made	no	earlier
than	10	days	before	the	beginning	of	the	clinical	work.	(Note:	The	scenario	described	here	assumes	that	the	term
includes	only	clinical	work.	If,	in	addition	to	the	clinical	work	that	starts	later,	the	term	also	includes	regular
coursework	that	starts	on	the	beginning	date	of	the	term,	the	normal	early	disbursement	rules	apply	and	the	second
or	subsequent	disbursement	can	be	made	up	to	10	days	before	the	first	day	of	classes	of	the	term.)
Chapter	4
Annual	and	Aggregate	Loan	Limits
Annual	Loan	Limit	Overview
Direct	Subsidized	Loans	and	Direct	Unsubsidized	Loans	have	annual	loan	limits	that	vary	based	on	the	student9s	grade
level	and	(for	Direct	Unsubsidized	Loans)	dependency	status.	The	annual	loan	limits	are	the	maximum	amounts	that	a
student	may	receive	for	an	academic	year.	The	actual	loan	amount	that	a	student	is	eligible	to	receive	may	be	less	than
the	annual	loan	limit.	(There	are	also	aggregate	loan	limits	for	Direct	Subsidized	Loans	and	Direct	Unsubsidized	Loans,
discussed	later	in	this	chapter.)
There	are	higher	Direct	Unsubsidized	Loan	annual	loan	limits	for	students	enrolled	in	certain	health	professions	programs,
and	special	loan	limits	for	certain	students	who	are	not	enrolled	in	a	program	that	leads	to	a	degree	or	certificate	awarded
by	the	school	they	are	attending.	Also,	the	annual	loan	limits	for	undergraduate	students	must	be	prorated	(reduced)	in
some	cases.
Depending	on	the	academic	calendar	of	the	program,	a	student	who	has	reached	the	annual	loan	limit	cannot	receive
another	Direct	Subsidized	Loan	or	Direct	Unsubsidized	Loan	until	they	either	begin	another	academic	year,	or,	in	some
cases,	progress	within	an	academic	year	to	a	grade	level	with	a	higher	annual	loan	limit.
Annual	Loan	Limits:	Basic	Principles
For	undergraduate	students,	there	is	a	combined	annual	loan	limit	for	Direct	Subsidized	Loans	and	Direct
Unsubsidized	Loans,	of	which	not	more	than	a	specified	amount	may	be	comprised	of	Direct	Subsidized	Loans.
For	graduate	or	professional	students,	the	annual	loan	limit	is	only	for	Direct	Unsubsidized	Loans.	Graduate	or
professional	students	are	not	eligible	to	receive	Direct	Subsidized	Loans.
An	undergraduate	student	who	is	ineligible	for	Direct	Subsidized	Loans	may	receive	up	to	the	full	combined
subsidized	and	unsubsidized	annual	loan	limit	in	Direct	Unsubsidized	Loans.
The	Direct	Subsidized	Loan	annual	loan	limits	are	the	same	for	both	dependent	and	independent	undergraduates.
Dependent	students	have	lower	combined	subsidized	and	unsubsidized	annual	loan	limits	than	independent
students.	However,	if	a	dependent	student9s	parent(s)	cannot	borrow	a	Direct	PLUS	Loan,	the	student	becomes
eligible	for	the	higher	combined	subsidized	and	unsubsidized	annual	loan	limits	that	are	otherwise	available	only	to
independent	students,	allowing	the	dependent	student	to	receive	additional	Direct	Unsubsidized	Loan	funds	(but	this
does	not	change	the	student9s	dependency	status).
The	annual	loan	limits	apply	to	the	academic	year	(that	is,	the	annual	loan	limit	is	the	maximum	loan	amount	that	a
student	may	receive	for	one	academic	year).
The	student9s	maximum	annual	loan	limit	increases	as	the	student	progresses	to	higher	grade	levels.
For	undergraduate	students,	the	loan	limit	must	be	prorated	if	the	student	is	enrolled	in	a	program	(or	in	the
remaining	portion	of	a	program)	that	is	less	than	an	academic	year	in	length.
Annual	Loan	Limits	for	Dependent	Undergraduates
Direct	Loan	Annual	Loan	Limits
34	CFR	685.203
First	Year $9,500 $3,500
Second	Year $10,500 $4,500
Third	Year	and	Beyond $12,500 $5,500
Criteria	for	Dependent	Students	to	Receive	Additional	Direct	Unsubsidized	Loan	Funds
Dependent	students	whose	parents	are	unable	to	borrow	Direct	PLUS	Loans	due	to	adverse	credit	or	other	exceptional
circumstances	may	receive	additional	Direct	Unsubsidized	Loan	funds	up	to	the	same	amount	that	is	available	to
independent	undergraduate	students.	Because	Direct	PLUS	Loans	can	be	made	for	up	to	the	full	COA	minus	other	financial
assistance	received,	the	additional	Direct	Unsubsidized	Loan	amount	may	not	be	sufficient	to	substitute	entirely	for	the
amount	a	parent	could	receive	under	the	Direct	PLUS	Loan	program.	Therefore,	you	should	determine	whether	the
parents	may	be	able	to	borrow	a	Direct	PLUS	Loan	by	obtaining	an	endorser	who	does	not	have	an	adverse	credit	history
before	originating	additional	unsubsidized	loan	amounts	for	the	dependent	student.	Before	a	dependent	student	can
receive	the	additional	Direct	Unsubsidized	Loan	amount,	you	must	document	the	basis	of	the	student9s	eligibility.	Some
basic	guidelines	for	making	this	determination	are	discussed	below.	However,	keep	in	mind	that	none	of	the	following,	by
themselves,	are	sufficient	to	make	a	dependent	student	eligible	for	additional	Direct	Unsubsidized	Loan	funds:
The	parent9s	unwillingness	to	borrow	a	Direct	PLUS	Loan	(even	though	the	parent	would	otherwise	be	eligible	to
borrow);
The	school9s	decision	not	to	participate	in	the	Direct	PLUS	Loan	program;	or
The	financial	aid	administrator9s	belief	that	the	parent	should	not	borrow	a	Direct	PLUS	Loan.
General	Guidelines	for	Determining	That	a	Dependent	Student	May	Receive	Additional	Unsubsidized	Funds
The	sections	that	follow	provide	general	guidelines	for	making	a	determination	that	a	dependent	student	is	eligible	to
receive	additional	Direct	Unsubsidized	Loan	funds	under	various	circumstances.
Only	One	Parent	Has	Applied	for	a	Direct	PLUS	Loan	and	Been	Denied
If	only	one	of	a	student9s	parents	has	applied	for	a	Direct	PLUS	Loan	and	been	denied	based	on	adverse	credit,	you	may
award	additional	Direct	Unsubsidized	Loan	funds	on	that	basis,	without	first	determining	whether	there	is	another	parent
who	could	take	out	a	Direct	PLUS	Loan.	However,	if	both	parents	apply	independently	and	one	is	approved	and	the	other
denied,	the	dependent	student	is	not	eligible	for	the	additional	unsubsidized	loan	amounts.
A	Previously	Approved	Parent	Later	Requests	Additional	Direct	PLUS	Loan	Funds	and	Is	Denied
The	dependent	student	may	become	eligible	at	any	time	during	an	academic	year	if	a	parent	has	first	been	approved	and
then	later	denied	a	Direct	PLUS	Loan.	For	example,	if	a	parent	was	approved	for	and	received	the	full	amount	of	a	Direct
PLUS	Loan	for	a	fall-spring	loan	period,	but	the	parent	is	subsequently	determined	ineligible	due	to	having	an	adverse
credit	history	when	they	request	additional	Direct	PLUS	Loan	funds	later	during	the	spring	semester,	you	may	award
Increased	Direct	Unsubsidized	Loan	Eligibility	for	 Independent	Undergraduates	and	Certain
Dependent	Undergraduates
34	CFR	685.203(c)
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
Increased	Unsubsidized	Annual	Loan	Limits	for	Certain	Health	Professions	Students
There	are	higher	annual	Direct	Unsubsidized	Loan	limits	for	some	graduate	and	professional	health	professions	students.
Schools	may	award	the	increased	unsubsidized	amounts	to	students	who	are	enrolled	at	least	half	time	in	certain	health
professions	programs.	The	programs	must	be	accredited	by	specific	accrediting	agencies.
The	programs	that	are	eligible	for	the	increased	Direct	Unsubsidized	Loan	amounts,	the	applicable	increased	unsubsidized
loan	amounts,	and	the	approved	accrediting	agencies	for	these	programs	are	shown	in	Tables	3A	and	3B	below.	As	shown
in	the	tables,	the	increased	unsubsidized	loan	annual	limits	vary	by	program	and	academic	year	length.
Volume	8,	Chapter	4,	Table	3A:	Health	Professions	Programs	Eligible	for	an	Additional	$20,000	or	$26,667
Additional	$20,000	in	Unsubsidized	Loans	for	an	Academic	Year	Covering	9	months
Additional	$26,667	in	Unsubsidized	Loans	for	an	Academic	Year	Covering	12	months
Program Approved	Accrediting	Agency
Doctor	of	Allopathic	Medicine Liaison	Committee	on	M edical	Education
Doctor	of	Osteopathic	Medicine American	Osteopathic	 Association,	Bureau	of	Professional	Education
Doctor	of	Dentistry American	Dental	Association,	Com mission	on	Dental	Accreditation
Doctor	of	Veterinary	Medicine American	Veterinary	Me dical	Association,	Council	on	Education
Doctor	of	Optometry American	Optometric	Association, 	Council	on	Optometric	Education
Doctor	of	Podiatric	Medicine American	Podiatric	Medi cal	Association,	Council	on	Podiatric	Medical
Education
Doctor	of	Naturopathic	Medicine,	Doctor	of
Naturopathy
Council	on	Naturopathic	Medical	Education
Volume	8,	Chapter	4,	Table	3B:	Health	Professions	Programs	Eligible	for	an	Additional	$12,500	or	$16,667
Additional	$12,500	in	Unsubsidized	Loans	for	an	Academic	Year	Covering	9	months
Additional	$16,667	in	Unsubsidized	Loans	for	an	Academic	Year	Covering	12	months
Program Approved	Accrediting	Agency
Doctor	of	Pharmacy Accreditation	Council	for	Pharmac y	Education
However,	the	student	may	not	receive	the	full	$12,500,	since	that	amount,	when	added	to	the	$10,250	the
student	received	as	a	graduate	student	in	the	fall,	would	exceed	the	$20,500	graduate	or	professional	student
annual	loan	limit.	Therefore,	the	student9s	maximum	loan	eligibility	for	the	spring	semester	(if	supported	by	COA
and	OFA)	is	$10,250,	not	more	than	$5,500	of	which	may	be	subsidized.