Financial Aid Services

How much can I borrow?

Maximum annual and lifetime aggregate limits chart - Subsidized and Unsubsidized Direct and FFEL Stafford Loans

College Year
Dependent Students
Independent Students and Dependent Students whose Parents are denied PLUS Loans
Freshman - Annual Limits
$5500 - No more than $3500 can be in Subsidized Loans
$9500 - No more than $3500 can be in Subsidized Loans
Sophomore - Annual Limits
$6500 - No more than $4500 can be in Subsidized Loans
$10,500 - No more than $4500 can be in Subsidized Loans
Junior/Senior - Annual Limits
$7500 - No more than $5500 can be in Subsidized Loans
$12,500 - No more than $5500 can be in Subsidized Loans
Maximum Lifetime Limits
$31,000 - No more than $23,000 can be in Subsidized Loans
$57,500 - No more than $23,000 can be in Subsidized Loans


  • You must have earned 30 college level credit hours, which count toward your current degree program, to be eligible for Sophomore level loans. If you are earning an Associates Degree you can not be considered anything higher than a sophomore at Valencia.

  • If you have been accepted into a Bachelors Degree at Valencia you will be eligible for Junior limit loans once you have completed 60 college level credit hours toward your Bachelors Degree.

  • The amounts in the chart above are the maximum amounts that you may borrow for an academic year. You might receive less than the maximum if you receive other financial aid that's used to cover a portion of your cost of attendance.

  • Borrow responsibly as the aggregate limits are for your entire undergraduate career up to a bachelor's degree.