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Loans are awarded after your eligibility for grants, scholarships, and Federal Work-Study (FWS) is considered. Your financial aid package may include loans in the form of need based and/or non-need based financial aid.

Loan limits

Federal regulations place annual and aggregate (lifetime) limits on the amount you can borrow.  These limits include Federal Stafford Loans borrowed at other schools you have attended.  The total amount borrowed in all programs combined (including Parent Loans) can't exceed your annual costs as determined by OSU, minus any other aid you will receive.  


 Annual loan limits: 

 Undergraduate Base amount Additional unsubsidized
Freshman $3,500


*$6,000 if Independent

Sophomore $4,500


*$6,000 if Independent

Junior/Senior $5,500


$7,000 if Independent

*Undergraduate Dependent students whose parents are denied for the Parent Loan may be eligible for the Independent Undergraduate loan limits.

Graduate $20,500 Unsubsidized Only


Aggregate (lifetime) loan limits: 

Classification Subsidized limit Overall limit
Dependent undergraduate $23,000 $31,000
Independent Undergraduate $23,000 $57,500
Graduate* $65,000 $138,500

*Graduate limit includes both undergraduate subsidized and unsubsidized loans. 


You can view the total amount of federal loans you have borrowed on the National Student Loan Data System (NSLDS)


Need based loans

Non-need based loans

Other loans


Loan information

Student loan repayment

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