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Maximum Payments. Each year, a graduate student may borrow up to $20,500 in Federal Stafford Loans (not exceeding $8,500 in subsidized loans per year). The maximum amount a graduate student can borrow upon graduation is $138,500 (up to $65,000 in subsidized loans). Certain graduate schools, such as health-related schools, allow up at $224,000 in graduate student loans. In some cases, federal student loans do not cover the entire cost of graduate school.
The federal government recognizes this expense, and it sets higher limits for the Stafford loan program to accommodate for the difference. Students taking a Stafford loan after 2008 could borrow up to $138,500 from the Stafford program. Students in medical schools had higher limits of up to $224,000. The aggregate limits do not apply to any Stafford loans taken during undergraduate school.