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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.
For example, the popular federal Stafford loan program limits undergraduate students to $23,000 in subsidized Stafford loans. You have a few options regarding how to continue your education if you have reached the limit on how much you can borrow.f you have reached the limit for subsidized Stafford loans, you can still get unsubsidized Stafford loans, as long as you have not reached that limit. If you are in graduate school, you can get PLUS loans, which have no limit.