Aggregate Lifetime Loan Limits

The federal Aggregate Lifetime Loan Limit puts a cap on the total amount of subsidized and/or unsubsidized loans that you may borrow for undergraduate and graduate study. If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you're not eligible to receive additional loans. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit, you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.

Students cannot exceed the Aggregate Lifetime Loan Limits for the program for which they are enrolled. As students get close to their aggregate loan amounts, the school is notified by the National Student Loan Data System (NSLDS) and is required to complete a Loan Limit Review (LLR) of all loans borrowed. Loan Limit Reviews can take 1-4 weeks for processing depending on the time of year and when your FAFSA was received. Please allow for processing time; if additional information is needed from you, the information will be requested on your myVILLE Student Portal > Finances > Financial Aid Requirements > Financial Aid Status > Select Aid Year.