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Vicki
Lv 4
Vicki asked in Education & ReferenceFinancial Aid · 1 decade ago

How much can I borrow with a federal direct loan?

I am currently an LPN and am going to return to school for my RN. I have 60 or 70 credit hours at this time and am independent status. How much can I borrow?

The table on the website is a bit confusing... I am not exactly a second year undergraduate.

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  • 1 decade ago
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    If you have over 60 hours you are considered a Junior and can borrow up to 12,500 a year in federal Stafford loans. However, it sounds like you may be at a 2 year school. So they MAY not be able to give you that much. If I were you I'd visit with the schools finanical aid office about how many hours you have "Attempted" because if you are at a community college they will cut your aid off at 90 attempted hours.

    IF you don't have any cash saved up, you need to be sure you can earn your RN before you hit that 90 hour "attempted" hour mark. Note: Attempted hours includes hours you completed as well as those hours you may have enrolled in and then later dropped... for many there is not much of a difference, but for others it's HUGE.

    Good luck.

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