Loan Limits

DEPENDENT UNDERGRADUATES
Subsidized Total Subsidized & Unsubsidized
Level 1 $3,500 $5,500
Level 2 $4,500 $6,500
Level 3 and Up $5,500 $7,500

INDEPENDENT UNDERGRADUATES ( and students whose parents are unable to borrow under the PLUS program)
Subsidized Total Subsidized & Unsubsidized
Level 1 $3,500 $ 9,500
Level 2 $4,500 $10,500
Level 3 and Up $5,500 $12,500

GRADUATE STUDENTS
Total Unsubsidized
Any Level $20,500

PROFESSIONAL (OPTOMETRY) STUDENTS
Total Unsubsidized (Legacy student*)
Any Level $40,500
(students may be eligible for an additional $6,667 for the summer semester)
Total Unsubsidized (New students beginning Fall 2026)
$50,000

AGGREGATE AMOUNTS
Subsidized Total Subsidized & Unsubsidized
Dependent Undergraduates $23,000 $31,000
Independent Undergraduates $23,000 $57,500
Graduate Students N/A $100,000 (Graduate students beginning their program as of Fall 2026)
$138,500 (Legacy students*)
Professional Students N/A $200,000 (Professional students beginning their program as of Fall 2026)
$224,000 (Legacy students*)


 *Legacy students are defined as a student who has borrowed a Direct Unsubsidized Loan for their current graduate or professional program of study before July 1, 2026. 

Code of Conduct

The University of Missouri adheres to a Code of Conduct that addresses its relationships with providers of educational loans.