08/11/2020

James Whitten
150 sandpit ct
Leesville, SC 29070

Dear Student/Parent,

Welcome and congratulations on your decision to attend South University - Online! The Student Financial Services
Department (SFSD) is excited to go through your Student Financial Plan to show you what your options are as you
plan your resources through your enrollment.

What Is The Student Financial Plan?

South University - Online provides a Student Financial Plan as an added benefit to our students/parents. This allows
students/parents to forecast direct charges and financial aid through the student's enrollment, which also helps the
family to better budget for current and future needs.

The Student Financial Plan is an estimate of direct charges and financial aid for the length of your program of study
based on the current financial aid and academic information we have received from you. As your financial aid and/or
academic situation changes, your Student Financial Plan may change as well. The Student Financial Plan will be
affected by such things as transfer credits, transitional/remedial classes needed, failed classes, reduced credit load,
withdrawal, housing costs, accurate and timely submission of appropriate applications, and other matters.

What Will I Learn During My Student Financial Planning Appointment?

This will be an opportunity for you/parents to ask questions, as well as the SFSD to provide information about the
following:

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contributions, financial aid, Veteran Benefits, and other applicable financial resources.
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What Are Your Student Contribution Payment Options?

1. Cash contributions you can make towards your education.

2. Outside private grants and scholarships for which you, the student, may have been awarded. Students are
strongly encouraged to continue research efforts throughout enrollment to assist with reducing student loan debt.

3. For dependent students, a parent may apply for the Federal Parent PLUS Loan (credit based) and, if eligible,
cover any balance of cost due for each academic year.

Thank you for choosing South University - Online! We look forward to working with you as you strive towards your
educational success!

James Whitten - 2046071609 Page 1

 Student Name: James Whitten
Program: Psychology - Bachelor Request: New
Student ID: 2046071609
Start Date: 8/18/2020 Independent or Dependent: Dependent
Campus: South University - Online
Projected Graduation Date: 08/2023 Enrollment Status: Full Time
709 Mall Boulevard
Total Credits Earned: 0.00 Grade Level: 1
Savannah, GA 31406
Financial Advisor: Current EFC: 0
Phone: (888)444-3404
Admissions Representative: William Cunningham Plan Last Updated: 8/11/2020 5:05:56 PM ET

STUDENT FINANCIAL PLAN PROJECTION

Academic Year 1 2 3 4
2020 2020 2021 2021 2021 2021 2021 2022 2022 2022 2022 2022
August October January March June 01 August October January March May 31 August October
Term 18 27 12 23 Quarter 17 26 11 22 Quarter 16 25
Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter Quarter
Credits 12 12 12 12 12 12 12 12 12 12 12 12

Transitional Credits
Grade Level 1 1 1 2 2 2 3 3 3 4 4 4

Direct Cost of Attendance (a, b, c)

Digital Textbook $180 $180 $180 $180 $180 $180 $180 $180 $180 $180 $180 $180

Graduation Fee
Technology Fee $180 $180 $180 $180 $180 $180 $180 $180 $180 $180 $180 $180

Tuition $4,500 $4,500 $4,500 $4,500 $4,050 $4,050 $4,050 $4,050 $3,825 $3,825 $3,825 $3,825

Total Direct Cost of Attendance by $4,860 $4,860 $4,860 $4,860 $4,410 $4,410 $4,410 $4,410 $4,185 $4,185 $4,185 $4,185
Term
Total Direct Cost of Attendance $14,580 $13,680 $13,005 $12,555
of Academic Year

James Whitten - 2046071609 Page 2

 Financial Aid - Scholarships and Grants (d, e)
Federal Pell Grant $2,115 $2,115 $2,115 $2,115 $1,058 $2,115 $2,115 $2,115 $2,115 $1,058 $2,115 $2,115

Federal SEOG Grant Funds

Total Scholarships and Grants $2,115 $2,115 $2,115 $2,115 $1,058 $2,115 $2,115 $2,115 $2,115 $1,058 $2,115 $2,115

Net Cost of Attendance of $8,235 $8,392 $6,660 $7,267

Academic Year
(Net Direct Cost of Attendance of Academic Year represents Total Direct Cost of Attendance of Academic Year less Total Scholarships and
Grants)

Financial Aid - Loans (f, g, h, i)

Federal Direct PLUS Loan
Federal Direct Subsidized Loan $1,155 $1,155 $1,155 $1,485 $1,485 $1,485 $1,814 $1,814 $1,815 $1,814 $1,814 $1,815

Federal Direct Unsubsidized Loan $1,979 $1,979 $1,979 $1,979 $1,979 $1,979 $2,309 $2,309 $2,310 $2,309 $2,309 $2,310

Federal Perkins Loan Funds

Total Net Loans $3,134 $3,134 $3,134 $3,464 $3,464 $3,464 $4,123 $4,123 $4,125 $4,123 $4,123 $4,125

Gross Federal Direct Subsidized $3,500 $4,500 $5,500 $5,500

Loan
Gross Federal Direct $6,000 $6,000 $7,000 $7,000
Unsubsidized Loan
Work Study (Federal, State or School) (j)
Federal Work Study
Balance or Credit Due excluding -$389 -$389 -$389 -$719 -$112 -$1,169 -$1,828 -$1,828 -$2,055 -$996 -$2,053 -$2,055
work study
(Balance or Credit Due represents Total Direct Cost of Attendance of Academic Year less Total Scholarships and Grants and Total Net Loans)

Payments / Stipends
Planner Adjustment

Net Payments and Stipends

Balance of Cost -$389 -$389 -$389 -$719 -$112 -$1,169 -$1,828 -$1,828 -$2,055 -$996 -$2,053 -$2,055

James Whitten - 2046071609 Page 3

 Academic Year 5
2023 2023 2023 Total
January March June 08
Term 19 30 Quarter
Quarter Quarter
Credits 12 12 12 180

Transitional Credits
Grade Level 4 4 4

Direct Cost of Attendance (a, b, c)

Digital Textbook $180 $180 $180 $2,700

Graduation Fee $125 $125

Technology Fee $180 $180 $180 $2,700

Tuition $3,600 $3,600 $3,600 $60,300

Total Direct Cost of Attendance by $3,960 $3,960 $4,085 $65,825

Term
Total Direct Cost of Attendance $12,005 $65,825
of Academic Year
Financial Aid - Scholarships and Grants (d, e)
Federal Pell Grant $2,115 $2,115 $1,058 $28,554

Federal SEOG Grant Funds $0

Total Scholarships and Grants $2,115 $2,115 $1,058 $28,554

Net Cost of Attendance of $6,717 $37,271

Academic Year
(Net Direct Cost of Attendance of Academic Year represents Total
Direct Cost of Attendance of Academic Year less Total Scholarships
and Grants)

James Whitten - 2046071609 Page 4

 Financial Aid - Loans (f, g, h, i)
Federal Direct PLUS Loan $0

Federal Direct Subsidized Loan $1,319 $1,319 $1,320 $22,764

Federal Direct Unsubsidized Loan $2,803 $2,803 $2,804 $34,140

Federal Perkins Loan Funds $0

Total Net Loans $4,122 $4,122 $4,124 $56,904

Gross Federal Direct Subsidized $4,000 $23,000

Loan
Gross Federal Direct $8,500 $34,500
Unsubsidized Loan
Work Study (Federal, State or School) (j)
Federal Work Study $0

Balance or Credit Due excluding -$2,277 -$2,277 -$1,097 -$19,633

work study
(Balance or Credit Due represents Total Direct Cost of Attendance
of Academic Year less Total Scholarships and Grants and Total Net
Loans)
Payments / Stipends
Planner Adjustment $0

Net Payments and Stipends $0

Balance of Cost -$2,277 -$2,277 -$1,097 -$19,633

James Whitten - 2046071609 Page 5

 Note (a): The direct cost of attendance includes expected tuition, general fee, digital textbook charge and kit(s) which are billed to your account and paid to the school directly.
Note (b): These tuition and fee rates are not guaranteed for the length of the program; however, you will be given at least 30 days advance notice of any changes in these rates.
Note (c): While we are displaying your estimated Direct Cost of Attendance, please refer to the school’s Financial Aid Cost of Attendance on its Consumer Information, Financial Aid Facts webpage for an estimate of total program
costs including Indirect Cost of Attendance (Room and Board, Transportation, Other Educational Costs) for the current academic year at (https://content.dcedh.org/assets/documents/su/cost-of-attendance-south-university-
online.pdf).
Note (d): Scholarships and grants do not have to be repaid, unless you fail to meet certain terms as specified as a condition of the scholarship or grant.
Note (e): Scholarships and grants are usually limited; awards are dependent upon available funding and subject to review, adjustment, reduction or elimination.
Note (f): Financial aid in the form of loans must be repaid with interest. Education loans have varying interest rates and repayment terms. Students and/or parents are required to sign a promissory note when accepting an
education loan.
Note (g): Recommended education loan amounts are shown here; you may be eligible for different amounts. Please consider the Summary of Annual and Aggregate Direct Loan Limits chart on the last page of this award letter.
Contact your student financial services advisor directly for clarification or additional information.
Note (h): For Federal loans, awards disbursed to your account are net of loan origination fees from the gross loan amount(s) borrowed. The Net Total awards shown are estimated loan amounts to be disbursed.
Note (i): To reduce or eliminate your education loan awards listed above, please contact your student financial services advisor directly.
Note (j): Employment opportunities may also be available at the school under the Federal Work Study program; this financial aid must be earned, and is disbursed directly to participating students on the school's normal two-week
payroll cycle after the student has performed the work. The assistance is limited and subject to the availability of jobs. If you are interested, please contact your student financial services advisor to determine eligibility and to obtain
additional information. Participants in the Federal Work Study program will receive a separate notification.

Estimated Monthly Minimum Payment: $0

Estimated Monthly Minimum Payment once the Draw Period Ends (out of school payments): N/A

The estimated monthly minimum payment is based on information as of the date of this document. The estimate may change should amendments occur with certain terms of your account. If
you enter into a Retail Installment Contract, the actual monthly payments will be set forth in your loan documentation.

James Whitten - 2046071609 Page 6

 STUDENT FINANCIAL PLAN CONDITIONS

The Student Financial Plan is the result of the Financial Planning process completed by you and the Institute. This Plan is subject to the conditions and understandings described below.

I. Student Financial Plan Acknowledgment

A. The estimated cost of attendance and financial aid awards are based on the enrollment status you selected as well as other academic and financial information provided to the
school as of the date of this estimated award letter. Your eligibility for financial aid is based on the accuracy of the information provided by you and your parent(s), if applicable.
We have assumed that your eligibility will not change for each aid fund but it may, based on matters outside of our control; accordingly we do not guarantee the financial aid set
forth on the Student Financial Plan. Your financial aid awards may change or be voided if you do not meet, or continue to meet all requirements for each specific aid type.
Disbursement requirements are dictated by the aid program regulations or policies.
B. Payment of these financial aid awards and the Plan are conditional upon your maintaining satisfactory academic progress in accordance with school policy, appropriations by
Congress or State legislature, and will not be paid until prior defaults are resolved, if any. If we do not receive any or some of the financial assistance set forth in this plan, you
understand you will be responsible for payment of any amounts not received. If we do not receive any of the financial assistance set forth in this Plan, you understand that you will
be responsible for payment of any amounts not received.
C. The Plan has been developed assuming that you timely and accurately submit all financial aid related materials and continue to do so through the program.
D. Increasing or decreasing your registered classes may alter the amount of financial aid for which you may be eligible to receive from the award programs; these amounts are
based on federal, state, agency and school mandated regulations and policies.
E. You may be extended credit by the Institute during periods when financial aid application materials are still in process beyond the starting date of a term, and/or when deferred
payment plans are approved. Should you withdraw from the program for any reason prior to the disbursement of these funds, you are responsible for any account balance
remaining.
F. If you withdraw/graduate from school, and have made all agreed-upon monthly plan payments, you may still owe a balance (funds) to the school since credit may have been
extended to you. The school reserves the right to withhold the release of your transcript and/or diploma at any time during the repayment period that you are not in compliance
with all terms of this plan.
G. Under the federally mandated Return to Title IV Federal Formula and/or the school/state refund formula, if you withdraw from school, some financial aid funds may need to be
returned to the source. This could result in you owing the Institution some funds. Please see your Enrollment Agreement for details.
H. For a list of the current federal student loan interest rates and estimated monthly and total repayment amounts, please refer to the school's Financial Aid Brochure
(https://content.edmc.edu/assets/documents/su/suo-financial-aid-brochure.pdf) and Student Consumer Information (https://www.southuniversity.edu/online/student-consumer-
information#financial-aid) within the Financial Aid Facts section.
I. If we obtain written authorization from you or your parent, as applicable, we may use you or your parent's Federal aid program funds to pay for other educational charges such as,
but not limited to, parking or transportation fees, insurance and equipment rental fees, and other charges that are included in the authorization and hold on behalf of you or your
parent any Federal aid program funds that would otherwise be paid directly to you or your parent. Please contact your student financial services advisor regarding this
authorization.
J. For additional information regarding how financial aid is paid, maintaining eligibility, types and descriptions, as well as general terms and conditions, please contact your student
financial services advisor directly or refer to our Student Consumer Information (https://www.southuniversity.edu/online/student-consumer-information#financial-aid) within the
Financial Aid Facts section and the Financial Aid Brochure (https://content.edmc.edu/assets/documents/su/suo-financial-aid-brochure.pdf).
K. This estimated award letter has been made contingent upon the availability of these funds. We reserve the right to adjust your financial aid award(s) if there is any change in your
enrollment selections, academic or financial status as described by federal and other agency regulations governing these programs. If you want to reduce or eliminate a loan
disbursement, follow the deadlines and procedures on the Right to Cancel notices. If you want to increase, reduce or eliminate the loan amounts on this award letter, you will
need to discuss other payment arrangements by contacting your student financial services advisor directly. If you reduce or eliminate any of the loan financial aid, you will still be
responsible for all tuition and fees billed to your account. Your loan aid will be credited to your student account within three business days of our receipt of those funds.
L. You may also apply for any available private alternative education loan that meets your needs. These loans are offered by private lending organizations and are not subsidized by
a government agency. These lenders reserve the right to choose the schools and borrowers that they will approve, and borrowers must apply annually. Alternative education
loans are not to be used as a substitution for federal financial aid loans. Alternative education loans are intended to provide additional funding for your education after all federal
loans are sought. For more information about these loan options, please refer to our Student Consumer Information (https://www.southuniversity.edu/online/student-consumer-
information#financial-aid) within the Financial Aid Facts section. If awarded an alternative loan, the signatories understand that their credit report and a credit evaluation will need
to be obtained. Examples of forms that you will be required to complete for private or for school financing may be found in our Student Consumer Information
(https://ifap.ed.gov/eannouncements/attachments/072716PrivateEducationLoanApplicantSelfCertificationForm.doc).
M. For diploma and certificate academic programs, please visit the school's Gainful Employment webpage at (https://www.southuniversity.edu/programs-info) for more information
regarding total tuition and fees for the program, on-time graduation rates, graduate placement success, median debt concerning the program, and the names of the occupations
for which the program prepares students accompanied by links to a federal government website which contains occupational profiles and potential income sometime after
graduation. We do not guarantee placement or salary.
N. Many courses have a Digital (Electronic) Textbook charge, unless you opt out, which includes the required electronic textbook for the courses made available to you on-line. As

James Whitten - 2046071609 Page 7

 equipment needs can change, we will seperately update you on computer/laptop needs and technology needs and costs (costs are on the Enrollment Agreement).
O. Students who are Title IV eligible and who have an excess of Title IV funding will receive their credit balance amount, for the term in question, within the later of fourteen (14)
calendar days of the start of the term or fourteen (14) calendar days of the date the financial aid credit balance appears on their student account.
You are required to read all applications and comply with all rules for your financial aid awards. If you have any questions, please contact your Financial Advisor.
II. Non-Payment/Default
This Plan has extended credit to you in order to provide you with the convenience of paying your Balance of Cost through periodic payments. The Institute reserves the right to
withdraw extension of credit for any reason of non-payment or default of such payments. Non-payment of account may result in additional collection costs.
III. If applicable under your Enrollment Agreement, you may be charged interest on any outstanding balance on your account.
IV. If you are awarded a PLUS loan, it is understood that the PLUS loan must be applied for at least annually and that it is contingent on your credit history.

Special Note to Loan Recipients: If you need to borrow, borrow responsibly. Within seven days of the date your account is credited with a loan disbursement, a Right to Cancel
notice will be sent to your last recorded address in our system. Please see the Registrar if you need to update your mailing address.

If I am otherwise eligible, I understand the maximum annual loan amount is listed on the Summary of Annual and Aggregate Direct Loan Limits table included in this estimated
award letter. I have been counseled concerning loan debt and I would like to request less than the annual amount in order to reduce the amount of Direct Loan debt I am
incurring while enrolled in the program. I understand I can rescind this authorization at any time by meeting with or notifying by email or by letter the school's financial aid
office, but I also understand my rescission may not be retroactively available for prior loan periods or award years. I have reviewed this Student Financial Plan and all of its
disclosure pages in their entirety.

AT A MINIMUM, PLEASE MAKE SURE YOU HAVE ALSO REVIEWED OUR CATALOG, THE ENROLLMENT AGREEMENT, ALL STUDENT CONSUMER INFORMATION AND, IF
APPLICABLE, DIPLOMA AND CERTIFICATE GAINFUL EMPLOYMENT DISCLOSURES.

_________________________________________ __________________ _________________________________________ __________________

Student Signature Date Parent Signature Date

James Whitten - 2046071609 Page 8

Summary of Federal Financial Aid Award Definitions and Disbursement Schedule

Federal Pell Grant is a Federal grant and does not require repayment. The Federal Pell Grant is awarded based on financial need. The credit is automatic, as long as your financial paperwork is complete, you remain
eligible for aid, and you officially register for classes each term.

Federal Iraq and Afghanistan Service Grant (IASG) is a Federal grant and does not require repayment. The Federal IASG grant is essentially a non-need-based Pell grant. The payment or credit procedures for the
Federal IASG grant are the same as those for the Federal Pell Grant (above).

Federal SEOG (Federal Supplemental Education Opportunity Grant) is a Federal grant and does not require repayment. The Federal SEOG grant is awarded based on exceptional financial need. The payment or credit
procedures for the Federal SEOG grant are the same as those for the Federal Pell Grant and Federal IASG grant (above). There is a limited amount of Federal SEOG available.

Federal Perkins Loan is a Federal loan program that does require repayment. The Federal Perkins Loan is awarded based on exceptional financial need. The payment or credit procedures for the Federal Perkins Loan
are similar to those for the Federal Pell Grant, Federal IASG grant and Federal SEOG grant (above). However, a signed promissory note and a complete personal data sheet are required before these loan funds may be
credited to your account. There is a limited amount of Federal Perkins available. Congress may phase out Perkins Loans for new recipients.

Subsidized Direct Loan (Federal Subsidized Direct Loan) is a Federal loan program that requires repayment. The Federal Subsidized Direct Loan is awarded based on financial need. The U.S. Department of Education,
through the William D. Ford Federal Direct Loan Program, administers this program. The EFT loan funds are automatically credited to your tuition account within the time frame referenced below. For first-time borrowers,
these loan funds cannot be credited to your account until you are in school for thirty (30) calendar days. Dependent and independent undergraduate students are eligible for these loan funds, based on need, of up to
$3,500 in the first year, $4,500 in the second year, and $5,500 in the third year and beyond. If you do not have need up to these limits, you may be eligible for unsubsidized loan funds, as described below. See Summary
of Annual and Aggregate Direct Loan Limits chart on the Frequently Asked Questions page of this estimated award letter.

Unsubsidized Direct Loan (Federal Unsubsidized Direct Loan) is a Federal loan program that does require repayment. The Federal Unsubsidized Direct Loan is not awarded based on financial need. The U.S. Department
of Education, through the William D. Ford Federal Direct Loan Program, administers this program. The EFT loan funds are automatically credited to your tuition account within the time frame referenced below. For first-
time borrowers, these loan funds cannot be credited to your account until you are in school for thirty (30) calendar days. See Summary of Annual and Aggregate Direct Loan Limits chart on the Frequently Asked
Questions page of this estimated award letter.

Parent and Graduate PLUS Loan (Federal Direct Parent Loan for Undergraduate Students Loan and Federal Direct Graduate Loan) is a Federal loan program that does require repayment. The Federal PLUS Loan is
awarded to parents of dependent students and to graduate and professional degree students. The U.S. Department of Education, through the William D. Ford Federal Direct Loan Program, administers this program. This
loan is guaranteed based on the credit worthiness of the borrower. If you or your parents are eligible, the student's account is credited by EFT as stated above for the William D. Ford Federal Direct Subsidized and
Unsubsidized Loans. If approved, PLUS loans are available for an amount up to the Cost of Attendance less all other financial aid. The interest on this loan begins to accrue quarterly after all disbursements of the loan
have been released. If awarded a Federal PLUS Loan, the signatories understand that their credit report and a credit evaluation will need to be obtained.

Federal Work Study Program offers a job to students that have financial need, but it does not require priority for students who have exceptional financial need. There are a limited amount of Federal Work Study positions
available. Payment is disbursed directly to the student based on the school's normal two-week payroll cycle, after the student has performed the work. Participants in the Federal Work Study program will receive a
separate notification.

Expected Family Contribution (EFC) is determined by filing the FAFSA and is used as a guide to determine your aid eligibility. It represents the amount that you or your family, if dependent for financial aid purposes, is
reasonably expected to contribute to your postsecondary educational expenses. Your actual contribution may be different.

Your estimated award letter provides you with a schedule of aid payments from each aid program you use; except for Federal work study, which is paid to you as earned. These payments are usually made in equal
installments for each term in each academic year. Once all the required paperwork is accurately completed, submitted on time and you start school, your financial aid is automatically credited to your account usually at the
beginning of each term. For first-time loan borrowers, loan funds cannot be credited to your account until you are in school for thirty (30) calendar days. Most other aid is also sent to the school directly. If you later become
eligible for aid, we anticipate crediting your account within seven (7) calendar days when you become eligible. If you cease attending some or all of your classes before aid is paid, you may lose access to some or all of
the aid awarded.

James Whitten - 2046071609 Page 9

 Please visit the resources below, in response to frequently asked questions about paying for your education.
Student Consumer Information:
Title Question Destination
Student Consumer Information What information do I need before deciding where to attend School's Student Consumer Information disclosures
college? http://online.southuniversity.edu/consumer-
information/overview.html
Financial Literacy What types of financial aid programs are available to me and School's financial literacy website
how do I manage my finances? https://www.igrad.com/
Loan Counseling What does it mean to borrow to finance my education? U.S. Department of Education's Office of Federal Student Aid
https://studentloans.gov/myDirectLoan/whatYouNeed.action?
page=entrance
Median Indebtedness for Diploma and Certificate Programs How much could I owe for my Diploma or Certificate program School's Gainful Employment website
when I graduate? https://www.southuniversity.edu/programs-info
School Undergraduate Graduation How many of the school's students continue and graduate from School's Graduation Rates:
and Retention Rates their chosen program? https://content.edmc.edu/assets/documents/su/graduation-rate-
south-university-online.pdf

School's Retention Rates:

https://content.edmc.edu/assets/documents/su/retention-rates-
suo.pdf
How much will my payments for Federal loans be when I go U.S. Department of Education's Office of Federal Student Aid,
into repayment? Repay Your Loans
https://studentaid.ed.gov/sa/repay-loans
U.S. Department of Education's Office of Federal Student Aid,
Repayment Information Payment Estimator
https://studentloans.gov/myDirectLoan/mobile/repayment/repay
mentEstimator.action
Where do I learn about loan repayment choices and work out U.S. Department of Education Federal Direct Loans
my Federal Loan monthly payment? https://studentaid.ed.gov/sa/repay-loans/understand/plans
Federal Student Aid History How much federal student aid have I received in loans and National Direct Student Loan Data System
grants? www.nslds.ed.gov
* Please note that most loans and grants have aggregate limits.
College Navigator
http://nces.ed.gov/collegenavigator/
College Comparison Tools Where can I compare information about the schools I am College Scorecard
considering? http://collegecost.ed.gov/scorecard/

Paying for College

http://www.consumerfinance.gov/paying-for-college/
Net Price Calculator What should I expect my out-of-pocket costs to be for one School's Net Price Calculator
year? https://www.southuniversity.edu/online/net-price-calculator

The U. S. Department of Education also provides a public glossary highlighting standard federal financial aid terms and definitions, which can be found at this webpage:
http://studentaid.ed.gov/PORTALSWebApp/students/english/Glossary.jsp

James Whitten - 2046071609 Page 10

 Summary of Annual and Aggregate Direct Loan Limits:

The following chart provides maximum annual and aggregate (total) loan limits for subsidized and unsubsidized Federal Direct Loans, based on earned credits.
Year Dependent Undergraduate Student Independent Undergraduate Student
(except students whose parents (and dependent students whose
are unable to obtain PLUS loans) parents are unale to obtain PLUS
loans)

First Year $5,500-No more than $3,500 of this $9,500-No more than $3,500 of this
amount may be in subsidized amount may be in subsidized loans.
loans.

Second Year $6,500-No more than $4,500 of this $10,500-No more than $4,500 of this
amount may be in subsidized amount may be in subsidized loans.
loans.

Third and Beyond (each year) $7,500-No more than $5,500 of this $12,500-No more than $5,500 of this
amount may be in subsidized amount may be in subsidized loans.
loans.

Maximum Total Debt from Stafford Loans $31,000-No more than $23,000 of $57,500-No more than $23,000 of
When You Graduate (aggregate loan limits) this amount may be in subsidized this amount may be in subsidized
loans. loans.

Note: These annual loan limit amounts are the maximum amounts you can borrow in both subsidized and unsubsidized loans in an academic year. You can have one type of loan or a
combination of both. Because you cannot borrow more than your cost of attendance minus any other financial aid you'll get, you may receive less than the annual maximum amounts.
The maximum annual and total loan limits include any Stafford Loans you may have received under the FFEL Program as well as any Federal loans borrowed at other post-secondary institutions.

James Whitten - 2046071609 Page 11