Credits & Loan Limits Per Grade Level
In order to advance to the next grade level, undergrads must earn a certain number of credits:
| Grade Level | Credits Required |
| Freshman | 0-27 |
| Sophomore | 28-55 |
| Junior | 56-87 |
| Senior | 88 or more |
For example, at the end of your first two semesters, you do not become a sophomore unless you have earned at least 28 credits (including transfer credits).
The amount of money you may borrow through the federal Direct Loan program depends on your grade level:
|
Maximum |
Maximum Subsidized |
|
| Dependent Freshman | $5,500 | $3,500 |
| Dependent Sophomore | $6,500 | $4,500 |
| Dependent Junior/Senior | $7,500 | $5,500 |
| Independent Freshman | $9,500 | $3,500 |
| Independent Sophomore | $10,500 | $4,500 |
| Independent Junior/Senior | $12,500 | $5,500 |
| Graduate/Professional* | $20,500 | $0 |
| Medical | $40,500 | $0 |