Post-Baccalaureate Student Financial Aid Information
Post-baccalaureate students (students who have already earned their first bachelor’s degree) who are admitted into a degree-approved certificate program may be eligible for Federal Direct Loans if they have not already reached the aggregate maximum federal loan amount. Post-baccalaureate students are not eligible for state or federal grant programs.
Federal Loan Eligibility
Post-baccalaureate students may be eligible for Federal Direct Student Loans based on their dependency status:
- Dependent students may borrow up to $5,500 in Federal Direct Student Loans during the academic year. In addition, a Parent PLUS Loan may be available if a parent applies and is approved.
- Independent students may borrow up to $12,500 in Federal Direct Student Loans.
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Loan Limits by Student Status
| Student Status | Subsidized | Unsubsidized | Total |
|---|---|---|---|
| Dependent | $5,500 | $2,000 | $7,500 |
| Dependent w/ Parent PLUS Denial | $5,500 | $7,000 | $12,500 |
| Independent | $5,500 | $7,000 | $12,500 |
Important Notes
- Students must be enrolled at least half-time to qualify.
- Private lenders are also an option.
For full details on federal loan requirements, interest rates, origination fees, borrowing limits, grace periods, and repayment information, visit the Federal Student Aid website.
Completing the FAFSA (2025–2026)
When filling out the 2025–2026 Free Application for Federal Student Aid (FAFSA), use the following responses:
- College grade level at the start of the 2025–26 school year: Other Undergraduate (junior or beyond)
- Will you already have your first bachelor’s degree before 2025–26? Yes
Maintaining Aid Eligibility
Understanding and maintaining federal aid eligibility is crucial. Be sure to review the following: