Birçok insan , eğitim maliyetlerini karşılamak için **öğrenci kredisi** almak zorundadır. Ancak, herkes aynı miktarda öğrenci kredisi alamaz. Alacağınız öğrenci kredisi miktarı, öğrenci kredisi türüne ve okuldaki yılınıza bağlıdır.

**Öğrenci kredisine göre alabileceğiniz öğrenci kredisi miktarı**

İki tür öğrenci kredisi vardır; federal öğrenci kredileri ve özel öğrenci kredileri. Federal öğrenci kredileri de türlere ayrılmıştır. Federal öğrenci kredisi miktarı, sübvanse edilen ve sübvanse edilmeyen federal öğrenci kredileri olarak değerlendirilir.

Toplam miktarı ise Genelde, lisans öğrencileri için yıllık öğrenci kredisi, 12500 $ olan **öğrenci kredileri** federal öğrenci kredileri için 57.500 $ ‘dır. Bu miktarlarda öğrenci kredisi alma hakkı mutlaka bu miktarlarda öğrenci kredisi almanız anlamına gelmez. Eğitim masraflarınızın miktarını hesaplayın ve gelecekteki mesleğinizde alabileceğiniz maaşı tahmin edin. Öğrenci kredilerinizi bu kriterlere göre alın.

Genel olarak, lisansüstü öğrenciler için alınabilecek toplam öğrenci kredisi tutarı 20500 dolar, alabilecekleri toplam öğrenci kredisi tutarı ise 138500 $ ‘dır.

**Federal öğrenci kredileri için öğrenci kredileri limitleri**

The amount of federal student loans varies depending on the type of credit, the year at school, and the status of dependent and independent students. There are 3 main federal student loan type groups; direct subsidized loans, direct non-subsidized loans and direct PLUS loans. You can apply to FAFSA to obtain **student loans** for these types of loans.

**Direct subsidized student loans;**

Subsidized student credits are only available to undergraduate students, but not graduate students. The limits of subsidized student loans have a certain amount, both annually and in total. If you reach the total limit of subsidized student loans, you must first pay your outstanding debt. This allows you to receive additional federal student loans.

The limits of subsidized student loans for dependent undergraduate and independent undergraduate students are the same, but will vary for non-subsidized student loans.

**Amount of subsidized student loans for ****dependent and independent undergraduate students;**

- The amount of
**student loans**for students in their first year is 3500 $. - The amount of student loans for students in their second year is 4500 $.
- The amount of student loans for students in their third year or more is 3500 $.
- The total amount of subsidized student loans is 23,000 $.

**Direct non-subsidized student loans;**

Non-subsidized student credits can be obtained by both undergraduate and postgraduate students. Dependent undergraduate students and independent undergraduate students receive student loans of different amounts.

**Amount of subsidized student loans for dependent undergraduate students**;

- The amount of student loans for students in their first year is generally 5500 $.
- The amount of student loans for students in their second year is generally 6500 $.
- The amount of
**student loans**for students in the third and more years is generally 7500 $. - The total amount of non-subsidized student loans is 31000 US $.

**Amount of subsidized student loans for independent undergraduate students**;

- The amount of student loans for students in their first year is usually 9500 $.
- The amount of student loans for students in the second year of the students is generally 10500 $.
- The amount of student loans for students in the third and subsequent years is usually 12500 $.
- The total amount of non-subsidized student loans is 57500 $.

**The amount of non-subsidized student loans for graduate students**;

- The amount of
**student loans**paid per year for graduate students is fixed and is 20500 $. - The total amount of non-subsidized student loans determined for graduate students is 138500 $, including the amount of undergraduate loans.

**Direct PLUS student loans;**

Direct PLUS loans can be obtained by;

- Graduate students,
- Professional students,
- Parents of dependent undergraduate students.

There is no limit on student loans for direct PLUS credits, but the maximum limit is set. This maximum limit for Direct PLUS student loans is determined by subtracting the financial assistance you receive from the school’s attendance cost. Attendance costs include tuition fees and fees for other elements that may occur during the tuition.

It is more sensible to get subsidized or un-subsidized **student loans** before you prefer direct PLUS student loans. Direct PLUS student loans have higher interest rates than others.

**Student loans limits for private student loans**

The limit of private student loans may vary depending on the lender, but generally the limits of private student loans do not exceed the total attendance cost limit of the school.

According to the lenders, the limits of private student loans are as follows;

- Ascent;

The student loans limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost. The maximum amount of student loans you can get from ascent is $ 200,000.

- Citizens one;

The **student loans** limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost. The maximum amount of student loans that undergraduate students can receive from citizens one is $ 100,000.

- College Ave;

The student loans limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost. Undergraduate students from college ave can receive a maximum of $ 80,000.

- Commonbond;

The student loans limit is determined depending on the total attendance cost of the school certified. The maximum amount of student loans students can receive from CommonBond is $ 500,000.

- Discover;

The **student loans** limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost.

- Earnest;

The student loans limit is determined depending on the total attendance cost of the school certified.

- LendKey;

The student loans limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost.

- MEFA;

The student loans limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost.

- MPOWER;

The amount of student loans that students can receive is $ 50,000. Students can receive $ 25,000 student loans per academic period.

- Navy Federal;

The maximum amount of **student loans** for undergraduate students is $ 120,000, while the maximum amount of student loans for graduate students is $ 160,000.

- PNC;

For undergraduate students, the amount of student loans they can receive annually is $ 50,000.

- RISLA;

The student loans limit is determined based on the deduction of the financial aid you receive from the school – certified attendance cost. The annual amount of student loans that students can receive from RISLA is $ 45,000.

- Prodigy Finance;

The amount of student loans that students can get from Prodigy Finance is $ 220,000.

- Sallie Mae;

The student loans limit is determined depending on the attendance cost of the school certified. You can get **student loans** up to 100% of the entire cost.

- SoFi;

Öğrenci kredileri limiti, sertifikalı okula devam maliyetine bağlı olarak belirlenir.

- SunTrust Özel Seçim ve SunTrust Başlat;

Öğrenci kredileri limiti, okul sertifikalı devam maliyetinden aldığınız finansal yardımın kesilmesine bağlı olarak belirlenir. SunTrust Custom Choice’tan öğrencilerin alabileceği maksimum öğrenci kredisi miktarı 65.000 ABD Doları ve toplamda alabilecekleri öğrenci kredisi miktarı 150.000 ABD Doları’dır.

- Wells Fargo;

Diğer federal ve özel **öğrenci kredileri** dahil olmak üzere Wells Fargo’dan alabileceğiniz toplam öğrenci kredisi miktarı 120.000 ABD Dolarıdır.