Considering returning to school? Here are some facts that may help you determine if returning to school is right for you:

  • Generally, if you are over the age of 24, your loan eligibility is substantially higher than the traditional undergraduate student.
  • You only need to enroll for a minimum of 6 credits to receive most financial aid.
  • You may request a budget adjustment to help cover the costs for daycare and a computer purchase.
  • If you are returning to school due to unemployment, we may be able to adjust your aid eligibility based on a change in income.

If you borrowed loans at a previous institution, keep in mind:

  • Your annual undergraduate loan limits as an independent student are $9,500 as a first year student, $10,500 as a second year student, and $12,500 as a third year student and above.
  • Your aggregate (total) loan limit for undergraduate study is $57,500.
  • Loans qualify for an in-school deferment as long as you are enrolled at least half time.

Helpful Websites:

In order to successfully complete a FAFSA and log into federal websites, you’ll need to create an FSA ID and password. You can do that here.

Complete your application for federal student aid at

If you’re not ready to complete your FAFSA but would like to estimate your eligibility, try the FAFSA4caster. Click on the appropriate box under “Thinking About College?”

Not sure of what you have borrowed to date? Log in at to view your dashboard and see your current loan totals, your lenders, and their contact information.