Grad students are eligible to borrow up to $20,500 in unsubsidized federal loans each academic year. Unsubsidized federal loans start accruing interest while you're in school, whereas subsidized federal loans won't accrue interest until the end of your deferment period. You'll need to apply for the FAFSA® to check your eligibility for graduate federal loans. Your school determines the actual loan amount you'll be able to borrow.
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