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Office of Financial Aid

Division of Student Affairs

Federal, state, and institutional regulations limit the duration/amount of eligibility for certain types of financial aid. It is important that each student know and understand these limits.

 

Federal Direct Stafford Loans

Class Annual Limits Lifetime Aggregate Limits
Subsidized Unsubsidized Subsidized Unsubsidized
 For dependent students with NO PLUS Loan denial Additional for independent students -OR- dependent students WITH a PLUS Loan denial   For dependent students with NO PLUS Loan denial  Additional for independent students -OR- dependent students WITH a PLUS Loan denial
 Freshman 3500 2000 6000 23,000 8,000 34,500
Sophomore 4500 2000 6000
Junior 5500 2000 7000
Senior 5500 2000 7000
Graduate N/A 20,500  N/A 138,500

 

Federal Perkins Loans

*NOTE: These loans have a limited availability.

Class Annual Limits Lifetime Aggregate Limits
Undergraduate 5500 11,000 Not completed two academic years of undergraduate work.
Undergraduate 5500 27,500 Completed two academic years and pursuing Bachelor’s Degree.
Graduate 8000 60,000 Including loans borrowed as an undergraduate student.

 

Federal Direct Parent and Grad PLUS Loans:

Eligibility and limitations for PLUS loans are based on credit decisions made by Direct Lending and each student's Cost of Attendance Budget

 

Pell Grant

The duration of a student’s eligibility to receive a Federal Pell Grant is 12 full-time semesters (or its equivalent). Pell Grant is available to ETSU Undergraduate Students only.

 

Tennessee Student Assistance Award

Award recipients at ETSU may receive TSAA awards for a maximum of 8 semesters or until the program of study is complete (whichever comes first).

 

Tennessee Education Lottery Scholarship

If you initially received a TELS award before the 2009 fall term you can receive a TELS award until the first of the following occurs:

  • You earn a baccalaureate degree
  • Five years have passed since you initially enrolled at any postsecondary institution

If you initially received a TELS award in the 2009 fall term or thereafter you can receive a TELS award until the first of the following occurs:

  • You earn a baccalaureate degree
  • Five years have passed since you initially enrolled at any postsecondary institution
  • You have attempted 120 lottery scholarship hours

 

Maximum Eligibility

According to the ETSU Financial Aid Satisfactory Academic Progress Policy:

"Maximum eligibility is reviewed each semester. If a student has attempted enough hours to graduate, and has not graduated, a warning email will be sent to the student at their GoldMail address, reminding them of maximum eligibility standards. Students who have attempted 150% of the required credit hours for their degree will become ineligible for financial aid."

NOTE: 2nd degree students and Undergraduate/Graduate Special students have different maximum eligibility requirements. Please review the ETSU SAP Policy.

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