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.
| 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 | ||
*NOTE: FEDERAL PERKINS LOAN PROGRAM ENDED SEPTEMBER 30, 2017
If you have received a Perkins Loan in the past and have questions, please contact ECSI Federal Perkins Loan Servicer.
You may also contact the ETSU Bursar’s Office at 423-439-4212, or Bursar@etsu.edu
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
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
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.