Loan reduction estimator by grade
Estimate your loan eligibility by grade level and dependency status for 2026-2027.
Choose your grade level and dependency status, then enter your registered credits for each term. The estimate updates as you make changes.
Fall 2026
Spring 2027
Not sure if you're dependent or independent? View
Estimated Loan Amounts After Reduction
| Federal Direct Loan (Combined) | Fall 2026 | Spring 2027 | Total |
|---|---|---|---|
| Reduced Loan Amount | $0 | $0 | $0 |
How reduction works: If you are registered for 12 or more credits in a term, that term's loan is not reduced. If you are registered for fewer than 6 credits in a term, you are not eligible for a loan that term. Changes to enrollment will affect loan amounts.
Amounts shown are estimates only and may differ from your actual award. Your actual disbursement will have a loan fee deducted by the U.S. Department of Education (currently 1.057%). Review and other information.