Temple University cherry "T" logo

Student Financial Services

Search Keywords

Graduate Student Loans

Unsubsidized Loans

Unsubsidized loans are offered to eligible undergraduate, graduate, and professional students. These loans do not require students to demonstrate financial need, but you must file the FAFSA, meet all eligibility requirements for federal aid, and be enrolled at least half-time (4.5 credits).

Interest is charged beginning the day the loan is paid to you until the day the loan is repaid in full. You either may choose to pay the accumulated interest while you are in school, or to have the unpaid interest capitalized; i.e., added to the principal balance of the loan. NOTE: If your loan interest is capitalized, it will increase the amount you have to repay.

Students can make adjustments to their accepted Unsubsidized Loan by completing the Graduate Loan Change Form and submitting to SFS. Students can also make changes to a single semester's loans via the Single-Semester Loan Change Form. 

There are limits to when and how we can adjust loans. Please review the specific dates on the individual loan forms and on Financial Aid Deadlines Policy webpage.

Graduate Loan Information

Graduate (M.A., M.S., M.B.A., M.Ed., etc.)

Allopathic medicine and other graduate students in certain health professions (This is specific to PharmD, D.D.S, D.M.D, M.D, D.P.M., D.C., D.C.M., J.D., LL.B., O.D., D.O., D.P., Pod.D., M.Div., M.H.L., Psy.D, or the Clinical Psychology PhD. programs)

Maximum total debt from Subsidized and Unsubsidized Loans

Annual limit of $20,500 with an overall aggregate limit of $157,500. No more than $65,500 of this amount may be in subsidized loans. The overall debt limit includes all federal loans received for undergraduate study. Graduate students may borrow no more than $100,000 in graduate-level federal loans.

Annual limit of $50,000 with an overall aggregate limit of $257,500 - No more than $65,500 of this amount may be in subsidized loans. The overall debt limit includes all federal loans received for undergraduate study and all prior graduate-level unsubsidized loans. Professional students may borrow no more than $200,000 in graduate-level federal loans.

Graduate Fixed Interest Rate

8.07% (for loans first disbursed on or after 7/1/26 and before 7/1/27) and 7.94% (for loans first disbursed on or after 7/1/25 and before 7/1/26)

8.07% (for loans first disbursed on or after 7/1/26 and before 7/1/27) and 7.94% (for loans first disbursed on or after 7/1/25 and before 7/1/26)

Origination Fees - For example, the fee on a $20,500 unsubsidized loan will be $216.

1.057%

1.057%

Aggregate and Annual Limit Changes

The One Big Beautiful Bill Act (OB3, 2025) is implementing limits on how much graduate and professional students may borrow annually and over their academic career. See below for the new limits.

Graduate Loan Information

Graduate (M.A., M.S., M.B.A., M.Ed., etc.)

Allopathic medicine and other graduate students in certain health professions (This is specific to PharmD, D.D.S, D.M.D, M.D, D.P.M., D.C., D.C.M., J.D., LL.B., O.D., D.O., D.P., Pod.D., M.Div., M.H.L., Psy.D, or the Clinical Psychology PhD. programs)

Maximum total debt from Subsidized and Unsubsidized Loans

Annual limit of $20,500 with an overall aggregate limit of $157,500. No more than $65,500 of this amount may be in subsidized loans. The overall debt limit includes all federal loans received for undergraduate study. Graduate students may borrow no more than $100,000 in graduate-level federal loans.

Annual limit of $50,000 with an overall aggregate limit of $257,500 - No more than $65,500 of this amount may be in subsidized loans. The overall debt limit includes all federal loans received for undergraduate study and all prior graduate-level unsubsidized loans. Professional students may borrow no more than $200,000 in graduate-level federal loans.

Graduate Fixed Interest Rate

8.07% (for loans first disbursed on or after 7/1/26 and before 7/1/27) and 7.94% (for loans first disbursed on or after 7/1/25 and before 7/1/26)

8.07% (for loans first disbursed on or after 7/1/26 and before 7/1/27) and 7.94% (for loans first disbursed on or after 7/1/25 and before 7/1/26)

Origination Fees - For example, the fee on a $20,500 unsubsidized loan will be $216.

1.057%

1.057%