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Undergraduates may borrow as a lot as $5,500 in Perkins funds every year with a complete amount not exceeding $27,500 [source: Federal Pupil Aid]. Stafford borrowers might borrow $5,500 in the primary 12 months, $6,500 within the second yr and $7,500 within the third and fourth years [source: Federal Pupil Aid]. Unbiased undergraduate college students qualify for even increased loan quantities. Extra Stafford and Perkins loans, with higher annual borrowing limits, can be found to graduate and professional college students.