Pro-Rata Federal Loan Calculator

Calculate prorated limits under RISE NPRM §685.203(m)(1)

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Student Profile

Degree Level

Dependency Status

Grade Level

Subsidized Loan Amount

Exceeds the maximum subsidized amount of for this grade level.

Unsubsidized Loan Amount

Parent PLUS loan denied

Legacy borrower (Grad PLUS eligible)

Cost of Attendance

Must be greater than $20,500 (the base unsubsidized limit).

Academic Year Structure

Number of Enrollment Periods

Period 1

Credits Enrolled ⓘ The number of credits the student is enrolled in.

Full-Time Credits ⓘ The number of credits required to qualify as full-time.

Period 2

Credits Enrolled ⓘ The number of credits the student is enrolled in.

Full-Time Credits ⓘ The number of credits required to qualify as full-time.

Period 3

Credits Enrolled ⓘ The number of credits the student is enrolled in.

Full-Time Credits ⓘ The number of credits required to qualify as full-time.

Period 4

Credits Enrolled ⓘ The number of credits the student is enrolled in.

Full-Time Credits ⓘ The number of credits required to qualify as full-time.

Use this if a student dropped credits after a term's disbursement.

Period 1 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Unsub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Grad PLUS Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Period 2 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Unsub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Grad PLUS Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Period 3 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Unsub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Grad PLUS Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Period 4 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Unsub Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prior Grad PLUS Disbursed ($) ⓘ If left empty, assumes the full calculated amount was disbursed.

Prorated Loan Limits

Annual Enrollment
Annual Eligibility (Subsidized)
Annual Eligibility (Unsubsidized)
Annual Eligibility (Grad PLUS)

Term	Enrolled	FT Std	Uncapped %	Capped %	Disbursement %	Status	Sub	Unsub	Grad PLUS











Total

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This tool reflects the NPRM issued January 30, 2026. Final regulations may differ significantly. This is not legal or compliance advice.