Beginning on July 1, 2026 students enrolled less than full-time will not qualify for the full annual loan limit.  Federal Direct student loan (Subsidized/Unsubsidized) eligibility will be prorated based on the number of credits in which they are enrolled. 

Full-time enrollment is defined as 12 credits for undergraduate students and 9 credits for graduate students.  

_{Disclaimer: While the U.S. Department of Education has not yet released final implementation guidance, the University of Rhode Island is monitoring federal updates closely and will revise this page as additional information becomes available. Details below are based on current rules and may change based on federal guidance.}

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