This document provides instructions for completing a Direct Loan limit warning by reviewing a student's financial aid history and calculating their aggregate loan limits. Key steps include: logging into NSLDS to view loan histories; saving loan history pages as PDFs; reviewing comments on existing warnings; calculating subsidized and unsubsidized loan totals by dependency status and level; updating aggregate totals in the system; reviewing awards to ensure they don't exceed limits; and adding comments on warnings. Special cases like medical loans, students near limits, and consolidated loans may require modified calculations.

1. Direct Loan
Limit Warning

2. Claim Worklist Item
Go to “PendingWorklist” screen and select “claim next item” for DL LimitWarning.

3. NSLDS
▪ Log into NSLDS
▪ Enter SSN, DOB and
student name from
the work list item
detail screen.

4. Save NSLDS Sheet as PDF
Place student’s ASU ID in the SSN
field of the NSLDS Loan History
Page
Right click to open dialog box
Select Print and change the printer
destination to “Save as PDF”
Save to S drive in the NSLDS
Aggregates Folder for the correct
aid year with the student’s ASU ID
as the file name
(S:loansNSLDSAggregate
sheets)

5. Review File
▪ Go to the “View Financial Aid Status” screen.
▪ Enter the student’s 10-digit Employee ID in the “ID” field and
applicable aid year.
▪ Review the “Comments” field for any pertinent information
regarding previously completed DL Limit Warnings.

6. Calculate Aggregates
▪ Calculate aggregate totals based on
dependency status and grade level.
▪ On the NSLDS loan history screen,
review the loan totals.
▪ Note if the student has undergraduate and
graduate loans
▪ Note the totals showing however, they may
be inaccurate.You will need to add the totals
for individual loans for both subsidized and
unsubsidized in Loan Detail to get an
accurate accounting of aggregate loan
amounts.

7. Calculate Aggregates(continued)
Use the following guidelines to calculate the total amount of subsidized and
unsubsidized loans:
 Use the Agg OPB to determine loan totals.
 Do not include ASU’s current aid year loans if calculating for the current academic
year.
 Calculate undergraduate and graduate loans separately by reviewing the “Acad.
Lv” field. (Grad loans are designated by a letter, undergrad loans are designated by
a number)
▪ Include both FFEL and Direct loans in the sub and unsub totals.
▪ Include “SLS” loans in the unsubsidized totals.
▪ For graduate students, total the undergraduate and graduate loans together for a
total aggregate loan amount.

8. Dependent Undergrad
▪ When calculating dependent
aggregates, make note of any
unsubsidized denial funds that
are received and total them
separately.
▪ Unsubsidized denial funds (Add.
Unsub) do not count against
dependent aggregate limits.
AggregateTotals
Subsidized: $5500
Unsubsidized: $2000
Unsubsidized Denial: $5000
NOTE: If the student is a dependent student, review the “Add. Unsub” field for a “P.”This signifies one or more of the
unsubsidized loans for that term year is an unsubsidized PLUS denial loan.These are calculated separately. NSLDS will
mark both the unsubsidized loans and the unsubsidized PLUS denial with a “P” in the “Add. Unsub” field.These loans may
be combined together into one unsubsidized loan – you will need to calculate how much of the loan is unsubsidized PLUS
denial and how much is a standard unsubsidized loan based upon annual loan limits.

9. Calculate Aggregates
Independent Undergrad
▪ Calculate totals for all
subsidized and
unsubsidized loans
separately.
AggregateTotals
Subsidized: $6000
Unsubsidized: $2000

10. Calculate Aggregates
Graduate Students
▪ Calculate totals for all
undergraduate and graduate
subsidized and unsubsidized
loans separately.
▪ Combine undergraduate totals
with graduate to determine
life time aggregate totals.
Undergrad
Subsidized: $5500
Unsubsidized: $11527
Grad
Subsidized: $8500
Unsubsidized: $10000
Lifetime AggregateTotal
Subsidized: $14000
Unsubsidized: $21527

11. Calculate Aggregates
Post Bac Students
▪ Calculate totals for all undergraduate
and graduate subsidized and
unsubsidized loans separately.
▪ Use undergraduate totals to determine
remaining undergraduate eligibility
subtracting graduate loans.
Lifetime AggregateTotal
Subsidized: $20500
Unsubsidized: $23000
Undergrad
Subsidized: $3500
Unsubsidized: $3000
Grad
Subsidized: $17000
Unsubsidized: $20000

12. Update Incoming Aggregates
Go to the “Update Incoming Aggregates” screen in PeopleSoft. Select the override box to make changes.
Dependency
Status/Career
CalculatedTotals to
Include
Dependent Undergrad
Subsidized and Unsubsidized.
Do not include unsub denial funds
in unsubsidized totals.
IndependentUndergrad
All Subsidized and Unsubsidized.
Graduate
All Undergraduate and Graduate
Subsidized and Unsubsidized.
Post Bac
Undergraduate Subsidized and
Unsubsidized.
Do not include grad loans in totals.

13. Review Awards
▪ Go to “Assign Awards” screen in Peoplesoft.
▪ Ensure that the current awards will not place the student over their
aggregate limit.
▪ Validate and Post awards.

14. Comments
Direct Loan Limit
Reached Aggregates
Aggregate Limit Warning-
Student has reached total
undergraduate aggregate limit of
$57,500. No remaining
undergraduate eligibility. Current
borrowing: $23,000
undergraduate subsidized,
$34,500 undergraduate
unsubsidized.
Aggregate Limit Warning-
Student has reached total lifetime
aggregate limit of $138,500. No
remaining undergraduate or graduate
eligibility. Current borrowing: $65,500
subsidized, $73,000 unsubsidized.
Aggregate Limit Warning- Student
has reached total dependent
aggregate limit of $31,000. Only
unsubsidized denial funds remain.
Current borrowing: $23,000
subsidized, $8,000 unsubsidized
and $ unsubsidized denial funds.
Direct Loan Limit
Warning Review
Direct Loan Limit Warning
Review- Current borrowing: $
undergraduate subsidized, $
undergraduate unsubsidized. The
subsidized and unsubsidized
totals do not include this year's
loans. Student has remaining $
sub and $ unsub undergraduate
loan eligibility.
Direct Loan Limit Warning Review-
Student is not over aggregate limit
because of $ in unsubsidized denial
monies. Current borrowing: $
undergraduate subsidized, $
undergraduate unsubsidized. The
subsidized and unsubsidized totals do
not include this year's loans. Student
has remaining $ undergraduate
dependent loan eligibility.
Direct Loan Limit Warning Review-
Student is not over aggregate
limit. Current borrowing: $
subsidized, $ unsubsidized. The
subsidized and unsubsidized totals
do not include this year's loans.
Student has remaining $ unsub
eligibility.
Direct Loan Limit Warning Review-
Student is not over aggregate limit
due to current graduate loan
borrowing: $ subsidized, $
unsubsidized graduate loans.
Current undergraduate borrowing:
$ undergraduate subsidized, $
undergraduate unsubsidized.
Student has remaining $ sub and $
unsub undergraduate loan
eligibility. The subsidized and
unsubsidized totals do not include
this year's loans.

15. Special Cases
▪ Medical Loans (HEAL):The medical lifetime loan aggregate
($224,000) is higher than non-medical loans ($138,000). Calculate
HEAL Loans separately and subtract from total loans to determine
remaining non-medical loan eligibility.
▪ Nearing AggregateTotals: If a student is within $200 of their Sub
aggregate limit or total aggregate limit you will need to inflate the
student‘s Sub to $23000 or the student’s total to $57500 in order to
prevent awarding over the applicable aggregate limit.
▪ Consolidated Loans: If a student has consolidated their loans we may
need to manually calculate the totals in order to determine loan
eligibility as additional loans such as Perkins may be included in the
consolidation and should not be included in the aggregate totals.