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On July 6, 2012 the President signed into law the Moving Ahead for Progress in the 21st Century Act (MAP 21).  This law places a limit on Direct Subsidized loan eligibility for new borrowers on or after July 1, 2013.  A first-time borrower is no longer eligible for Direct Subsidized loans once the borrower has received Direct Subsidized loans for a period of 150% of the length of the borrower's educational program.  The borrower also becomes responsible for accruing interest during all periods as of the date the borrower exceeds the 150 percent limit. For detail information on 150% Loan Limit visit Time Limitation on Direct Subsidized Loan Eligibility For Fist Time Borrowers

A first-time borrower is a borrower who has no outstanding balance of principal or interest on a Direct Loan or FFEL loan on July 1, 2013.  Borrowers who had a loan balance which has been paid in full prior to receiving loans after July 1, 2013 becomes a first-time borrower. For more information visit and refer to the header Is there a time limit on how long I can receive loans?


New federal regulations effective 2012/13 limit receiving the Pell Grant to 6 years of full time eligibility. It is prorated for part time students. It includes all Pell Grant received prior to 2012/13 so some students may not be eligible for 2012/13. View your financial aid history at NSLDS. See your Pell Lifetime Eligibility Used Percentage on NSLDS. For future questions, please speak with your Financial Aid Advisor or refer to


For recipients of Pell Grant and other scholarships, the process for claiming education-related tax credits, is particularly complex and results in many eligible students and parents (if the student is a dependent) foregoing tax credits for which they qualify. Under current law, a student may choose whether to allocate the Pell Grant and other scholarships to tuition, fees and course related materials or to living expenses when filing a tax return. If the student allocates his/her Pell Grant or other scholarships to tuition and fees, the scholarship reduces the amount of expenses eligible to be used to claim education-related tax credits. 

For detail information visit or download the Tax Credits Fact Sheet at

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