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How to Apply For Installment Loans Online Stafford Loans are available for undergraduate and graduate studies, with a maximum yearly award of $20,500 per graduate student.ĐÂ Undergraduate students who include parental information on their FAFSA are considered “dependent” students.ĐÂ If you are an “independent” student, yourparents’ income is not factored into your FAFSA, and your annual Stafford Loan limits are higher. Better Than a Payday Loan By Far!