Pro-Rata Federal Loan Calculator

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

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Student Profile

Dependency Status

Grade Level

Subsidized Loan Amount

Parent PLUS loan denied

Academic Year Structure

Number of Enrollment Periods

Period 1

Full-Time Credits

Credits Enrolled

Period 2

Full-Time Credits

Credits Enrolled

Period 3

Full-Time Credits

Credits Enrolled

Period 4

Full-Time Credits

Credits Enrolled

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

Period 1 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($)

Prior Unsub Disbursed ($)

Period 2 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($)

Prior Unsub Disbursed ($)

Period 3 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($)

Prior Unsub Disbursed ($)

Period 4 enrollment changed after disbursement

Actual Final Credits

Prior Sub Disbursed ($)

Prior Unsub Disbursed ($)

Prorated Loan Limits

Annual Enrollment
Annual Eligibility (Subsidized)
Annual Eligibility (Unsubsidized)

Term	Enrolled	FT Std	Pct	Status	Sub	Unsub








Total

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

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