Federal student aid beyond Pell (FSEOG grants, Federal Work-Study and Direct Subsidized Loans from the same FAFSA): who qualifies, what you get, how to apply, and what happens next
The FAFSA that opens the Pell Grant also opens three more federal programs: the FSEOG grant ($100 to $4,000 a year), Federal Work-Study jobs, and Direct Subsidized Loans whose interest the government pays while the student is in school. FSEOG and Work-Study are limited funds handed out by each school, so the school's own deadline matters. Apply by filing the FAFSA at StudentAid.gov.
What federal student aid beyond Pell is, in one paragraph
The FAFSA is one application for several federal programs. Besides the Pell Grant it opens the Federal Supplemental Educational Opportunity Grant (FSEOG), a grant for undergraduates with exceptional need; Federal Work-Study, a part-time job paid at least the federal minimum wage; and Direct Subsidized Loans, on which the government pays the interest while the student is in school at least half-time. FSEOG and Work-Study are campus-based: each school gets a fixed amount each year and hands it out until it runs out, so filing early and meeting the school's own deadline decide who gets them.
$100 to $4,000
the FSEOG grant per year, by need and the school's funds (U.S. Department of Education, rule:fseog_amount)
Who may qualify
FSEOG: undergraduates with exceptional financial need at a participating school (rule:fseog_who). Work-Study: undergraduate, graduate and professional students with financial need, full-time or part-time (rule:fws_who). Direct Subsidized Loans: undergraduates with financial need; the loan may not exceed the need (rule:sub_who). All three follow the basic federal aid rules (rule:basic_eligibility) and the need formula: cost of attendance minus the Student Aid Index (rule:need_formula).
Loan limits for undergraduates, unchanged after 1 July 2026 (rule:annual_limits_dependent, rule:annual_limits_independent, rule:aggregate_limits):
Year
Dependent: total (subsidized max)
Independent: total (subsidized max)
First year
$5,500 ($3,500)
$9,500 ($3,500)
Second year
$6,500 ($4,500)
$10,500 ($4,500)
Third year and beyond
$7,500 ($5,500)
$12,500 ($5,500)
Aggregate
$31,000 ($23,000)
$57,500 ($23,000)
Item
Value
Rule
FSEOG per year
$100 to $4,000
rule:fseog_amount
Undergraduate loan rate, 1 Jul 2026 to 30 Jun 2027
6.52% fixed
rule:rate_2026_27
Loan fee
1.057%
rule:loan_fee
Grace period
6 months
rule:grace_period
Repayment
10 to 30 years
rule:repayment_term
Direct PLUS Loans for graduate borrowers are no longer available (rule:grad_plus_ended).
How to apply, and what happens after
File the FAFSA. The school builds an aid offer from it. Campus-based funds go first-come, so the school's own deadline matters (rule:campus_deadlines).
Stage
What happens
Who acts
What loses people the aid
Apply
FAFSA, every year (rule:annual_fafsa)
Student and contributors
Filing after the school's campus-based deadline
Offer
FSEOG, Work-Study and loans appear in the aid offer
Financial aid office
Funds already spent (rule:fseog_funds_limited)
Accept a loan
Entrance counseling and a Master Promissory Note (rule:accept_loan)
Student
Accepting more than needed; a loan can be cancelled before disbursement (rule:cancel_loan)
Work
A work-study job, paid at least monthly, capped at the award (rule:fws_pay, rule:fws_cap)
Student and employer
Not finding a job before the term
After school
Six-month grace period, then repayment (rule:grace_period)
Loan servicer
Not knowing the servicer
The procedure, stage by stage, as data
JSONThe procedure, stage by stage, as data
[13 items
{10 keys
"id": "stage:discover",
"order": 1,
"name": "Discover",
"what_happens": "Student learns that the FAFSA also opens FSEOG, Work-Study and subsidized loans, and that campus-based funds run out",
"who_acts": "Student / school",
"timeline": "Before the school's campus-based deadline",
"evidence": "None",
"failure_mode": "Filing late after funds are gone",
"model_role": "Name the school's deadline as the first fact to find",
"automation_class": "A"
},{10 keys
"id": "stage:screen_eligibility",
"order": 2,
"name": "Screen eligibility",
"what_happens": "Undergraduate or graduate, dependency status, year in school, need",
"who_acts": "Model + student",
"timeline": "Minutes",
"evidence": "Enrollment, dependency, year",
"failure_mode": "Confusing subsidized with unsubsidized loans",
"model_role": "Separate the three programs and their rules",
"automation_class": "A"
},{10 keys
"id": "stage:gather_documents",
"order": 3,
"name": "Gather documents",
"what_happens": "FSA ID for student and contributors; tax data",
"who_acts": "Student and contributors",
"timeline": "Before filing",
"evidence": "FSA ID, tax return",
"failure_mode": "A missing contributor",
"model_role": "List the items",
"automation_class": "A"
},{10 keys
"id": "stage:complete_application",
"order": 4,
"name": "Complete application",
"what_happens": "FAFSA with consent to federal tax data",
Those connections are not written here by hand. They are read from the California benefits graph, the object that holds all 80 programs, the life events that trigger them and the facts they share. A model screening you for FSEOG, Work-Study and subsidized loans sees the same edges.
What this article shares with the graph
JSONWhat this article shares with the graph
{6 keys
"program_id": "B075",
"graph": "california-benefits-graph",
"related_program_ids": [5 items
"B055",
"B056",
"B057",
"B061",
"B054"
],"related_programs": {5 keys
"B055": "Federal Pell Grant",
"B056": "Cal Grant A / B / C",
"B057": "California College Promise Grant (fee waiver) + College Promise (AB 19/AB 2)",
"B061": "Extended Foster Care (AB 12) + Chafee grants",
Staying Eligible: satisfactory academic progress appeals — U.S. Department of Education, Federal Student Aid“reasons for appeal usually include the death of a member of your family, your illness or injury, or other special circumstances”
Staying Eligible — U.S. Department of Education, Federal Student Aid“continue to apply throughout the time”
How Aid Is Calculated — U.S. Department of Education, Federal Student Aid“They subtract your SAI from your COA to determine the amount of your financial need”
Federal Supplemental Educational Opportunity Grant — U.S. Department of Education, Federal Student Aid“A Federal Supplemental Educational Opportunity Grant (FSEOG) is a grant for undergraduate students with exceptional financial need.”
FSEOG: award amount — U.S. Department of Education, Federal Student Aid“You can receive between $100 and $4,000 a year”
FSEOG: limited school funds — U.S. Department of Education, Federal Student Aid“no more FSEOG awards can be made for that year”
FSEOG: school deadlines — U.S. Department of Education, Federal Student Aid“Each school sets its own deadlines for campus-based funds.”
FSEOG: annual FAFSA — U.S. Department of Education, Federal Student Aid“Your institution will award the FSEOG each year based on that eligibility”
Federal Work-Study — U.S. Department of Education, Federal Student Aid“Federal Work-Study provides part-time jobs for students with financial need”
Federal Work-Study: pay — U.S. Department of Education, Federal Student Aid“earn at least the current federal minimum wage”
Federal Work-Study: hours — U.S. Department of Education, Federal Student Aid“exceed your total Federal Work-Study award”
Direct Subsidized and Unsubsidized Loans — U.S. Department of Education, Federal Student Aid“Direct Subsidized Loans are available to undergraduate students with financial need.”
Loan limits: aggregate — U.S. Department of Education, Federal Student Aid“$31,000 (not more than $23,000 can be subsidized)”
Loan limits: graduate PLUS — U.S. Department of Education, Federal Student Aid“Direct PLUS Loans for graduate borrowers are no longer available.”
Interest rates 2026-27 — U.S. Department of Education, Federal Student Aid“Interest Rates for Direct Loans First Disbursed on or After July 1, 2026, and Before July 1, 2027”
{
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"slug":"california-federal-student-aid-beyond-pell",
"title":"Federal student aid beyond Pell (FSEOG grants, Federal Work-Study and Direct Subsidized Loans from the same FAFSA): who qualifies, what you get, how to apply, and what happens next",
"kind":"procedure",
"summary":"The FAFSA that opens the Pell Grant also opens three more federal programs: the FSEOG grant ($100 to $4,000 a year), Federal Work-Study jobs, and Direct Subsidized Loans whose interest the government pays while the student is in school. FSEOG and Work-Study are limited funds handed out by each school, so the school's own deadline matters. Apply by filing the FAFSA at StudentAid.gov.",
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"measured_at":"2026-10-09T14:00:00Z",
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"Federal Work-Study",
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"work-study",
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"subsidized Stafford loan",
"campus-based aid"
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"schema_version":"jarticle/1 + benefit-article/1 (these facts)"
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"procedure": {
"id":"proc:apply_fsa_beyond_pell_ca",
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"program_id":"B075",
"authority":"U.S. Department of Education (Federal Student Aid) and the financial aid office of the school the student attends",
"outcome":"an FSEOG grant, a work-study job award and/or a Direct Subsidized Loan in the school's aid offer",
"apply_at":"https://studentaid.gov/h/apply-for-aid/fafsa",
"stages": [
{
"id":"stage:discover",
"order":1,
"name":"Discover",
"what_happens":"Student learns that the FAFSA also opens FSEOG, Work-Study and subsidized loans, and that campus-based funds run out",
"who_acts":"Student / school",
"timeline":"Before the school's campus-based deadline",
"evidence":"None",
"failure_mode":"Filing late after funds are gone",
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"automation_class":"A"
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{
"id":"stage:screen_eligibility",
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"what_happens":"Undergraduate or graduate, dependency status, year in school, need",
"who_acts":"Model + student",
"timeline":"Minutes",
"evidence":"Enrollment, dependency, year",
"failure_mode":"Confusing subsidized with unsubsidized loans",
"model_role":"Separate the three programs and their rules",
"automation_class":"A"
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{
"id":"stage:gather_documents",
"order":3,
"name":"Gather documents",
"what_happens":"FSA ID for student and contributors; tax data",
"who_acts":"Student and contributors",
"timeline":"Before filing",
"evidence":"FSA ID, tax return",
"failure_mode":"A missing contributor",
"model_role":"List the items",
"automation_class":"A"
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{
"id":"stage:complete_application",
"order":4,
"name":"Complete application",
"what_happens":"FAFSA with consent to federal tax data",
"who_acts":"Student and contributors",
"timeline":"Minutes",
"evidence":"Tax data by transfer",
"failure_mode":"Missing consent (rule:tax_consent)",
"model_role":"Explain each question",
"automation_class":"B"
},
{
"id":"stage:submit",
"order":5,
"name":"Submit",
"what_happens":"FAFSA submitted; school receives it",
"who_acts":"Student",
"timeline":"As early as possible",
"evidence":"Submission confirmation",
"failure_mode":"Filing after the school's deadline",
"model_role":"Give the exact address",
"automation_class":"B"
},
{
"id":"stage:interview_verification",
"order":6,
"name":"Interview / verification",
"what_happens":"School may verify FAFSA data",
"who_acts":"Financial aid office",
"timeline":"Set by the school",
"evidence":"Requested documents",
"failure_mode":"Unanswered requests",
"model_role":"Track requests",
"automation_class":"C - the school's request and the person's documents"
},
{
"id":"stage:decision",
"order":7,
"name":"Decision",
"what_happens":"Aid offer lists FSEOG, Work-Study and loan amounts",
"who_acts":"Financial aid office",
"timeline":"Set by the school",
"evidence":"Aid offer",
"failure_mode":"Not reading the offer",
"model_role":"Explain the offer against the limits table",
"automation_class":"A"
},
{
"id":"stage:accept_loan",
"order":8,
"name":"Accept loan",
"what_happens":"Entrance counseling and Master Promissory Note for a first Direct Loan",
"who_acts":"Student",
"timeline":"Before disbursement",
"evidence":"Signed MPN",
"failure_mode":"Borrowing more than needed",
"model_role":"State rule:accept_loan and rule:cancel_loan",
"automation_class":"B"
},
{
"id":"stage:issuance_use",
"order":9,
"name":"Issuance / use",
"what_happens":"Loan and grant funds applied to the school account first; work-study paid as wages",
"who_acts":"School",
"timeline":"Each term / monthly",
"evidence":"Disbursement, pay",
"failure_mode":"Not finding a work-study job",
"model_role":"State rule:fws_pay",
"automation_class":"D"
},
{
"id":"stage:report_changes",
"order":10,
"name":"Report changes",
"what_happens":"Enrollment changes go to the financial aid office",
"who_acts":"Student",
"timeline":"When they happen",
"evidence":"Enrollment change",
"failure_mode":"Dropping below half-time without knowing it starts the grace period",
"model_role":"State rule:grace_period",
"automation_class":"A"
},
{
"id":"stage:renew_recertify",
"order":11,
"name":"Renew / recertify",
"what_happens":"File the FAFSA every year",
"who_acts":"Student",
"timeline":"Every year",
"evidence":"New FAFSA",
"failure_mode":"Missing a year",
"model_role":"State rule:annual_fafsa",
"automation_class":"B"
},
{
"id":"stage:appeal_fair_hearing",
"order":12,
"name":"Appeal / fair hearing",
"what_happens":"A student who loses aid for unsatisfactory progress may appeal if the school's policy allows it",
"who_acts":"Financial aid office",
"timeline":"Deadline set by the school (UNKNOWN)",
"evidence":"Documents of the circumstance",
"failure_mode":"Not appealing",
"model_role":"State rule:sap_appeal",
"automation_class":"B"
},
{
"id":"stage:overpayment_exit",
"order":13,
"name":"Overpayment / exit",
"what_happens":"After leaving school: six-month grace period, then 10 to 30 years of repayment",
"who_acts":"Loan servicer",
"timeline":"Six months after leaving",
"evidence":"Servicer notices",
"failure_mode":"Not knowing the servicer",
"model_role":"State rule:grace_period and rule:repayment_term",
"automation_class":"B"
}
],
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"stage:accept_loan",
"stage:issuance_use",
"stage:report_changes",
"stage:renew_recertify",
"stage:appeal_fair_hearing",
"stage:overpayment_exit"
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},
"rules": [
{
"id":"rule:fseog_who",
"kind":"categorical",
"text":"The Federal Supplemental Educational Opportunity Grant (FSEOG) is a grant for undergraduates with exceptional financial need, administered by each participating school's financial aid office. Not all schools participate.",
"jurisdiction":"US",
"source":"s_fsa_fseog",
"status":"verified 2026-10-09"
},
{
"id":"rule:fseog_amount",
"kind":"benefit",
"text":"FSEOG amount per year, depending on need, when the student applies, other aid, and the school's funds.",
"jurisdiction":"US",
"values_usd_annual": {
"minimum":100,
"maximum":4000
},
"source":"s_fsa_fseog_amt",
"status":"verified 2026-10-09"
},
{
"id":"rule:fseog_funds_limited",
"kind":"restriction",
"text":"Each school receives a fixed amount of FSEOG funds a year; once they are awarded, no more FSEOG awards can be made that year.",
"jurisdiction":"US",
"source":"s_fsa_fseog_funds",
"status":"verified 2026-10-09"
},
{
"id":"rule:campus_deadlines",
"kind":"deadline",
"text":"Each school sets its own deadline for campus-based funds (FSEOG and Federal Work-Study). Value: set by each school, UNKNOWN here.",
"jurisdiction":"US",
"source":"s_fsa_fseog_deadline",
"status":"verified 2026-10-09"
},
{
"id":"rule:annual_fafsa",
"kind":"renewal",
"text":"Eligibility for FSEOG is set by filing the FAFSA every year, and the school awards it each year on that basis.",
"jurisdiction":"US",
"source":"s_fsa_fseog_annual",
"status":"verified 2026-10-09"
},
{
"id":"rule:fws_who",
"kind":"categorical",
"text":"Federal Work-Study gives part-time jobs to undergraduate, graduate and professional students with financial need, full-time or part-time, at participating schools.",
"jurisdiction":"US",
"source":"s_fsa_fws",
"status":"verified 2026-10-09"
},
{
"id":"rule:fws_pay",
"kind":"benefit",
"text":"A work-study job pays at least the current federal minimum wage. Undergraduates are paid by the hour; the school pays at least once a month.",
"jurisdiction":"US",
"source":"s_fsa_fws_wage",
"status":"verified 2026-10-09"
},
{
"id":"rule:fws_cap",
"kind":"restriction",
"text":"Earnings cannot exceed the student's total Federal Work-Study award.",
"jurisdiction":"US",
"source":"s_fsa_fws_cap",
"status":"verified 2026-10-09"
},
{
"id":"rule:sub_who",
"kind":"categorical",
"text":"Direct Subsidized Loans are for undergraduates with financial need; the amount may not exceed the need.",
"jurisdiction":"US",
"source":"s_fsa_sub",
"status":"verified 2026-10-09"
},
{
"id":"rule:sub_interest",
"kind":"benefit",
"text":"On a Direct Subsidized Loan the U.S. Department of Education pays the interest while the student is in school at least half-time, for the first six months after leaving school, and during deferment.",
"jurisdiction":"US",
"source":"s_fsa_sub_interest",
"status":"verified 2026-10-09"
},
{
"id":"rule:annual_limits_dependent",
"kind":"benefit",
"text":"Annual loan limits for dependent undergraduates (subsidized plus unsubsidized), unchanged by the July 2025 law; the subsidized part is capped.",
"jurisdiction":"US",
"values_usd_annual": {
"first_year": {
"total":5500,
"subsidized_max":3500
},
"second_year": {
"total":6500,
"subsidized_max":4500
},
"third_year_and_beyond": {
"total":7500,
"subsidized_max":5500
}
},
"source":"s_fsa_limits_dep",
"status":"verified 2026-10-09"
},
{
"id":"rule:annual_limits_independent",
"kind":"benefit",
"text":"Annual loan limits for independent undergraduates (and dependent students whose parents cannot get a parent PLUS loan).",
"jurisdiction":"US",
"values_usd_annual": {
"first_year": {
"total":9500,
"subsidized_max":3500
},
"second_year": {
"total":10500,
"subsidized_max":4500
},
"third_year_and_beyond": {
"total":12500,
"subsidized_max":5500
}
},
"source":"s_fsa_limits_ind",
"status":"verified 2026-10-09"
},
{
"id":"rule:aggregate_limits",
"kind":"restriction",
"text":"Aggregate (lifetime) undergraduate loan limits, subsidized plus unsubsidized.",
"jurisdiction":"US",
"values_usd_total": {
"dependent_undergraduate": {
"total":31000,
"subsidized_max":23000
},
"independent_undergraduate": {
"total":57500,
"subsidized_max":23000
}
},
"source":"s_fsa_limits_agg",
"status":"verified 2026-10-09"
},
{
"id":"rule:grad_plus_ended",
"kind":"restriction",
"text":"Direct PLUS Loans for graduate borrowers are no longer available under the new limits (students eligible for the interim exception keep the earlier limits for a time).",
"jurisdiction":"US",
"source":"s_fsa_gradplus",
"status":"verified 2026-10-09"
},
{
"id":"rule:rate_2026_27",
"kind":"benefit",
"text":"Fixed interest rate for Direct Subsidized and Unsubsidized Loans to undergraduates first disbursed on or after 1 July 2026 and before 1 July 2027.",
"jurisdiction":"US",
"effective":"2026-07-01 to 2027-06-30",
"value_percent_interest":6.52,
"source":"s_fsa_rates_ug",
"status":"verified 2026-10-09 (Federal Student Aid, Federal Interest Rates and Fees; the period is stated in the table heading, source s_fsa_rates_period)"
},
{
"id":"rule:loan_fee",
"kind":"benefit",
"text":"Loan fee on Direct Subsidized and Unsubsidized Loans first disbursed on or after 1 October 2020, deducted from each disbursement.",
"jurisdiction":"US",
"value_percent_loan_fee":1.057,
"source":"s_fsa_fee",
"status":"verified 2026-10-09"
},
{
"id":"rule:accept_loan",
"kind":"procedure",
"text":"A first-time Direct Loan borrower completes entrance counseling and signs a Master Promissory Note.",
"jurisdiction":"US",
"source":"s_fsa_mpn",
"status":"verified 2026-10-09"
},
{
"id":"rule:cancel_loan",
"kind":"procedure",
"text":"Before the money is disbursed a student may cancel all or part of a loan at any time by notifying the school; after disbursement, within the time frames in the promissory note.",
"jurisdiction":"US",
"source":"s_fsa_cancel",
"status":"verified 2026-10-09"
},
{
"id":"rule:grace_period",
"kind":"timing",
"text":"Repayment begins after a six-month grace period after the student graduates, leaves school or drops below half-time.",
"jurisdiction":"US",
"value_months_grace":6,
"source":"s_fsa_grace",
"status":"verified 2026-10-09"
},
{
"id":"rule:repayment_term",
"kind":"timing",
"text":"Repayment generally runs 10 to 30 years depending on the plan.",
"jurisdiction":"US",
"values_years_repayment": {
"minimum":10,
"maximum":30
},
"source":"s_fsa_repay",
"status":"verified 2026-10-09"
},
{
"id":"rule:basic_eligibility",
"kind":"categorical",
"text":"Basic eligibility for federal student aid: financial need for need-based programs; U.S. citizen or eligible noncitizen; a valid Social Security number (with stated exceptions); enrolled or accepted as a regular student in an eligible degree or certificate program; satisfactory academic progress; and a signed FAFSA certification.",
"jurisdiction":"US",
"source":"s_fsa_elig",
"status":"verified 2026-10-09"
},
{
"id":"rule:tax_consent",
"kind":"procedure",
"text":"Every required FAFSA contributor (the student, a spouse, or parents) must consent to have federal tax information transferred directly into the FAFSA. Without that consent the student is not eligible for federal student aid, even if tax information is typed in by hand.",
"jurisdiction":"US",
"source":"s_fsa_elig_consent",
"status":"verified 2026-10-09"
},
{
"id":"rule:need_formula",
"kind":"income_test",
"text":"Financial need is the school's cost of attendance minus the Student Aid Index (SAI) computed from the FAFSA. The pages read state no fixed income ceiling for this program; the SAI decides.",
"jurisdiction":"US",
"source":"s_fsa_need",
"status":"verified 2026-10-09"
},
{
"id":"rule:sap_appeal",
"kind":"appeal",
"text":"To keep federal aid a student must make satisfactory academic progress under the school's own policy. The school's policy states whether a student may appeal a finding of unsatisfactory progress; reasons usually include a death in the family, illness or injury, or other special circumstances. Appeal deadline: set by each school, value UNKNOWN.",
"jurisdiction":"US",
"source":"s_fsa_sap",
"status":"verified 2026-10-09 (Federal Student Aid, Staying Eligible); the appeal deadline is set by each school and is not on the page"
},
{
"id":"rule:stay_eligible",
"kind":"reporting",
"text":"The basic eligibility criteria continue to apply for the whole time aid is received, not only when the FAFSA is filed. A change that breaks one of them (for example dropping out of an eligible program) ends eligibility.",
"jurisdiction":"US",
"source":"s_fsa_stay",
"status":"verified 2026-10-09"
}
],
"fiscal_year": {
"fiscal_year":"Award year 2026-27",
"effective":"2026-07-01 to 2027-06-30",
"source":"s_fsa_rates_period",
"area":"United States (all states)"
},
"fields": [
{
"field_id":"f:enrollment",
"canonical_fact":"education.enrollment.status",
"label":"Are you an undergraduate, graduate or professional student, and at least half-time",
"data_type":"enum",
"required":true,
"sensitivity":"personal",
"used_by_rules": [
"rule:fseog_who",
"rule:fws_who",
"rule:sub_who",
"rule:sub_interest"
]
},
{
"field_id":"f:dependency",
"canonical_fact":"education.fafsa.dependency_status",
"label":"Are you a dependent or independent student on the FAFSA",
"data_type":"enum",
"required":true,
"sensitivity":"personal",
"used_by_rules": [
"rule:annual_limits_dependent",
"rule:annual_limits_independent",
"rule:aggregate_limits"
]
},
{
"field_id":"f:year_in_school",
"canonical_fact":"education.enrollment.year_level",
"label":"Which year of study are you in",
"data_type":"enum",
"required":true,
"sensitivity":"personal",
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"## What federal student aid beyond Pell is, in one paragraph\n\nThe FAFSA is one application for several federal programs. Besides the Pell Grant it opens the Federal Supplemental Educational Opportunity Grant (FSEOG), a grant for undergraduates with exceptional need; Federal Work-Study, a part-time job paid at least the federal minimum wage; and Direct Subsidized Loans, on which the government pays the interest while the student is in school at least half-time. FSEOG and Work-Study are campus-based: each school gets a fixed amount each year and hands it out until it runs out, so filing early and meeting the school's own deadline decide who gets them.",
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"## Who may qualify\n\n**FSEOG**: undergraduates with exceptional financial need at a participating school (rule:fseog_who). **Work-Study**: undergraduate, graduate and professional students with financial need, full-time or part-time (rule:fws_who). **Direct Subsidized Loans**: undergraduates with financial need; the loan may not exceed the need (rule:sub_who). All three follow the basic federal aid rules (rule:basic_eligibility) and the need formula: cost of attendance minus the Student Aid Index (rule:need_formula).\n\nLoan limits for undergraduates, unchanged after 1 July 2026 (rule:annual_limits_dependent, rule:annual_limits_independent, rule:aggregate_limits):\n\n| Year | Dependent: total (subsidized max) | Independent: total (subsidized max) |\n|---|---|---|\n| First year | $5,500 ($3,500) | $9,500 ($3,500) |\n| Second year | $6,500 ($4,500) | $10,500 ($4,500) |\n| Third year and beyond | $7,500 ($5,500) | $12,500 ($5,500) |\n| Aggregate | $31,000 ($23,000) | $57,500 ($23,000) |\n\n| Item | Value | Rule |\n|---|---|---|\n| FSEOG per year | $100 to $4,000 | rule:fseog_amount |\n| Undergraduate loan rate, 1 Jul 2026 to 30 Jun 2027 | 6.52% fixed | rule:rate_2026_27 |\n| Loan fee | 1.057% | rule:loan_fee |\n| Grace period | 6 months | rule:grace_period |\n| Repayment | 10 to 30 years | rule:repayment_term |\n\nDirect PLUS Loans for graduate borrowers are no longer available (rule:grad_plus_ended).",
"## What the model on this page can do for you\n\nThis article is also the context of a model you can text or chat with. The buttons under the title open Messages with a note already written, or a chat on this page. The model has read this exact page: the rules above with their source ids, the procedure below, and the other programs the same facts open. It asks for one or two facts at a time, starting with your enrollment level and whether you are a dependent or independent student, tells you which rules you pass and which it cannot decide, names the programs you may also qualify for, and gives the exact next step. It has no tools: it cannot apply for you, and it says so. Every message is kept on this build's Ledger.\n\nA screening here is a screening, not a decision. Your school's financial aid office decides.",
"## How to apply, and what happens after\n\nFile the **[FAFSA](https://studentaid.gov/h/apply-for-aid/fafsa)**. The school builds an aid offer from it. Campus-based funds go first-come, so the school's own deadline matters (rule:campus_deadlines).\n\n| Stage | What happens | Who acts | What loses people the aid |\n|---|---|---|---|\n| Apply | FAFSA, every year (rule:annual_fafsa) | Student and contributors | Filing after the school's campus-based deadline |\n| Offer | FSEOG, Work-Study and loans appear in the aid offer | Financial aid office | Funds already spent (rule:fseog_funds_limited) |\n| Accept a loan | Entrance counseling and a Master Promissory Note (rule:accept_loan) | Student | Accepting more than needed; a loan can be cancelled before disbursement (rule:cancel_loan) |\n| Work | A work-study job, paid at least monthly, capped at the award (rule:fws_pay, rule:fws_cap) | Student and employer | Not finding a job before the term |\n| After school | Six-month grace period, then repayment (rule:grace_period) | Loan servicer | Not knowing the servicer |",
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"## The same facts open other programs\n\n- [[california-pell-grant]] (B055): the same FAFSA; Pell is paid to every eligible student.\n- [[california-cal-grant]] (B056): California's grant from the same FAFSA.\n- [[california-college-promise-grant]] (B057): the community college fee waiver.\n- [[california-extended-foster-care-chafee]] (B061): Chafee grants for current and former foster youth.\n- [[california-free-tax-preparation]] (B054): the FAFSA reads federal tax data.\n\nThose connections are not written here by hand. They are read from [[california-benefits-graph|the California benefits graph]], the object that holds all 80 programs, the life events that trigger them and the facts they share. A model screening you for FSEOG, Work-Study and subsidized loans sees the same edges.",
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"## How this page works\n\nThis page is one JSON object. The page, the Markdown and the machine copy at [/a/california-federal-student-aid-beyond-pell.json](https://miscsubjects.com/a/california-federal-student-aid-beyond-pell.json) are three views of it. Its `facts` carry the article's identity and jurisdiction, the procedure with its stages, every rule with its source id and verification status, the fields with their canonical fact names, the ontology edges into the benefits graph, the declared actions, the model's instructions, and the permissions the model has (none). The model's context is served separately at [/a/california-federal-student-aid-beyond-pell/context](https://miscsubjects.com/a/california-federal-student-aid-beyond-pell/context): the same object, projected for a model, so there is one source of truth for the reader and the machine.\n\nWhat is saved: a thread per phone number that texts, holding which articles it asked about, how many messages, and the facts it stated, so a person who comes back continues rather than restarts. Every message, in either direction, is a row on this build's Ledger.\n\nFigures carry their status in `facts.rules[].status`. Every figure on this page was read from the official pages listed under Official addresses on 9 October 2026. StudentAid.gov draws its pages in the browser from a JSON copy at the same address with `.json` added; this article cites those JSON copies because they hold the exact words. A value no official page states is written UNKNOWN.",
"## Official addresses\n\n- Apply: [the FAFSA at StudentAid.gov](https://studentaid.gov/h/apply-for-aid/fafsa)\n- [FSEOG](https://studentaid.gov/understand-aid/types/grants/fseog), [Federal Work-Study](https://studentaid.gov/understand-aid/types/work-study), [Subsidized and Unsubsidized Loans](https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized)\n- [Loan limits after 1 July 2026](https://studentaid.gov/announcements-events/big-updates/definitions) and [interest rates and fees](https://studentaid.gov/understand-aid/types/loans/interest-rates)\n- Questions and progress appeals: the school's financial aid office"
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