I am hoping someone can help me. I was an undergraduate student years ago and the college I was attending gave me too much money in subsidized loans...33000 to be exact. At the time, I wasn't really aware of subsidized versus unsubsidized and I was just accepting the loans they offered. Anyways, I had to finish my undergrad using private loans. I have now been paying on my consolidated subsidized loans for the past 7 years. Of course, they haven't really diminished much in that time. Therefore, I am still over the undergrad subsidized limits. I am just starting grad school and I now have a hold on my financial aid because of being over the lifetime limit for undergrad. I'm very worried that they will not offer me loans for graduate school due to the overage at undergrad. Does anyone know how the overage for undergrad affects graduate eligibility? And do PLUS loans follow the same guidelines? Any thoughts?