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Student Financial Aid Financial Aid Options
Furthering education with Post-Baccalaureate Aid

Post-Baccalaureate students (those pursuing a second bachelor’s degree or a post-bachelor’s certificate) are not eligible to receive undergraduate need-based aid. However, you are eligible for scholarships, Federal Direct Loans, private education loans, and student employment.

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Student employment

Though Work-Study is not available to Post-Baccalaureate students, employment opportunities are available and can represent a significant contribution to a student’s ability to fund their education. Please visit the Academic Success & Career Center student employment page.

Loans

Loan TypeAnnual LimitLifetime Aggregate Limit
Subsidized Direct (Dep. Student - Sophomore Standing*)$ 4,500$ 23,000
Subsided Direct (Dep. Student - Jr/Sr class standing **)$ 5,500$ 23,000
UnSubsidized Direct (Dep. Student - Soph/Jr/Sr class standing)$ 2,000$ 8,000
Subsidized Direct (Indep. Student - Soph)*$ 4,500$ 23,000
Subsidized Direct (Indep. Student - Jr/Sr. class standing)**$ 5,500$ 23,000
Unsubsidized Direct (Indep. Student - Soph. class standing)*$ 6,000$ 34,500
Unsubsidized Direct (Indep. Student - Jr/Sr class standing)**$ 7,000$ 34,500
Parent PLUS Direct Loan ***Parent PLUS loan amounts can vary widely. Parents can borrow as much as they like as long as they do not exceed their total cost of attendance including other types of aid. Please note that this loan is subject to credit requirements.
Private/Alternative LoanPrivate/Alternative loan amounts can vary widely. Students can borrow as much as they like as long as they do not exceed their total cost of attendance including other types of aid. Please note that this loan is subject to credit requirements.

Please note that subsidized direct loans can only be awarded if there is unmet need. If there is no unmet need, the direct loan will be awarded as an unsubsidized direct loan.

*Students who are not certified as having at least 60 credits towards their next degree as defined on the Second Degree Verification Form (5B) by their Advisor/Academic Department are classified as Sophomores for the purpose of awarding Direct loans.
**Students who have certified as having 60 credits or more towards their next degree as defined on the Second Degree Verification Form (5B) by their Advisor/Academic Department are classified as Junior/Senior standing.
***Parent PLUS Loans are only eligible to students who are classified by the Department of Education as a dependent student.

Washington State University