So as if the numbers have not been reiterated enough: There is a maximum of $8500 in subsidized Stafford and $40500 in total Stafford (usually $8500 sub and $32000 unsub). But in what real-life situations do you lose your subsidized loan capability? Has anyone personally lost this? I am under the assumption that as long as COA-EFC > $8500 you get the full subsidized loan capability. I plan on getting married in the summer between MS1 and MS2. I cannot foresee my wife making a whole lot in this bad job market [but she definitely is qualified ]. But her income will be factored into my FAFSA for MS3 and MS4. Using a federal tax estimate and a EFC estimator: $60k salary = $43k taxable income = $23k EFC The lowest COA of my acceptances is $40k (and surely is going to rise). So the lowest amount of Stafford I could expect if my wife was bringing in the big bucks of a 60k salary would be 40k - 23k = 17k. Which would be $8500 subsidized and the rest $8500 would be unsubsidized. Right?