This tool reflects the final rule at 34 C.F.R. §685.203(m), effective July 1, 2026. Sub-regulatory guidance is still forthcoming. This is not legal or compliance advice. FAQ

Desata

Schedule of Reduction Calculator

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

Student Profile

Set a program-level limit below the statutory maximum of . Leave blank to use the statutory maximum.

Cannot exceed the statutory maximum of .

Exceeds the maximum subsidized amount of for this grade level.

Must be greater than $20,500 (the base unsubsidized limit).

Academic Year Structure

Period 1

Period 2

Period 3

Period 4

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


Equal Proportional
Subsidized
Unsubsidized
Grad PLUS
ℹ No adjustment applied. Final-term overdisbursements have no subsequent term to absorb the difference. The student retains the full disbursement.
Equal Proportional
Subsidized
Unsubsidized
Grad PLUS
ℹ No adjustment applied. Final-term overdisbursements have no subsequent term to absorb the difference. The student retains the full disbursement.
Equal Proportional
Subsidized
Unsubsidized
Grad PLUS
ℹ No adjustment applied. Final-term overdisbursements have no subsequent term to absorb the difference. The student retains the full disbursement.
Equal Proportional
Subsidized
Unsubsidized
Grad PLUS
ℹ No adjustment applied. Final-term overdisbursements have no subsequent term to absorb the difference. The student retains the full disbursement.
Equal Proportional
Total Subsidized
Total Unsubsidized
Total Grad PLUS