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… and unsubsidized) are loans borrowed directly from the federal government which serves as the lender. The student’s annual borrowing limit may vary based upon the following:  The amount of unmet need after other financial assistance has been considered;  The applicant’s grade level in … your award will be held in reserve for up to three years until you transfer to a bachelor’s degree program.  Cal Grant B  Provides subsistence payments for new recipients in the amount of $1,648 for a full-time, full year award. Payments are …