I have a concern about my financial aid

So I received this email from my school saying:

The U.S. Department of Education has reported that you are close to the maximum federal student loan limit you are eligible to borrow. This notice is for your information only and requires no further action at this time.

A summary of my loans are this:

4 Subsidized Loans

$15,216

3 Unsubsidized Loans

$10,570

According to this I took $25,786

The DOE is saying I’m close to my limit but I’m a junior undergraduate and is it suppose to be 57k max limit for federal student loans? Meaning I have around 32k left to use.
I know the subsidized loan is 23k limit and almost close but I still have un subsidized loan I can use.

The remaining of my classes before I graduate cost 14k

Can someone explain to me if I have 32k money left to use? Thanks in advance

Are you a dependent student or an independent one? The studentaid.gov website says the aggregate limit for dependent students is ~$31k. Independent students and those whose parents were turned down for PLUS loans can borrow ~$57k.

What school are you attending? Have you asked them for an explanation?

It depends on your dependency status and whether any of your loans were additional unsubsidized loans due to parent PLUS loan denial. Your school financial aid office has to determine your remaining loan eligibility manually if you are still dependent, and they will be able to answer your questions based on your borrowing record.

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I go to one of the CUNY schools and I’m an independent student. I tried contacting them but they never answer.

Have you emailed a specific person? Sometimes that helps.

If you are an independent student, your undergraduate loan limit is $57,500, with an annual maximum of $12,500 junior and senior years. If you hit the $23,000 subsidized loan maximum, you will be able to borrow just unsub. It sounds like you’re fine. You can see your loan information by going to your MyAid account: Federal Student Aid.

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