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Medical School Financial Aid

Premedical students should begin to investigate financial aid sources as early as possible to avoid incurring more debt than necessary. According to the Association of American Medical Colleges (AAMC), about 81 percent of medical students borrow money to cover expenses. In most instances financial aid available to students comes from sources outside of medical school. Accepted applicants should be aware of the following programs, which provide the majority of aid to medical students:

Scholarship Programs

  • Scholarship for Disadvantaged Students (SDS) (http://www.aamc.org/students/financing/start.htm)
  • Scholarship search engine: FastWeb Scholarship Search (http://fastweb.monster.com/)
  • Scholarship search engine: CollegeNET MACH 25 (http://www.collegenet.com/mach25)

Federal Loan Programs

  • Federal Perkins Loan
  • Federal Stafford Loan
  • Health Education Assistance Loan (HEAL)
  • Loans for Disadvantaged Students (LDS)
  • Primary Care Loan (PCL, formerly HPSL)

For more information on these loan programs, visit the AAMC website. (http://www.aamc.org/students/financing/start.htm)

Private Loan Programs

  • MEDLOANS Alternative Loan Program (ALP) (http://www.aamc.org/students/medloans/start.htm)
  • CitiAssist (Citibank) (http://www.citiassist.com/)
  • MD.EXCEL (Nellie Mae) (http://www.nelliemae.com/loancenter/medexcel_details.html)
  • Med Access (Access Group) (http://www.accessgroup.org)
  • Educaid (http://www.educaid.com/)
  • The Education Resources Institute (TERI) (http://www.teri.org/main.html)

Institutional Loan Programs

  • Specific information on financial aid programs and estimated expenses incurred by students for each U.S. and Canadian medical school can be found in the Medical School Admission Requirements (MSAR). This resource is available for purchase through the AAMC's website. (http://services.aamc.org/AAMC_Store/itemDetail.cfm?store=PUBLICATIONS&item=ARA4&category=) For more information and resources on financial aid, visit the AAMC's website. (http://www.aamc.org/students/financing/start.htm) Service Repayment Programs
  • National Health Service Corps (http://nhsc.bhpr.hrsa.gov/)
  • Armed Forces Health Professions Scholarship Program (https://nshs.med.navy.mil/hpsp/Pages/HPSPHome.htm)


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