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Student Loans

Managing the cost of medical school

Student loans can help you manage the cost of medical school tuition, supplies, and living expenses.

Federal DIRECT Unsubsidized Loan

The Unsubsidized Stafford Loan is available to all students regardless of income or credit. This loan is not subsidized by the federal government. You are responsible for all interest that accrues while you are in school, in deferment, or during your grace period. You may choose to make interest payments while in school or defer (and accumulate) the interest until repayment.

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Federal DIRECT Graduate PLUS Loans

The Federal DIRECT Grad PLUS loan is available to medical students who have already borrowed the maximum amount of Unsubsidized Loans and still need additional funding.

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Primary Care Loans

The Primary Care Loan program provides long-term, low-interest-rate loans to full-time, financially needy students to pursue a degree in allopathic or osteopathic medicine.

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Loans for Disadvantaged Students

The Loans for Disadvantaged Students program provides long-term, low-interest rate loans to full-time students who need financial assistance to pursue a degree in medicine.

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Emergency Loan

The Emergency Loan program is available to assist all enrolled Heritage College students with short-term funding for unexpected financial problems.

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Private Loans

While most medical students utilize the Stafford and Grad Plus loan programs, you also have the option to take out private loans. Private loans are used to help bridge the gap between actual costs and financial aid programs. Private loans are funded by private, third-party lenders. Below we have provided a list of several loan companies. These are private loans specific to medical students. Please be sure to check the rate and term of the loans as they may change from month to month.  

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