1. Direct Unsubsidized Loan: Graduate students enrolled at least half-time in a degree seeking program may borrow up to $20,500 per academic year with an aggregate maximum of $138,500. Students enrolled in the osteopathic medicine, veterinary medicine, dental medicine, optometry, podiatry, clinical psychology and pharmacy programs are eligible for higher annual loan amount and may borrow the aggregate loan maximum of $224,000. Current information on interest rates, loan fees and repayment plans for Federal Direct Loans is available at: https://studentaid.gov/understand-aid/types/loans/interest-rates
  2. Direct Graduate PLUS Loan: Graduate students enrolled at least half- time in a degree seeking program may borrow up to the annual cost of attendance minus other aid. Current information on interest rates, loan fees and repayment plans for Federal Direct Loans is available at: https://studentaid.gov/understand-aid/types/loans/interest-rates

Dentistry, Optometry, and Pharmacy

    Health Professions Student Loan (HPSL): Graduate students enrolled full time in a degree-seeking program in dentistry, optometry, podiatry or pharmacy may be eligible for HPSL funding. Priority consideration is given to third and fourth-year students with exceptional financial need based on both student and parent income. HPSL is administered by the Department of Health and Human Services. Award amounts are determined according to number of applicants and availability of funds. HPSL is a subsidized loan with a 5% fixed interest rate and a 12-month grace period before interest accumulates. Students must be enrolled full-time to receive HPSL funding.

Osteopathic Medicine Program

    Primary Care Loan (PCL): Priority consideration is given to certain third or fourth-year students with exceptional financial need who are committed to practicing primary care medicine. This loan offers a one-year grace period and a residency deferment of up to four years. The interest rate is fixed at 5%. Students must agree to enter and complete a residency training program in primary care medicine not later than four years after the date on which they graduate. Students must also agree to practice primary care medicine through the date on which the loan is repaid in full.  Students must be enrolled full-time to receive PCL funding.

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