Students can explore the various loan options to help cover their tuition upfront. UHSA does not participate in US federal Title IV financial aid, but students can explore options with the below private lenders for their student loan needs.

Financing Options with Meritize Financial offers educational loans to our students. Meritize is a unique academic lender that bases its loan approvals on traditional credit scores and academic performance.

Benefits for students include:

• No cosigner requirement; however, applying with a creditworthy cosigner may help you qualify and receive a lower interest rate.
• A borrower must be a US citizen or permanent resident.
• Fixed and variable interest rates are available.
• Flexible payment options, including deferring total principal and interest payments until three months after graduation.

Apply and check your loan options without impacting your credit score.

Students should obtain their credit scores from all three major credit bureaus to ensure their credit rating is based on the most current and accurate data. You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. The only federally authorized source for obtaining your free annual credit report is annualcreditreport.com. Credit reports may also be available via your bank, credit union, or credit card provider.

Through UHSA’s partnership with Walden University, a US regionally accredited online university, students can pursue a second program of study that will complement their medical studies and give them a leg up as they start their medical careers.

• Enrolled students may apply for US federal aid to pay for educational expenses.
• Walden provides UHSA students a 25 percent reduction in tuition for their second degree.
• Students can choose from an array of degree programs in areas of study such as Business and Management, Public Health and Health Sciences, Public Policy and Administration, and more.

UHSA provides a loan program to assist students who have encountered challenges in qualifying for existing student loan programs. This institutionally funded initiative aims to extend financial support to students who have diligently sought funding for upcoming academic terms but have faced constraints in meeting their financial requirements.

• The maximum benefit of $4,000 per academic term (applicable toward tuition fees only). This loan is available on a per-term basis.
• Loan repayment term of 8 years (96 months) at 12.5% interest.
• Interest-only payments while enrolled. Full repayment begins 6 months after graduation or on the 54th month of initial enrollment in the Basic Sciences program*.
• Minimum FICO credit score of 600.
• Students not meeting the credit criteria may apply with a credit-ready co-signer.

To Apply, accepted students may download a credit application and upload it while completing the form below.

Contact the Office of Financial Aid for further information and to determine eligibility.

*Repayment begins immediately if a student leaves before completing the MD program. If a withdrawing/transferring student is due a refund, the refund will first be applied toward any outstanding balance.

UHSA does not receive or participate in Title IV Funding (anything requiring a FAFSA application). As such, previous student loans might not qualify for in-school deferment. Deferment forms usually require a federal school code. If you submit a deferment form to the Registrar, it will be processed without the school code and sent to your lender, but approval is not assured. If your deferment isn’t approved, you may be able to apply for forbearance instead.

If you have additional questions, please email the Student Financial Aid Department at financialaid@uhsa.edu.ag.

Payment plans are available to U.S. citizens to pay their tuition in a monthly repayment cycle arranged through TFC Credit Corporation, a third-party tuition financing company.

The first payment includes one down payment followed by two or three monthly payments at 4% interest. No credit check is required.

Down payment requirements

• Term (I-IV) Basic Sciences – 5,496
• Term (VI) Review – 4,750
• Term (VII-X) Clinical Sciences – 6,436

Apply by completing the Tuition Payment Agreement.

The University of Health Sciences Antigua is approved by the Canadian Ministry of Education, entitling most students to the ability to receive Canadian Federal loans, Provincial loans, and Federal grants.

The Canada Student Loans Program (CSLP) offers financial assistance to full-time and part-time students pursuing post-secondary education in the form of loans, grants, and repayment assistance. The CSLP delivers student financial assistance in partnership with most provinces and territories. Quebec and the Northwest Territories operate their own programs.

These loans are interest-subsidized by the Canadian government while the student is enrolled in school and maintaining satisfactory academic progress, as determined by the individual Province. Below you will find links to the website of each Province. Applicants must use UHSA’s designated school code [ZPAS] when completing the process of obtaining funding.

• Alberta Student Financial Assistance
• British Columbia Student Financial Aid
• Manitoba Student Aid
• Newfoundland Student Financial Assistance
• Nova Scotia Student Assistance
• Northwest Territories Student Financial Assistance
• Ontario Student Assistance Program
• Quebec Student Financial Assistance Programs
• Saskatchewan Student Loan Program

To supplement the financing of their education, students usually apply for a professional line of credit available through banks in Canada. Credit lines can be approved for between $150,000 and $500,000, depending on the bank you choose to apply with. Please note all banks will require a co-signer and usually provide the option to defer principal payments until graduation to allow residency, etc.

Student Lines of Credit are available from the Royal Bank of Canada, Bank of Montreal, TD Canada Trust, and others. The following links may be helpful:

• Bank of Montreal – Medical Student Line Of Credit
• Royal Bank of Canada – Plan for Medical & Dental Students
• TD Canada Trust – Student Line of Credit

Provides African students with financing to assist with their medical education and expenses. Students who are also citizens of non-African countries are not eligible.

To qualify, applicants must provide the following:

• National Identity Document or Passport copy for proof of being from an eligible African country*.
• Bank Statement with the last two months of transactions.
• Two references from family members or close acquaintances.
• UHSA acceptance letter.
• A short essay regarding post-graduate plans: the short essay is very important for approval.

If you have questions, email support@8b.finance.

*Eligible countries include all African countries except the Central African Republic, Libya, Somalia, and Sudan (not South Sudan).