Smart Financing for Medical Students
Loan programs for U.S. citizens
Investing in your education is a major step toward your future — and we’re here to support you along the way. Our goal is to make medical school more accessible through clear, flexible financing options.
With multiple funding solutions available, you can stay focused on your studies while we help guide you through the process of covering tuition and related costs.
Fortify Loan
UHSA now participates in the Fortify Loan Program — a private financing option created specifically for U.S. Citizens and U.S. Permanent Residents.
Tailored to meet the needs of medical students, the Fortify Loan offers a straightforward and accessible way to fund your tuition and fees. With fixed terms, fast approvals, and no co-signer required, it allows you to stay focused on your education without added financial stress.
All accepted students are automatically pre-qualified, making the application process smooth and hassle-free.
- Fixed rate: 9.9% APR (may be lower in some states)
- Up to 10 years to repay with no prepayment penalties
- No co-signer: Based on your eligibility alone
- Affordable repayment options
- U.S. only: Must be 18+ and live in an eligible state
Call Fortify at (214) 644-6444 or apply online to get started.
Loans issued by Fortify. Availability may vary by state.
Eddy Loan
The Eddy Loan program is a private financing solution designed to help aspiring physicians achieve their goals. With competitive rates and flexible terms, it provides the financial support students need to concentrate on their medical education.
Accepted students are automatically pre-qualified, ensuring a seamless and accessible application process.
- Interest-only with competitive interest rates
- No origination fees or prepayment penalties
- No co-signer required
Eligibility Requirements
- Must be an accepted full-time student
- Must be a U.S. citizen or permanent resident
- Must maintain satisfactory academic progress
Contact financialaid@uhsa.edu.ag to learn more about your financing options and to initiate the application process. Only students who have been officially accepted to the University are eligible to apply.
Scholarship Opportunities
We understand that students from Puerto Rico, CARICOM nations, and other regions may face challenges securing traditional student loans. UHSA is proud to offer a range of institutional scholarships to help make medical education more accessible.
Learn more about available scholarships and eligibility here.
Walden Degree Financing
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.
- Eligible students can apply for US Federal Student Aid to pay for educational expenses.
- Walden offers UHSA students a 25 percent reduction in tuition for their second degree.
- Students can select from a diverse range of degree programs across various fields, including Public Health and Health Sciences, Public Policy and Administration, Business and Management, and many others.
Sensible Borrowing: Plan Wisely, Borrow Responsibly
Students should check their credit scores from all three major bureaus to ensure accuracy. You’re entitled to one free credit report per year from each bureau at AnnualCreditReport.com, the only federally authorized source. Reports may also be available through your bank, credit union, or credit card provider.
In-school deferment for previous student loans
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.
Flexible Tuition Payment Options
Installment Plan for Term Tuition Payments
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.
Canadian Loan Programs
Federal and Provincial Student Loans for Canadian Students
The University of Health Sciences Antigua is recognized by the Canadian Ministry of Education, allowing most students to access Canadian federal loans, provincial loans, and federal grants. The Canada Student Loans Program (CSLP) provides financial assistance to both full-time and part-time post-secondary students through loans, grants, and repayment support. CSLP operates in partnership with most provinces and territories, though Quebec and the Northwest Territories manage their own financial aid programs.
While enrolled and maintaining satisfactory academic progress as defined by their respective province, students benefit from interest-subsidized loans funded by the Canadian government. Below are links to the financial aid resources for each province. When applying for funding, students must use UHSA’s designated school code [ZPAS].
- 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
Canada Student Line of Credit
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:
International Loan Programs
The Student Funding Company
UHSA has partnered with The Student Funding Company (TSFC) to offer tailored financing solutions for UK students undertaking their clinical rotations in the United Kingdom.
TSFC is a Financial Conduct Authority (FCA)-registered lender with extensive experience supporting UK-based medical students through specialized student loan programs. This partnership enables eligible UHSA students to finance both their medical education and the costs associated with clinical rotations in the UK.
Currently, financing is available exclusively for students in their third and fourth years of the MD program. To learn more or start your application, please visit studentfundingcompany.com.
