Chance Me: HYPSM + UCs + Brown PLME! Biology on pre-med track, 1560 SAT, 35 ACT, 4.0 UW GPA, CA resident

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FAQ: How To Pay For Medical School

The Federal Professional Student Loan Program There will be major changes in how med students pay for their medical education starting July 1, 2026. As part of the OBBB, the Grad Plus Loan program has been eliminated. The OBBB also placed new borrowing caps on professional student loans. Starting this year, med students will only be able to borrow a maximum of $200,000 in federal student loans over a lifetime. This maximum includes any (subsidized or unsubsided) undergrad federal student loans a student may have taken out. Med students may only borrow a maximum of $50,000/year. Federal student loans for professional students are unsubsidized loans. This means that interest begins accruing from the day a loan is disbursed. Currently the interest rate for professional student loans is 7.97%. A new rate is posted on June 1 of each year. The rate is set by Congress and based on the auction price of 10 year Treasury bonds. Once the loan has been disbursed, its interest rate does not cha…