There are a handful of allegedly “meet full need” medical schools, but only Columbia and Cornell have eliminated the use of loans for low income students. And these programs still require family financial info (including step-parents, divorced non-custodial parents and their spouses) and calculate a family EFC that the student is responsible for regardless of the age of the student or the willingness/ability of the family members to pay their contribution.
The rest of “meets full need” medical programs (Pritkzer, Harvard, Stanford, Yale) require the student to first take out a “unit loan” of $30-45K/year (not entirely co-incidentally the max federal student for professional school is $45K/year) AND pay their family EFC before any institutional aid will be awarded.
As for "someone" providing loans to med students--my daughter investigated private loans as an alternative to the high interest unsub federal loans for med school, but although interest rates on private loans were lower, these private loans often had a low borrowing ceiling ($30K/year when med school COA can approach $100K/year) and they require beginning immediate repayment as soon as these loans were disbursed. (Impossible during med school itself and extremely difficult during residency when new doctors may not be earning enough to pay their living expenses in high COL areas. Due to how the Match system works, newly graduated doctors do NOT get to choose where they live so can't always opt to live in low COL areas.)
And what about students in healthcare professional schools--podiatry, optometry, dentistry? None of these programs promise to meet full need.