Medical School Student Loans

Focus on becoming a doctor – not managing multiple loans. Rates start at 5.24% APR*.

Apply once and access funding throughout medical school with our line of credit** – all while simplifying repayment after graduation and residency.

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Multi-year Line of Credit

No need to reapply every year. One simple payment when you graduate.**

Apply Once

One application covers you for your entire degree.

No Hidden Fees

Zero application, origination, or prepayment fees.◊◊

On Demand

Access funds when you need to cover school-certified costs.

Key Features of Our Program

Medical School

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Fixed Rates

5.24% – 12.99% APR*

See Fixed Rate Disclosures

Variable Rates

5.24% – 13.24% APR*

See Variable Rate Disclosures

Rates include all eligible discounts.

  • Borrow up to $300,000^

  • Deferment during school and residency^^

  • 5, 7, 10, 15, 20, or 25 year repayment terms

Repayment Options

Deferred

Make no payments until residency is completed.

Deferred

Delay payments while you’re in school and residency.

Will incur the most interest over time.

Interest-only

Pay just the interest while in school and residency.

Interest-only

Make partial payments that cover just the interest on your loan.

Will incur less interest over time.

Immediate

Begin interest and principal payments immediately.

Immediate

Begin making full payments as soon as your loan is disbursed.

Will incur the least interest over time.

Fixed

Pay a fixed amount during school and residency.

Fixed

Make fixed payments as set by the lender during medical school and residency.

May pay down the loan and incur less interest over time.

Log In To Your Account

Finish An Application

Log in to finish an application that you have already started, upload supporting documents, and complete the lending process.

Manage Account

Log in to request additional funds, view your account balance, and make a payment. University Accounting Service (UAS) is the loan servicer for your account.

Frequently Asked Questions

Eligibility

Eligible degree programs include: Medicine (MD) and Osteopathic Medicine (DO)

Professional Graduate students who are:

  • U.S. citizens or permanent residents
  • At least the age of majority in your state of residence. Please note, in most states, you must be at least 18 years old. You must be 19 years old in Alabama. You must be 21 years old in Puerto Rico. If you are not the age of majority in your state you may qualify if you have a unique circumstance such as emancipation, or you may apply with a co-applicant who is at least the age of majority.
  • Continually enrolled in a degree-granting program and meeting the school’s minimum Satisfactory Academic Progress (SAP) criteria.
    Should you withdraw during any term or fail to meet SAP requirements, your funding request can be denied, your line of credit may close, and you may enter repayment.

    • For fall and spring terms, you must be enrolled at least half-time.
    • For summer term, you may be enrolled less than half-time.
  • Attending an approved school or institution. You can view eligible schools in our application before applying. Eligible schools are subject to change without notice.
  • Able to meet Affinity Plus Federal Credit Union’s standard underwriting criteria (a co-applicant may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate)
  • Eligible for credit union membership (you may apply without being a member of the credit union, but you will need to become a member in order for the loan to be funded)

The borrower and co-applicant (if applicable) must be a member of the credit union. To expedite funding, visit your credit union branch or website to open your membership account while we are processing your loan.

Repayment Types offered: 

  • Deferred: Make no payments until medical school and residency is completed. Will incur the most interest over time.
  • Interest-only: Pay just the interest while in medical school and residency. Will incur less interest over time.
  • Immediate: Begin interest and principal payments immediately. Will incur the least interest over time.
  • Fixed: Pay a fixed amount as set by the lender during medical school and residency. May pay down the loan and incur less interest over time.

Repayment Terms offered: 5, 7, 10, 15, 20, or 25 years

As a returning borrower with an existing line of credit, you do NOT need to complete an entirely new application to request additional funds. Simply request additional funds from your existing line of credit. Your school will certify the requested loan amount with the credit union.

Disclosures

Rates shown include a 0.25% rate discount available during full repayment of principal and interest by electing to make automatic electronic payments.◊

The Annual Percentage Rate (APR) for our graduate private education line of credit is fixed* for the life of the loan.

The current offered rate** will be between 5.24% and 12.99% APR.

The fixed rate repayment term is 5, 7, 10, 15, or 20 years regardless of the amount you borrow. Full repayment begins at the end of the grace or post-residency deferment period, unless full repayment is selected during enrollment.

Disclosures

  1. Your interest rate is fixed and your rate and/or credit approval depends upon the credit qualifications of the student borrower or co-applicant (if applicable). Rate also depends upon repayment term selected.
  2. Your actual rate within the range stated will be disclosed upon approval. Student borrowers may apply with a creditworthy co-applicant which may result in a better chance of approval and/or lower interest rate.

The Annual Percentage Rate (APR) for our graduate private education line of credit is variable* and is based on the Prime index◊ plus a margin.

The current offered rate† will be between 5.24% and 13.24% APR.

The variable rate repayment term is 5, 7, 10, 15, 20, or 25 years regardless of the amount you borrow. Full repayment begins at the end of the grace or post-residency deferment period, unless full repayment is selected during enrollment.

Disclosures

  1. The Annual Percentage Rate is subject to increase after consummation. The interest rate will be adjusted quarterly, based on changes to the Index. The APR will not exceed 15.00%, or fall below the Floor rate regardless of the Index or any additional rate discount. Any increase in the Index may increase the APR and the amount of your monthly payment.
  2. The “Index” for the quarter beginning April 1, 2026, is 6.75%, which was the Prime index published in the Wall Street Journal on the first business day of March 2026.
  3. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval depends upon the credit qualifications of the student borrower and co-applicant (if applicable). Rate also depends upon repayment term selected. Margin will be disclosed at account opening. Student borrowers may apply with a creditworthy co-applicant which may result in a better chance of approval and/or lower interest rate.

* APR = Annual Percentage Rate.

** Subject to annual review and credit qualification. Must meet school’s Satisfactory Academic Progress (SAP) requirements.

◊ The APR will not fall below the floor rate regardless of the index or any additional rate discount.

^ Students can borrow from $1,000 to $300,000. Cosigner may only sign on multiple lines of credit up to $300,000.

^^ Repayment option chosen during the application continues through school and up to 7 years of residency. Annual verification required.