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*Students are required to complete a FAFSA to be considered for these loan programs |
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Loan Comparison Chart |
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*Federal Perkins |
*Federal Subsidized Stafford |
*Federal Unsubsidized Stafford |
*State of Texas College Access Loan (CAL) |
*State of Texas Health Education Loan (HELP) |
*Federal Graduate Plus |
Texas Medical Association (TMA) |
Minnie Stevens Piper |
School Certified Alternative/Private |
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Max per school year |
$6,000 |
$8,500 |
GSBS & PA $20,500 DO $42,722-$47,167 SPH $33,000-$37,167 (total Sub & Unsub) |
Cost of Attendance less other financial aid |
SPH $12,500
DO $20,000 |
Cost of Attendance less other financial aid |
$4,000 |
$2,000/ semester |
Cost of Attendance less other financial aid |
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Interest Rate |
5% fixed |
6.8% fixed |
6.8% fixed |
6% fixed |
6% fixed |
8.5% fixed |
4.4% fixed |
4% |
Determined by lender |
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Eligible Programs |
Any UNTHSC Student is eligible for Title IV aid (funds limited) |
Any UNTHSC Student is eligible for Title IV aid |
Any UNTHSC Student is eligible for Title IV aid |
ANY UNTHSC student who is a Texas resident |
Osteopathic Medicine and School of Public Health Must be a U.S. resident paying in-state tuition
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Any UNTHSC Student is eligible for Title IV aid |
Osteopathic Medicine (funds limited) |
Any UNTHSC student who is a U.S. & Texas resident |
Any UNTHSC student |
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Origination Fees |
No |
0-1.5% As determined by lender |
0-1.5% As determined by lender |
3-5% as determined by lending agency
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3-5% as determined by lending agency |
Up to 3% as determined by lender |
none |
none |
Determined by lender |
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Aggregate limit |
$40,000 |
$65,500 |
PA & GSBS $138,500 DO & SPH $189,125 (total Sub & Unsub) |
none |
SPH $50,000 DO $80,000 |
none |
$8,000 |
$10,000 |
Determined by lender |
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Grace periods |
9 months |
6 months |
6 months |
6 months |
9 months |
none |
4 years (Residency) |
1 year
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none |
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Enrollment Requirements |
Half-time or greater |
Half-time or greater |
Half-time or greater |
Half-time or greater |
Half-time or greater |
Half-time or greater |
Full-time |
Half-time or greater |
Determined by lender |
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Cosigner Requirements |
none |
none |
none |
May be required |
May be required |
none |
none |
none |
Determined by lender |
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Credit based |
No |
No |
No |
Yes (in some cases) |
Yes (in some cases) |
No |
No |
No |
Determined by lender |
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Repayment Terms |
10 year repayment |
10 year repayment |
10 year repayment |
Up to 20 years, based on loan balance |
25 year repayment |
5-10 years depending on loan balance |
4 year repayment (due immediately if borrower discontinues the study of medicine) |
Total balance is due 1 year after graduation |
Determined by lender |