Health Professional Loans

There are additional loans available specifically for students in the health professions. View specific loan information to find out how to apply.

Health Professional Loan (HPL)

  • Eligibility
    • Full-time — not provisional — in the D.D.S. or Pharm.D. program
    • Demonstrate financial need according to rules set forth by U.S. Department of Health and Human Services
  • Terms
    • Fixed 5% interest rate
    • No interest accrues during school
    • Repayment begins 12 months following termination of at least half-time enrollment
    • Payments are made to UMKC
  • How to apply
    • File the Free Application for Federal Student Aid. Students must complete the FAFSA with parental information regardless of if it is required for other federal aid purposes. Students must also utilize the IRS Data Retrieval Tool to link both their tax information and their parent’s. All professional students are considered independent for FAFSA purposes: nonetheless, federal regulations require that parent information be considered for the purpose of awarding HPSL funds.
    • Turn in the Health Professional Loan Application to the Financial Aid and Scholarships Office. For priority consideration, please submit the HPL Application and other documents by the priority deadline indicated on the application. The deadline for the 2022-2023 year has passed. The application for the 2023-2024 year will be available March 1st, 2023.

Health Professional Nursing Student Loans

  • Eligibility
    • Full-time student in LPN, RN, DN, ADN, BSN, MSN, Ph.D., NDP or Ed.D. program
    • Enrolled or accepted in an institution within Missouri approved by the Missouri Nursing Board
    • Missouri resident
    • Under no conflicting service obligation, with the exception of service in the National Guard or military reserve
  • Terms
    • 0% interest rate
    • Loan may be forgiven through service obligation
  • How to apply

Loans for Disadvantaged Students (LDS)

  • Eligibility
    • Full-time — not provisional — in the D.D.S., Pharm.D. or B.A./M.D. program
    • Demonstrate financial need according to rules set forth by U.S. Department of Health and Human Services
  • Terms
    • Fixed 5% interest rate
    • No interest accrues during school
    • Repayment begins 12 months following termination of at least half-time enrollment
    • Payments are made to UMKC
  • How to apply
    • File the Free Application for Federal Student Aid. Students must complete the FAFSA with parental information regardless of if it is required for other federal aid purposes. Students must also utilize the IRS Data Retrieval Tool to link both their tax information and their parent’s. All professional students are considered independent for FAFSA purposes: nonetheless, federal regulations require that parent information be considered for the purpose of awarding HPSL funds.
    • Turn in the Health Professional Loan Application to the Financial Aid and Scholarships Office. For priority consideration, please submit the HPL Application and other documents by the priority deadline indicated on the application. The deadline for the 2022-2023 year has passed. The application for the 2023-2024 year will be available March 1st, 2023.

Nurse Faculty Loan Program (NFLP)

  • Eligibility
    • Graduate nursing student in MSN, DNP or Ph.D. program
    • Must work full-time as an instructor in a school of nursing for four consecutive years upon graduation
    • Complete an educator course (6.0 hours)
  • Terms
    • 0% interest
    • Up to 85% of the loan can be forgiven by fulfilling service commitment
  • How to apply

Primary Care Loan (PCL)

  • Eligibility
    • Full-time in B.A./M.D. program
    • Demonstrate financial need according to rules set forth by U.S. Department of Health and Human Services
    • Provide parental income data and signature on the FAFSA
    • Commitment to working in primary care fields, to avoid high interest rate penalties
  • Terms
    • Fixed 5% interest rate
    • No interest accrues during school
    • Repayment begins 12 months following termination of at least half-time enrollment
    • Payments are made to UMKC
  • How to apply
    • File the Free Application for Federal Student Aid. Students must complete the FAFSA with parental information regardless of if it is required for other federal aid purposes. Students must also utilize the IRS Data Retrieval Tool to link both their tax information and their parent’s. All professional students are considered independent for FAFSA purposes: nonetheless, federal regulations require that parent information be considered for the purpose of awarding HPSL funds.
    • Turn in the Health Professional Loan Application to the Financial Aid and Scholarships Office. For priority consideration, please submit the HPL Application and other documents by the priority deadline indicated on the application. The deadline for the 2022-2023 year has passed. The application for the 2023-2024 year will be available March 1st, 2023.

Primary Care Resource Initiative for Missouri (PRIMO)

  • Eligibility
    • Full-time D.D.S. or dental hygiene student
    • Missouri resident
  • Terms
    • Loan may be forgiven through service obligation
  • How to apply