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
    • Complete the FAFSA with parental information, whether dependent or independent, regardless of if it is required for other federal aid purposes
    • Students must also use the IRS Data Retrieval Tool to link their tax information and their parents' tax information
    • Complete the Health Professional Loan (HPL) Application (The 2022-2023 application will be available in March 2022)
    • Submit materials by the May 15 priority deadline

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
    • Complete the FAFSA with parental information, whether dependent or independent, regardless of if it is required for other federal aid purposes
    • Students must also use the IRS Data Retrieval Tool to link their tax information and their parents' tax information
    • Complete the Health Professional Loan (HPL) Application (The 2022-2023 application will be available in March 2022)
    • Priority consideration — submit all application materials by the May 15 priority deadline

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
    • Complete the FAFSA with parental information, whether dependent or independent, regardless of if it is required for other federal aid purposes
    • Students must also use the IRS Data Retrieval Tool to link their tax information and their parents' tax information
    • Complete the Health Professional Loan (HPL) Application (The 2022-2023 application will be available in March 2022)
    • Submit materials by the May 15 priority deadline

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