Loans for Disadvantaged Students (LDS)


  • Fixed 5% interest rate, no interest accrues during school
  • Students must be full-time in DDS, PharmD or BA/MD program
  • Students must demonstrate financial need according to rules set forth by U.S. Department of Health and Human Services
  • Dependent and independent students must provide parental income data and signature on the FAFSA


Max Amount


Interest Rate


How to Apply

  • File the Free Application for Federal Student Aid with parental information
  • Turn in the HPL Institutional Application (link to pdf) and tax forms to the Financial Aid and Scholarships Office
  • For priority consideration, please submit your materials by May 15


  • Repayment begins 12 months following termination of at least half-time enrollment
  • Payments will be made to UMKC