UTMB has several loan funds for students who need financial assistance: federal, state, institutional, and alternative. The purpose of all loan programs is to assist students unable to obtain sufficient support from other sources. In order to qualify for support from any federal loan program, the student must complete the FAFSA.

UTMB’s current default rate for federal loans is 0.6% which is far below the national rate of 10.8%. 66% of UTMB students borrow money for their educational expenses.

Federal Direct Loans

Federal Direct Student Loan

The Federal Direct Loan Program provides a new and simpler way to obtain and repay student loans. There is a single lender—the U.S. Department of Education. Students should refer to for specific information regarding Direct Loans.

Parent Loan

If a parent of a dependent student is denied a FDPLUS loan as a result of poor credit, we will replace that PLUS loan with a Federal Direct Unsubsidized Stafford/Ford Loan (FDUSL) in accordance with the program maximum limits and guidelines.

Graduate Plus Loan

The Graduate PLUS loan program is part of the Federal Family Education Loan Program (FFEL) and allows you to borrow up to the difference between your educational costs and your financial aid award package.  The graduate student must apply for the maximum annual amount through the Federal Stafford Loan Program and must be a U.S. citizen or eligible non-citizen and creditworthy.

Contact Information for Direct Loans

Uncertain of which Loan Servicer to Contact?

Students and parents can look up their complete loan history including the servicers for each loan at NSLDS.  Access to this site requires the user to have their Department of Education PIN.

Direct Loan Servicing Center (ACS)


Students and parents who first borrowed Federal Direct Loans after July 1, 2010 will have their Federal Direct Loans serviced by one of the four servicing contractors listed below:

Great Lakes Educational Loan Services, Inc







Holmes Yvonne

Yvonne Holmes
Sr. Enrollment Services Specialist
Federal Work Study
Financial Aid

Salas Erica

Erica Salas
Assistant Director
Financial Aid

Hale Anne

Anne Hale
Student Financial Services
International Student PDSO

Other Federal Loans Programs

Loans for Disadvantaged Students

The Loans for Disadvantaged Students program provides loans to full-time, financially needy students from disadvantaged backgrounds pursuing a degree in allopathic medicine, osteopathic medicine, dentistry, optometry, podiatric medicine, pharmacy or veterinary medicine.  Recipients are selected by making reasonable determinations of need and providing loans which do not exceed the cost of attendance (tuition, reasonable educational expenses and reasonable living expenses. This is a federal program under the supervision of HRSA. Currently, only students in the School of Medicine are eligible for this grant/scholarship, but if grants are awarded to the other schools by HRSA, it will be available for those students as well. Students are required to include parental information on the FAFSA, regardless of dependency status, to be considered for this grant/scholarship. When completing that FAFSA, students are required to use the IRS Data Retrieval Tool (DRT). If they are not eligible to use the DRT, they must submit a tax transcript from the IRS to support what was reported on the FAFSA.

Nursing Student Loan Program

The Nursing Student Loan program provides loans to full-time and half-time financially needy students pursuing a course of study leading to a diploma, associate, baccalaureate or graduate degree in nursing.

Primary Care Loan

The Primary Care Loan program provides loans to 4th year medical students who match in a primary care residency program and are financially needy. The amount of Primary Care funds that can be approved for a student is governed by need analysis and amount of funds available. Students accepting awards fromthis program will be required to sign a promissory note agreeing to enter and complete a residency training program in primary care and practice primary care through repayment of the loan. The loans to fourth year students are given to repay outstanding balances on unsubsidized loans taken out while attending UTMB. Medical students receiving a Primary Care Loan must agree to enter and complete residency training in primary care within four years after graduation and practice in primary care for the life of the loan.

Institutional Loans

These loan programs are to assist students unable to obtain sufficient support from other sources. The loan funds described in this section of the booklet are available to students who meet the eligibility requirements specified for each fund and who maintain satisfactory progress in their educational programs.  Loan funds are intended to provide financial aid to meet established financial need and require that repayment begin after the student has finished the educational program.

Our Collection Agencies for Institutional loans are

National Credit Management
10845 Olive Boulevard
St. Louis MO 63141
Phone: 800.627.2300
Fax: 314.993.8717

General Revenue Corp (new)
P.O. Box 495999
Cincinnati, Ohio 45249
Phone: 888.710.6817
Fax: 800.234.5035

Our credit agency for institutional loans is

National Credit Audit Corporation (NCAC)
P.O. Box 2103
Allen, TX75013
Phone: 866-673-0140

The following loans are considered long-term aid and will be awarded only on the availability of funds:


Max. Loan Amount

Interest Rate

Method of Payment

Payment Begins

Robert Wood Johnson (M)

$10,000 Maximum

$3,500 per yr.



1 year after graduation

William C. Levin (M)




6 mos. after graduation

*Medical School Alumni Loan Program (M)




6 mos. after graduation

UTMB Physical Therapy Alumni (PT Seniors)

$1,000 per yr.



1 year after graduation

Seinsheimer (N)




6 mos. after graduation

Our service contractor for institutional loans is ACS, Inc. – Education Services, Campus Products and Services.

Texas Medical Association

The Texas Medical Association loan money at UTMB is an institution loan fund.  To be eligible a student must:

  • Be enrolled in the School of Medicine.
  • Have successfully completed at least one semester of medical school.
  • Have established financial need.

This loan begins accruing at a rate of 4.4% from the date of disbursement, and interest payments will be payable annually on or before each subsequent anniversary for the promissory note.  Principle and interest payments begin in the fifth year after graduation and will be made in equal monthly payments for four years.

Repayment questions may be directed to:

Student Loans Department
Texas Medical Association
401 West 15th Street
Austin, Texas 78701-1680
(800) 880-2828
TMA website

Minnie Stevens Piper Foundation (MSP)
800 North West Loop 410, Suite 200S
San Antonio, TX 78216-5699
(210) 525-8494

Interest Rate: Notes are interest bearing at a rate of 6 percent and the interest is compounded annually from date of note until the due date.  See promissory note.

Due Date: This loan is due one year after graduation or one year after date of last attendance, should a student drop out of school or lose full-time status.

Repayment: If a lump-sum payment cannot be made, a monthly payment plan may be elected.  If a monthly payment plan is elected, interest will be computed monthly on the diminishing balance until the note is paid in full.   The entire balance must be repaid within four years of the due date of note.

Cancellation: There is no provision for cancellation.   The estate must pay in the event of death.

State Loans

The state of Texas has two loan programs available for undergraduate students: The College Access Loan (CAL) and the Be-On-Time Loan (BOT). For information about these programs, please go to

Alternative Loans

If a student cannot meet the total cost of attendance with the financial assistance offered through Enrollment Services, alternative loans are available through the private sector (banks).

Fast Choice - Alternative Lenders

Please bear in mind that alternative lenders will usually complete a credit check to determine your eligibility for funding.  You may be asked to provide a co-signer, or be denied funding based on your credit history, or lack thereof.  If you are not approved for an external loan, Enrollment Services cannot change the lender's decision and your award may be revised.

Enrollment Services Contact Information

All Contacts:

Mailing Address:

Office of Enrollment Services
The University of Texas Medical Branch
301 University Boulevard
Galveston, Texas 77555-1305

All other:

Phone: 409-772-1215
Fax: 409-772-5056
Email Addresses:

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