Financial Aid

Debt Management Information

The UCSD Health Sciences Financial Aid Office conducts a debt management session for entering students during Orientation Week. Students will also receive individual Indebtedness Summaries on an annual basis to help them keep track of their debt and to ensure they are aware of the level of their borrowing. Students are welcome to visit the UCSD Health Sciences Financial Aid Office at any time during their enrollment to collect an updated Indebtedness Summary and review the details of their debt with a counselor. In the final year of school, a debt management session is held to aid graduating students in the repayment of their debt.

Please note that the average indebtedness (including pre-matriculation debt) for the School of Medicine Class of 2017 was $119,400.  The average indebtedness for the Skaggs School of Pharmacy and Pharmaceutical Sciences Class of 2017 was $137,188. Additional information on average indebtedness for medical students can be found at the following AAMC link: AAMC Debt Fact Card

For a detailed listing of your Federal Direct Loan Debt (including Perkins Loans) please visit:

For a detailed listing of your Institutional Loan Debt (including University Loan, Loans for Disadvantaged Students, Primary Care Loan, Health Professional Service Loans, etc.) please visit: (formerly ACS)

Student may also access the AAMC MedLoans Organizer and Calculator (MLOC)  to analyze individual debt and repayment options.

A more simplified loan calculator can be accessed here. This program allows you to enter the loan amount, interest rate, and repayment period of a loan and then calculates the amount of your monthly payment, as well as the total principal and interest repaid on the loan. This tool is also helpful in comparing loans, or determining the effect of increasing or decreasing the length of repayment.

The AAMC Debt Management Website - FIRST offers resources through articles, videos, webinars and many more tools relevant to all student regardless of their debt levels. The AAMC FIRST website may be accessed here.

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