Loans for Disadvantage Students

Health Professions Assistance Loans and Loans for Disadvantaged Students

Health Professions Assistance Loans (HPSL) and Loans for Disadvantage Students (LDS) are loan programs for disadvantage students administered through Health and Human Services (HHS). 

  • Health Profession Student Loan (HPSL) is a low-interest loan for students with exceptional financial need. 
  • The school will determine eligibility and award amount through your FAFSA; you must include parent information on your FAFSA regardless of dependency status.
  • HPSL Loans are made with government funds through the school’s financial aid office and the school acts as the lender (similar to your Perkins Loan). 
  • Must be U.S. or Permanent Resident
  • Be enrolled FULL TIME (8 credits or more)
  • Must demonstrate Financial Need
  • Must provide parental income information
  • Complete the attached Application Form

Loan Terms

  • Subsidized during school; 5% during repayment
  • There are no loan fees
  • Award amounts depend on financial need (EFC) and funding availability
  • Grace period is 12 months; up to ten years to repay

To determine if you are eligible, you must include your Parent information on the FAFSA – (you have the availability to import this information directly from the IRS) and complete the Application for Disadvantage Programs. 

2023-2024 Disadvantage Loan Application