Private Loan Consultations
(for incoming and current students)
Education is important. Borrow with confidence.
Private loans don’t have to be confusing or costly. Our Private Loan Consultation helps students and families make informed borrowing decisions before a loan is ever finalized. Students are also welcome to shop from our preferred lender list near the bottom of the page.
Private Loan Consultation
For incoming and current students
45-minute, one-on-one Zoom sessions
$350 (individual)
Why This Matters
Private student loans are often used to fill funding gaps. Too often, however, borrowers take on more than they need, at higher costs than expected. Once a private loan is originated, flexibility is limited.
That’s where we come in.
Student Loan Professor acts as your independent guide, helping you understand how much you truly need to borrow, where private loans fit into the bigger picture, and how to approach the marketplace with confidence.
Before the Meeting: Smart Prep
Once you schedule, we’ll start with an initial email designed to set you up for success. This includes:
- Reaffirm the annual Federal borrowing limit for your program, likely $50,000 vs. $20,500.
- Identify grants, scholarships, savings, family support, and any other sources of funding you may have available to reduce your need for private loans.
- Confirm the specific cost of attendance (including living expenses) for your program for the first year.
This prep work allows us to focus the meeting on strategy – not guesswork.
What We Cover During Your Consultation
Our goal is clarity and control. During the session, we’ll walk through:
1. Identifying Existing Funds
- Federal Direct Loans
- Parent or family contributions
- Other known funding sources
2. Determining Your True Private Loan Need
- How much (if any) should be originated
- Avoiding over-borrowing before it happens
3. Assess credit profile
- Discuss credit score and what it means for funding options
- Discuss availability of cosigner
- Tips for improving credit for future borrowing
4. Navigating the Private Loan Marketplace
- Discuss important loan features beyond the interest rate
- Acquire real-time offers from our preferred lending partners
5. Closing & Next Steps
- Encouraging students and parents to align on a realistic budget
- Deciding on the exact amount to borrow before disbursement
- Clear instructions on how to secure the loan
Who This Is For
- Incoming students evaluating private loans for the first time
- Current students facing funding gaps mid-program
- Families who want a second set of eyes before committing
The Bottom Line
This isn’t about pushing loans: it’s about helping you borrow intentionally and with a clear plan in place.
Unfortunately, many of the exciting loan products tailored to medical and graduate health students are still in development. Fortunately, all should be online by June. We will continue to update this list as products become available for the 2026/2027 incoming class. Please click here if you would like to sign up for custom email alerts as these new products go live.
