Debt Management Information

For the most recent updates to the Public Service Loan Forgiveness (PSLF) Limited Waiver Opportunity please visit the Department of Education website

The UCSD Health Sciences Financial Aid Office conducts a debt management session for entering students during Orientation Week. The 2023-24 AAMC Money Management for Entering Medical Students​​​ presentation is a great resource to reference throughout your first year in medical school. 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.

The UC San Diego SOM Class of 2023 average indebtedness incurred while enrolled at SOM (including pre-matriculation debt) was $168,149.  The average indebtedness for the Skaggs School of Pharmacy and Pharmaceutical Sciences Class of 2023 (including pre-matriculation debt) was $138,522. Additional information on the average indebtedness for medical students can be found on the AA​MC Debt Fact Card.

A detailed listing of your Federal Direct Loan Debt is available from the National Student Loan Data System.

A detailed listing of your Institutional Loan Debt (including University Loan, Loans for Disadvantaged Students, Primary Care Loan, Health Professional Service Loans, etc.) is available from Heartland ECSI (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 is available. 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.

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.

Federal vs Private Educational Loans