*RUSM has a first-time residency attainment rate of 96%, calculated as the percent of students attaining a 2025-26 residency position out of graduates or expected graduates in 2024-25 who were active applicants in the 2025 NRMP match or who attained a residency position outside the NRMP match. AUC’s first-time residency attainment rate for 2024-2025 graduates and expected graduates is 95%. SABA’s four-year residency placement rate of 97% is calculated as the percent of students attaining a residency position out of all graduates or expected graduates in 2020-21, 2021-22, 2022-23 and 2023-24 who were active applicants in the NRMP match or attained a residency outside the NRMP match. As of July 17, 2025, they have not published their 2025 rates. SGU’s US residency placement rate of 94% pertains to graduates over five years from 2021, 2022, 2023, 2024, and 2025 with the rate calculated as the total number of students/graduates who obtained a US residency divided by the total number of students/graduates who applied to a US residency program in a given year as of April 2025.
Navigating Federal Loan Changes - Together
Beginning July 1, 2026, new legislation will eliminate the Grad PLUS loan program and set a $200,000 lifetime cap on federal Unsubsidized Loans for professional students. This change may limit how much of your medical education can be covered by federal aid alone.
What does this mean for you? Federal funding may be one part of your plan — not the whole plan.
We’re here to help you understand your options and identify options that keep your MD goals within reach.
New students starting their professional programs after June 30, 2026, will no longer have access to Grad Plus loans. Prospective students should connect with a financial adviser to discuss the cost of attendance and lending options available to assist in reaching graduation and beyond.
Investing in Your Future as a Physician
Medical school is a significant investment and clarity matters. Ross Med establishes a certified cost of attendance each academic year. This figure outlines anticipated expenses and helps define the total federal and private aid you may qualify for.
Your total cost of attendance (COA) may include:
- Tuition and mandatory fees
- Housing and meals
- Books, supplies, and technology
- Health insurance
- Travel and personal expenses
You Have Payment Options
At Ross Med, you don’t have to navigate financing alone. We’ve created a clear, predictable path supported by dedicated admissions and financial aid teams who guide you every step of the way. Most students fund their education through a combination of options layered over time.
Federal Student Loans*
Many U.S. students choose to maximize federal loans first due to repayment flexibility and borrower protections.
Federal Direct Unsubsidized Loans (annual and aggregate limits apply)
Grad PLUS Loans for eligible students enrolled prior to July 1, 2026 (available for up to three academic years or until graduation)
*for those who apply and qualify
Private Student Loans
When federal aid does not fully cover the cost of attendance, students may consider private loans to bridge the gap.
Ross Med has partnered with Salle Mae, a private lender to support our students’ journey through residency.
Scholarships
Reduce your out-of-pocket costs with scholarships designed to help you stay focused on what matters most—becoming a doctor.
Scholarships can be combined with federal and private funding to help close the gap created by recent loan changes..
Private Loans Through Sallie Mae
Ross Med is partnering with Sallie Mae, a private lender specializing in graduate and professional student loans to support your journey. You’ll be able to cover eligible expenses beyond federal caps.
All loan decisions are made solely by Sallie Mae and are subject to credit approval, identity verification, signed loan documents, and school certification.
No prepayment
penalty
Pay back the balance
at any time
Hassle free
funding disbursement
Funds disbursed
directly to Ross Med
Discharge
options
In the event of death or
total and permanent disability
Flexible
Repayment
Residency & fellowship repayment
options including deferment
Sallie Mae Key Benefits
Borrow up to 100% of your tuition, fees, and living expenses exceeding federal caps.
No application or origination fees
Expanded credit eligibility for the 2026–27 academic year
No co-signor requirements for eligible students
Flexible repayment options while in school or during residency including deferment
- Enrolled in Ross Med’s MD program
- U.S. citizen
- Minimum loan request of $1,000
- Defer Repayment: No payments due during school
- Fixed Repayment: Minimum $25/month payments during school
- Interest Repayment: Interest-only payments during school
Additional post-graduation benefits including residency or fellowship deferment - up to 48 months, subject to annual approval.
Application Process:
When to Apply
Support You Can Count On
Being Ready for it all means understanding both the academic and financial realities of medical school. We’re committed to helping you plan responsibly so you can stay focused on your future as a physician.
Ross Med financial services provide guidance on how to fund your education, navigate timing, and understand your options. Sallie Mae support has dedicated graduate and professional student support for applications, servicing, and repayment.
Call Ross Med or Sallie Mae for more information.