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Anschutz Medical Campus

University of Colorado Denver
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Title VII Student Loans

For eligible Dental Medicine (DDS & ISP), Medicine (MD) & Pharmacy (PharmD) Students.


Health Resources and Services Administratio logo

 Health Professions Student Loan (HPSL)

The Health Professions Student Loan Program provides low-interest loans to full-time students pursuing a degree in dentistry, optometry, pharmacy, podiatric medicine, or veterinary medicine. The University selects loan recipients based on the information on the Free Application for Federal Student Aid (FAFSA) and the Title VII Federal Aid Application, which is generally available in October each year. Eligible students interested in applying for Title VII aid are encouraged to include their parent(s) tax information on the FAFSA.

Due to limited funding, not all students who are eligible will receive this award. Students who are awarded an institutional loan are not automatically awarded in subsequent years. Recipients will be notified by email and directed to review their award letter on UCD Access. Remember to check your To Do List and your University Webmail account for important notices regarding loan requirements.

IMPORTANT NOTE: The information provided on this page is for general reference only. Please refer to your promissory note and disclosure statements for specific information regarding your loan.

Eligibility:

Features:

  • 5% fixed interest rate per annum.
  • Eligible for Federal Loan Consolidation.
  • This loan may be canceled due to death or permanent disability of the borrower.
  • Loans may be deferred for the following reasons (see promissory note for details):
    • Active duty military
    • Peace Corps volunteers
    • Enrollment in a baccalaureate or graduate nursing program.
    • Advanced professional training beyond first diploma or degree in nursing.

Loan Limits:

  • The annual award amount varies depending on availability of funds.
  • There is no lifetime aggregate limit.

Additional Information/Requirements:

  • You must provide parental tax information that will be used to determine your overall need and if you come from an “economically disadvantaged” background. This is a requirement for ALL students without regard to the student’s age, tax, marital or dependency status and cannot be waived. In cases where you parents refuse to provide income information, an affidavit documenting such refusal cannot be accepted in lieu of the required information. Students whose parents are deceased are exempt from this requirement. However, a copy of the parent’s death certificate must be provided.
  • Complete loan requirements, including promissory note, Rights and Responsibilities documents and Self-Certification form, on the Heartland ECSI website. You will receive an email via your University Webmail account arrive in your inbox, please check your spam/junk folder.
  • Students must complete Loan Exit Counseling with Heartland ECSI upon graduation or dropping below half-time enrollment.

Repayment:

  • Repayment is deferred and there is no interest charged while you are enrolled at least full-time in an eligible health professions program. You may also request a deferment if you participate in one of the following activities:
    • Service in the active duty military;
    • Volunteer in the Peace Corps;
    • Pursuing advanced professional training, including internships and residencies;
    • Leave of absence from the university to pursue related educational activity; or
    • Participate in a fellowship training program or a full-time educational activity directly related to your health profession.
  • A forbearance or renegotiation may be granted if you are unable to make payments but do not qualify for any of the above deferments.
  • Grace Period: Repayment begins 12 months after you are no longer enrolled at least full-time.
  • Minimum monthly payment is $40.
  • The standard repayment period is 10 years. The maximum repayment period of 25 years.

Lender and Loan Servicing:

The University of Colorado Anschutz Medical Campus is the lender for this loan. Heartland ECSI provides loan servicing for all of our institutional loans. The loan servicer collects payments, responds to customer service inquiries, and performs other administrative tasks associated with maintaining the loan on behalf of the lender. Please keep your address and phone number updated with you lender and loan servicer.

Questions?:

If you have further questions regarding your Health Professions Student Loan Program , please contact Heartland ECSI or the CU Anschutz Student Debt Management Office.

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 Loan for Disadvantaged Student (LDS)

The Loans for Disadvantaged Students Program provides low-interest loans to full-time students from a disadvantaged background pursuing a degree in allopathic medicine, osteopathic medicine, dentistry, optometry, podiatric medicine, pharmacy or veterinary medicine. The University selects loan recipients based on the information on the Free Application for Federal Student Aid (FAFSA) and the Title VII Federal Aid Application, which is generally available in October each year. Eligible students interested in applying for Title VII aid are encouraged to include their parent(s) tax information on the FAFSA.

Due to limited funding, not all students who are eligible will receive this award. Students who are awarded an institutional loan are not automatically awarded in subsequent years. Recipients will be notified by email and directed to review their award letter on UCD Access. Remember to check your To Do List in UCD Access and your university email account for important notices regarding loan requirements.

IMPORTANT NOTE: The information provided on this page is for general reference only. Please refer to your promissory note and disclosure statements for specific information regarding your loan.

Eligibility:

  • Must meet the federal student aid eligibility requirements.
  • Must demonstrate financial need and be from a disadvantaged background as defined by the U.S. Department of Health and Human Services. An individual from a disadvantaged background is defined as someone who:
    • comes from an environment that has inhibited the individual from obtaining the knowledge, skill and abilities required to enroll in and graduate from a school; or
    • comes from a family with an annual income below a level based on low-income thresholds according to family size published by the U.S. Bureau of the Census, adjusted annually for changes in the Consumer Price Index, and adjusted by the Secretary of Health and Human Services for adaptation to this program.
  • Must be enrolled full-time in one of the following programs:
    • Doctor of Allopathic Medicine
    • Doctor of Osteopathic Medicine
    • Doctor of Dentistry
    • Bachelor or Doctor of Science in Pharmacy
    • Doctor of Podiatric Medicine
    • Doctor of Optometry
    • Doctor of Veterinary Medicine
  • Must not be in default on any federal student loan or owe on a federal student grant.
  • Continuing students must meet the CU Anschutz Satisfactory Academic Progress (SAP) standards.

Features:

  • 5% fixed interest rate per annum.
  • Eligible for Federal Loan Consolidation.
  • This loan may be canceled due to death or permanent disability of the borrower.
  • Loans may be deferred for the following reasons (see promissory note for details):
    • Active duty military
    • Peace Corps volunteers
    • Enrollment in a baccalaureate or graduate nursing program
    • Advanced professional training beyond first diploma or degree in nursing

Loan Limits:

  • The annual award amount varies depending on availability of funds.
  • There is no lifetime aggregate limit.

Additional Information/Requirements:

  • You must provide parental tax information that will be used to determine your overall need and if you come from an “economically disadvantaged” background. This is a requirement for ALL students without regard to the student’s age, tax, marital or dependency status and cannot be waived. In cases where you parents refuse to provide income information, an affidavit documenting such refusal cannot be accepted in lieu of the required information. Students whose parents are deceased are exempt from this requirement. However, a copy of the parent’s death certificate must be provided.
  • Complete loan requirements, including promissory note, Rights and Responsibilities documents and Self-Certification form, on the Heartland ECSI website. You will receive an email via your University Webmail account arrive in your inbox, please check your spam/junk folder.
  • Students must complete Loan Exit Counseling with Heartland ECSI upon graduation or dropping below half-time enrollment.

Repayment:

  • Repayment is deferred and there is no interest charged while you are enrolled at least full-time in an eligible health professions program. You may also request a deferment if you participate in one of the following activities:
    • Service in the active duty military;
    • Volunteer in the Peace Corps;
    • Pursuing advanced professional training, including internships and residencies;
    • Leave of absence from the university to pursue related educational activity; or
    • Participate in a fellowship training program or a full-time educational activity directly related to your health profession
  • A forbearance or renegotiation may be granted if you are unable to make payments but do not qualify for any of the above deferments.
  • Grace Period: Repayment begins 12 months after you are no longer enrolled at least full-time.
  • Minimum monthly payment is $40.
  • The standard repayment period is 10 years. The maximum repayment period of 25 years.

Lender and Loan Servicing:

The University of Colorado Anschutz Medical Campus is the lender for this loan. Heartland ECSI provides loan servicing for all of our institutional loans. The loan servicer collects payments, responds to customer service inquiries, and performs other administrative tasks associated with maintaining the loan on behalf of the lender. Please keep your address and phone number updated with you lender and loan servicer.

Questions?:

If you have further questions regarding your Loans for Disadvantaged Students Program, please contact Heartland ECSI or the CU Anschutz Student Debt Management Office.

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