UNT Health Institutional and Campus-Based Loans
Institutional loans are loans in which UNT Health Fort Worthis the lender. All institutional loans must be within the student’s Cost of Attendance. Loans are awarded on a first-come, first-served basis, depending upon student need and available funding.
Etta Newby Loan
2025-2026 Etta Newby Pre-Application
Please allow 5-7 business days for processing
Eligibility
- Must be a Texas native and Resident (born and raised in Texas) and/or graduated from a Texas high school
- Must be enrolled full-time
- Must have financial need and accept the full Federal Subsidized and/or Unsubsidized Stafford Loan offered for the aid year
- Maximum eligibility is $4,000/year (lifetime limit is $8,000)
Loan Terms
- 0% fixed interest rate
- No origination fees
- Repayment begins 12 months after student ceases to be enrolled full-time
- Student will agree to repay $30 per month for every $1,000 borrowed until the principal has been paid
- NOT eligible for consolidation with Unsubsidized Stafford loans.
Primary Care Loan (PCL) – For TCOM students only
Please allow 5-7 business days for processing
Eligibility Requirements
- For full-time medical students committed to practicing in Primary Care
- Must have financial need (as determined by student, spousal and parental information)
- Funds must be awarded within student’s yearly Cost of Attendance
- 1st, 2nd and 3rd year TCOM students are eligible for awards up to $10,000. 4th year TCOM students are eligible for awards up to $20,000
- Awarded first come, first served to eligible students until funding is exhausted
Loan Terms
- 5% fixed interest rate if in compliance with promise to practice in Primary Care
- No origination fees
- 10-year repayment beginning 12 months after student graduates or drops below half-time
- Interest does not begin to accrue until 12-month grace period has ended
- NOT eligible for consolidation with Unsubsidized Stafford loans
Application Process
- Complete the UNT Health Pre-Application for Primary Care Loan and submit to the Financial Aid Office
- The Financial Aid Office will determine eligibility based on student and parental need as determined by the required documents
- Additional paperwork will be required if you are eligible
Resources
- Resource Sheet for Title VII and Title VIII Funding.
- More information on this loan program is available.
Loan for Disadvantaged Students (LDS) – For TCOM students only
Currently unavailable – funding has been fully awarded
Please allow 5-7 business days for processing
Eligibility Requirements
- For medical students from a disadvantaged background
- Must have need (as determined by student, spousal and parental information)
- Funds must be awarded within students yearly Cost of Attendance
- 1st, 2nd and 3rd year TCOM students are eligible for awards up to $10,000. 4th year TCOM students are eligible for awards up to $20,000
Loan Terms
- 5% fixed interest rate
- No origination fees
- 10-year repayment beginning 12 months after student graduates or drops below half-time
- Interest does not begin to accrue until 12-month grace period has ended
Application Process
- Complete the UNT Health Pre-Application for Loans for Disadvantaged Students and submit to the Financial Aid Office
- The Financial Aid Office will determine eligibility based on student and parental need as determined by the required documents.
- Additional paperwork will be required if you are eligible
Resources
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