Federal Direct Unsubsidized Student Loans

The loan limit is $20,500 to $47,167 (based on length of enrollment period) Interest is charged during the in-school period. As of 7/1/22 the interest rate is 6.54% and a fee of 1.057% is deducted at disbursement. Interest rates change every July 1. Need analysis (FAFSA) is required.

Amount of unsubsidized loans by program and year
Program/Year Unsubsidized
D.O.'23 $47,167
D.O.'24 $42,722
D.O.'25 $42,722
D.O.'26 $42,722
D.P.M.'23 $47,167
D.P.M.'24 $42,722
D.P.M.'25 $42,722
D.P.M.'26 $44,944
D.P.T.'23 $20,500
D.P.T.'24 $20,500
D.P.T.'25 $20,500
PA'23 $20,500
PA'24 $20,500
MSA Year 2 $20,500
MSA Year 1 $20,500
MBS Year 2 $20,500
MBS Year 1 $20,500
MHA $33,000
MPH $33,000

The aggregate limit for and unsubsidized loans is:

  • D.O., D.P.M, M.H.A., and M.P.H. is $224,000
  • All other programs $138,500

Students cannot exceed these limits.

Federal Direct GradPLUS loan

Maximum cost of attendance budget minus all other financial aid resources. As of 7/1/22 the interest rate is fixed at 7.54%, accrues in school and a fee of 4.228% is deducted at disbursement. Rates change every July 1. FAFSA is required.  A credit check will be performed by the Department of Education.  For Direct Grad PLUS loan applicants with adverse credit, you will be required by the Department of Education to do additional Direct Grad PLUS loan counseling.  You will be notified by the Department of Education if you need to complete additional Direct Grad PLUS loan counseling.  If required, the loan will not be disbursed until this is complete.

Federal Super Primary Care loan

Obtained by applying through the University. Available only to fourth-year D.O. students who agree to complete a primary-care residency and practice in primary care until the loan is paid in full. This is a federal government loan that is based on exceptional financial need. The interest rate is fixed at 5 percent and interest does not accrue during school or residency. The loan amount is up to $100,000 and loan proceeds are used to pay off prior years DMU medical school loans. All fourth-year D.O. students are notified of loan requirements, application procedures, and deadline information if funds are available. Limited funds.

Residency and relocation loans

Available to students in their final year of study. These alternative/private loans are designed to provide students with additional funds to help offset the expenses associated with travel and relocation costs for interviews, etc. These loans require a credit check and do not require the financial aid office to certify the application, so they do not count toward your student expense budget. Before you utilize one of these programs, please verify that you have exhausted eligibility in other financial aid programs with the financial aid office.

Refund advance

Des Moines University has refund advances available to students facing a short term financial crisis. Advances given out by the Accounting Office will be deducted from the student's next scheduled loan disbursement. Some restrictions may apply. Incoming students are not eligible.  Contact the Accounting Office for details & an application at Accounting.StudentAR@dmu.edu

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