Préstamo para graduados de Harvard

Límites de los préstamos

Escuela de Medicina de Harvard

2025-2026 

• Master’s Degree program: The maximum loan amount is based on your cost of attendance minus other aid, not to exceed $25,000 for the 2025-2026 academic year. You may be conditionally approved for a higher amount, however, the maximum amount you can borrow in this loan program at HMS is $25,000. 

• MD program: The maximum loan amount is the cost of attendance minus other aid, not to exceed $75,000. 

2026-2027 

• Domestic Students: The maximum loan amount is the cost of attendance minus other financial aid received. 

• International Master’s Degree Students: The maximum loan amount is the cost of attendance minus other aid, not to exceed $30,000 annually for the 2026-2027 academic year. You may be conditionally approved for a higher amount, however, the maximum amount you can borrow in this loan program at HMS is $30,000. 

Interested applicants must speak with an HMS financial aid officer before applying for this loan. 

Información de contacto de la escuela:
Escuela de Medicina de Harvard
25 Shattuck Street Rm 211
Boston, MA 02115-6092

financial_aid@hms.harvard.edu
Teléfono 617-432-0449
Fax 617-432-4308

Características principales

• Competitive fixed rate options
• 0.25% interest rate reduction for automatic recurring payments
• No cosigner required (0.25% interest rate reduction with qualified cosigner)
• Immediate conditional approval
• Full deferment while enrolled at least half-time in a Harvard University graduate program
• 9-month grace period
• No prepayment penalties
• U.S. bank account included with loan (at no additional cost)
• Convenient loan closing locations throughout Harvard University campuses
• Harvard FCU loans are eligible for JD LIPP, subject to LIPP guidelines, and other Harvard LRAP programs (10 year loan term required)

Por favor, revise la divulgación completa del programa para obtener más información sobre las tasas y el costo del préstamo.

Se aplican términos y condiciones. Para cumplir con los requisitos, el prestatario debe ser aceptado o estar inscrito en una escuela de posgrado de Harvard que reúna los requisitos, al menos a medio tiempo, y debe cumplir con todos los requisitos de suscripción y documentación. Usted es un prestatario nacional elegible si es ciudadano estadounidense o residente permanente. Todos los prestatarios internacionales deben pasar un control de la OFAC, y no se aceptarán solicitudes de residentes o ciudadanos de países sancionados por la OFAC.

1. Interest Rate & APR. Your interest rate is determined by the term option you select. You may receive a lower rate if a qualified cosigner is associated with your application. The APR assumes you are enrolled for 48 months, have a 9 month grace period before repayment begins, and the lowest rate accounts for having a qualified cosigner associated with your loan. Interest is charged daily throughout the life of the loan, beginning the first date of disbursement, during school, through any grace or deferment period, and ending when the loan is paid in full. You are not required to make payment on your loan while enrolled in school and during your grace period, however you can make principal and interest payments at any time. Harvard FCU does not accept principal only payments. All payment are first applied to fees, interest, and then principal. Calculations are estimates only. Actual rates and payment information may vary based upon applicable terms.

Loan Example: Repayment examples are based upon a borrower and qualified cosigner, and include a cosigner discount of 0.25%. Other assumptions include 4 years in school, and a 9-month grace period. Borrowing $10,000 at 7.25% APR and 5 year term, results in 6.59% APR, monthly payment of $267.83, finance charge of $6,069.80 and total repayment of $16,069.80. Due to the in-school and grace period, the APR is lower than the interest rate.

2. AUTO-PAY. In order to be eligible for the 0.25% interest rate reduction for automatic payments, you must be signed up for automatic payments through University Account Service (UAS). Payment must be set-up from a U.S. bank account. If at any-time automatic payments are stopped, the rate discount will not be applied. The discount will not reduce the monthly payment amount but will help you pay down the loan faster. Auto-pay is not required to obtain a loan. Harvard FCU reserves the right to change rate discounts at any time.

3. DESCUENTO POR COSIGNATARIO. Para poder beneficiarse del descuento por cofirmante, éste debe cumplir con los requisitos de suscripción y crédito.

4. PRIME RATE. All current Harvard FCU products offer a fixed interest rate. Variable and hybrid rate education loans reprice quarterly in January, April, July, and October based on the prime rate published on the 1st of the preceding month. The prime rate of the last repricing was 6.75%, adjusted on April 1, 2026.

5. MEMBRESÍA. La membresía en la Cooperativa de Crédito requiere un depósito mínimo de $5 en una Cuenta de Ahorros de Acciones. Los prestatarios de préstamos educativos deben ser el titular principal de la cuenta para cumplir con el requisito de membresía.