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MD Program

Annual Loan Limits & Disbursement Dates

Morsani College of Medicine Doctor of Medicine (MD)

This page provides information regarding the earliest possible financial aid disbursement dates and Federal Direct Unsubsidized Loan borrowing limits for the 2026–2027 academic year.


2026–2027 Federal Direct Loan Limits

Federal Direct Unsubsidized Loan borrowing limits and Graduate PLUS Loan eligibility for the 2026–2027 academic year may vary based on applicable federal regulations and individual student circumstances.

  • Disbursement dates represent the earliest date financial aid funds may be applied to a student's account for the applicable enrollment period.

    Actual disbursement timing may vary based on enrollment verification, financial aid processing, completion of outstanding requirements, and applicable federal regulations.

    Once financial aid funds have been applied to a student's account and institutional charges have been satisfied, Student Accounting Services will issue any eligible refund in accordance with university procedures.

    Students borrowing federal loans must complete all applicable federal loan requirements before funds can disburse.

  • Fall 2026

    Spring 2027

    Summer 2027

    1st Year (MD 2030 - Core)

    7/27/2026

    1/4/2027

    5/17/2027

    2nd Year (MD 2029 - Core)

    7/27/2026

    1/4/2027

    N/A

    3rd Year (MD 2028 - Core)

    6/8/2026

    1/4/2027

    N/A

    4th Year (MD 2027 - Core)

    6/8/2026

    1/4/2027

    N/A

    4th Year (MD 2027 - Select)

    6/8/2026

    11/23/2026

    N/A

    Please note: The dates listed above represent the earliest possible disbursement dates. Individual circumstances may affect the actual timing of financial aid disbursement.

  • Students who meet federal eligibility requirements under interim exception provisions may qualify for the following borrowing options.

    Students Eligible for Interim Exception Provisions

    CORE Unsubsidized Loan Limit

    SELECT Unsubsidized Loan Limit

    Grad PLUS Eligibility

    2nd Year (2029)

    $42,722

    N/A

    Up to Cost of Attendance

    3rd Year (2028)

    $47,167

    N/A

    Up to Cost of Attendance

    4th Year (2027)

    $44,944

    $44,944

    Up to Cost of Attendance

  • Students subject to revised federal borrowing limits may qualify for the following borrowing options.

    Students Subject to Revised Federal Borrowing Limits

    CORE Unsubsidized Loan Limit

    SELECT Unsubsidized Loan Limit

    Grad PLUS Eligibility

    1st Year (2030)

    $50,000

    $50,000

    Not Eligible

    2nd Year (2029)

    $50,000

    N/A

    Not Eligible

    3rd Year (2028)

    $50,000

    N/A

    Not Eligible

    4th Year (2027 CORE & SELECT)

    $50,000

    $50,000

    Not Eligible

  • Federal student loan eligibility is determined based on federal regulations, enrollment information, borrowing history, and other applicable eligibility requirements. As a result, borrowing options available to one student may differ from those available to another student in the same academic year.

    Students with questions regarding their federal borrowing eligibility are encouraged to contact the USF Health Office of Financial Aid for assistance.