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Medical Student Financial Services

New Student Financial Aid Instructions:  2021 - 22

The instructions below are also available for download - 21-22 New Student Instructions

The Free Application for Federal Student Aid (FAFSA)

Complete the 2021-2022 FAFSA at The medical school shares a federal school code (003125) with the University of Cincinnati main campus.

Students who wish to receive consideration for UCCOM institutional need-based scholarships and/or need-based loans must include parental information on the FAFSA.  Answer 'Yes' to the question "Do you want to answer questions about your parents?" found in the Dependency Status section of the FAFSA.  Students who respond 'No' will still receive full consideration for federal student loans.

IRS Data Retrieval Tool

If you filed a federal tax return for 2019, you should use the IRS data retrieval tool (IRS DRT) when you complete your FAFSA.  To do so, click the 'Link to IRS'  button when prompted in the Financial Information section of the FAFSA.  Applicants who do not utilize the IRS data retrieval process and are later selected for Verification will have to request a tax transcript from the IRS or document their status as a non-filer.

Statement on FAFSA and Divorced or Separated Parents

Students who wish to be considered for institutional need-based financial aid must supply parental information on the FAFSA. If your parents are divorced or separated and don't live together, answer the questions about the parent with whom you lived more during the past 12 months (and include your stepparent if that parent is remarried).  If you did not live with one parent more than the other over the past 12 months, give answers about the parent who provided more financial support during the past 12 months or during the most recent year that you actually received support from a parent.

UCCOM Financial Aid Application


Complete this application at Login using your ID and password and follow the links under "Financial Aid".  When the application is complete, click "Submit" to upload to the College of Medicine Office of Student Financial Services.  Submit this application between November 15, 2020 and March 1, 2021.

2019 Federal Tax Returns

If you apply for need-based aid, you also must submit SIGNED copies of 2019 Federal Tax Returns (i.e. 1040 with all schedules) and W-2's for yourself, your parents and your spouse if you are married to the College of Medicine Office of Financial Services.  If you, your spouse, or your parents did not file a federal tax return for 2019, you must complete the 2021-22 Tax Waiver Statement, available on our website under Forms.  Signed documents may be submitted via email (, fax (513-558-1100), or mail (address on webpage).

March 1, 2021 Application Deadline


The deadline to complete the financial aid application process outlined above is March 1, 2021.  Students with complete files by this date will receive email notification in April when their estimated award letters are ready to view online.  Applicants accepted to the College of Medicine after mid-February will be given appropriate deadline extensions.

Check Your Application

You can check on the status of your application at inside the portal under "Checklist".

Entrance Loan Counseling

Federal student loans are lent through the Direct Loan Program.  If you expect to borrow under this program then complete an online loan counseling session by July at under 'Complete Aid Process' and then 'Complete Entrance Counseling'.
Annual Student Loan Acknowledgment Direct Loan borrowers must annually complete the U.S. Department of Education's "Annual Student Loan Acknowledgment" before receiving funds. This is a new requirement from the federal government taking effect with the 2021-2022 academic year. You will complete this step at under 'Complete Aid Process' in additional to the steps described below. 
Federal Direct Loan Master Promissory Note(s)

New borrowers must also complete a loan agreement known as a Master Promissory Note (or MPN).  For the Direct Unsubsidized Stafford Loan, go to and select 'Complete Aid Process' and then 'MPN for Graduate/Professional Students'.  Choose the Unsubsidized Loan option.

If you are also borrowing the Direct Graduate PLUS Loan navigate to the same page as above and choose the Direct PLUS Loan option.  (If you have a freeze on your credit report, be sure to first contact the three national credit bureaus to lift the freeze before completing this process).

 Award Offer Notification  In July, you will receive an email notification when your official award offer is available online for you to view and accept.  This notification will be sent to your UC email account and will direct you to the 'My Finances' tile at the following site: 

Accept Federal Direct Unsubsidized Stafford Loan

Upon viewing your official award offer in Catalyst, you may then accept online the amount of Federal Unsubsidized Stafford Loan funds you wish to borrow for the upcoming year.  Accept only what you are sure you will need.  The amount you accept as a first-year medical student will be divided into two equal halves that will disburse separately at the start of fall 2021 semester and then at the start of the spring 2022 semester.  We recommend students borrow conservatively and then request increases from their unused loan funds later in the year if needed.

Note:  Students that are awarded UCCOM need-based financial aid must accept a minimum of $20,000 from the Federal Direct Unsubsidized Stafford Loan during the same academic year in order to to receive their institutional funds.  Students who borrow less than the $20,000 requirement will forfeit any UCCOM need-based aid.

Accept Federal Direct Graduate PLUS Loan

If you need to borrow above the annual amount of your Federal Direct Unsubsidized Stafford loan, the next level of borrowing is the Federal Direct Graduate PLUS Loan. To receive this loan, you must submit a 'Grad PLUS Loan Request Form' to the College of Medicine Office of Student Financial Services.  It is available in the Forms section of our website. This form can be submitted throughout the academic year.  The amount you accept as a first-year medical student will be divided into two equal halves that will disburse separately at the start of the fall 2021  semester and then at the start of the spring 2022 semester.  If you do not initially accept your full eligibility, you may request additional funds later in the year.

Start-Up Expenses 

At the start of the school year, you should be prepared to meet expenses, such as security deposits for an apartment and utility set-ups, which you will incur before any financial aid refund becomes available. These one-time expenses may amount to as much as $2,000.