Financial Aid for U.S. and Canadian Students in the M.D. Program
Welcome Students from the United States and Canada
Medical University of Silesia (SUM) understands that planning how you are going to pay for your medical education is an important and sometimes daunting process. While most of our students use a combination of family contribution, private grants and scholarships, some students also consider student loan programs as an option to pay for part or all of their educational expenses. It is advisable for all students - including those who have applied for financial aid - to bring sufficient funds with them to cover their initial month's living expenses.
The Financial Aid Office (FAO) is located in the Deans Office. The FAO staff is well versed on the proper management on a number of financial assistance programs that may be available to you. To supplement our efforts we provide convenient electronic processing of loans through our Virtual Financial Aid Office. Specialized counseling is provided by a U.S. based Financial Aid administrator who provides both U.S. and Canadian students with ongoing assistance in financial planning, budgeting, application completion; and management of your debt. Contact information for each of these contacts is listed below.
Programs for U.S. Students:
U.S. Federal Direct Loans:
The Medical University of Silesia (SUM participants in the U.S. William D. Ford Federal Direct Loan Program (“Direct Loans”) for U.S. citizens and eligible non-citizens. Students accepted for admission to Medical University of Silesia and those who are enrolled at least half time and maintaining standards of satisfactory academic progress may apply for Direct Loans to meet direct and indirect educational expenses. The maximum loan amount for which a student is eligible may not exceed the cost of attendance for the academic period in which the student is enrolled, as defined by SUM. The Cost of Attendance can be found under the Student Consumer Information section of this website. The following information has been designed to assist students in understanding the Federal Direct Loan program and provides a step by step guide to the application process at SUM.
- Direct Loan Program Facts
- Guide to Applying for the US Federal Direct Loan Program at SUM 2013-2014
- Attendance and Withdrawal
- Satisfactory Academic Progress
- Return of Title IV Funds and Refund Policy
Students must ensure that the University Registrar's Office has a clear copy of their US Passport or Permanent Residence Card as well as Driver's License and Social Security card on file.
Students must inform the Dean's Office about any changes in the contact data. All information will be sent to the email address on file.
Private Education Loans:
Smart Option Loans
Sallie Mae offers Medical University of Silesia students the SMART OPTION LOAN which is a private loan that may be competitive in interest and fees with the PLUS and GRAD PLUS loans in some circumstances. The interest charged on these loans varies according to the borrower’s credit rating. In many instances, students find it financially advantageous to provide a cosigner or endorser on the loan application. You can find out more about these loans at
Although other private lenders offer US students credit based loans, at this time, it is our understanding that only Sallie Mae offers their private loans to U.S. students studying outside of the United States.
Programs for Canadian Students:
Canada Student Loan Program
Canadian students attending Medical University of Silesia may apply for the Canada Student Loan Programs. Application is made through the student’s provincial ministry of education. Students are also eligible for tax credits. Further information can be found at http://www.canlearn.ca/eng and by contacting Jane Sutter of FAS.
Private Education Loans:
Most major Canadian banks offer educational loans to Canadian students attending medical school at approved schools outside of Canada. When attending medical school outside of Canada or United States, a co-signer (endorser) is required. If you need assistance in locating private loans from Canadian banks please contact Ms. Jane Sutter at FAS.
Financial Aid Office Contacts: