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Guide for Federal Health Professions Loans and Loans for Disadvantaged Students

About Federal Health Professions Loans and Dental Loans

Federal Health Professions Student Loans (HPSL) and Loans for Dental Loans (LDS) are available to students who enroll full-time in a qualified health profession program and who demonstrate financial need. Students eligible for this type of loan will be notified by our office with further instructions and application materials to help determine final eligibility.

Health Professions Loans and Loans for Dental Loans carry a 5% fixed interest rate, all interest is paid by the federal government while enrolled in your degree program at least half-time, and repayment does not begin until 12 months after you graduate, leave school, or drop below half-time status.

Accepting or Reducing HPSL and LDS

The Federal Health Professions Loans and Dental Loans will be automatically included in your financial aid award once you are determined eligible. You can view the accepted award on your Connect Carolina Student Services Center.

To reduce or decline the award, please look under Finances for the Accept/Reduce/Decline awards hyperlink.

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Completing Entrance Counseling/Promissory Note

First-year students or first-time borrowers of these loans are required to sign a Master Promissory Note (MPN) and complete student loan entrance interview counseling. The MPN and loan counseling can be completed online at ecsi.net/promj6. It could take up to 10 business days for your MPN to be available for signature on the ECSI website.

Please note when completing the MPN, you will be asked the following:

1.) Student’s cost of attendance for the period of enrollment covered by the loan.

To find this, please log into ConnectCarolina, navigate to the finances section, and click View financial aid.


Select the appropriate aid year

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Select Need Calculation Summary



Estimated Student Budget



2.) Estimated Financial Assistance for the period of enrollment covered by the loan

Navigate to your financial aid award for the appropriate aid year

To find the estimated financial assistance, use the academic year total aid and subtract the amount of the Health Professions Loan or Loan for Disadvantaged Student.


Repayment for HPSL and LDS

The University Cashier’s Office handles the promissory notes and repayment for the HPSL and LDS loans. Please visit their website for a complete step-by-step guide.