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New Student Financial Aid Instructions: 2022 - 23

The instructions below are also available for download

2022 - 23 New Student Instructions (PDF)

FAFSA Application

Complete the 2022-2023 FAFSA. The medical school shares a federal school code (003125) with the University of Cincinnati main campus.  

If you filed a federal tax return for 2020, 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.


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 "Would you like 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.

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 the UCCOM Financial Aid Application at MedOneStop. 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, 2021 and February 15, 2022.

2020 Federal Tax Returns

If you apply for need-based aid, you also must submit SIGNED copies of 2020 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 2020, you must complete the 2022-23 Tax Waiver Statement, available on our website under Forms.  Signed documents may be uploaded to MedOneStop (select Financial Aid > Financial Aid Document Upload).  Students applying for federal loans only may skip this step.

Application Deadline


The deadline to complete the financial aid application process outlined above is February 15, 2022.  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.

Federal Student Loans

Federal student loan funds for medical students nationwide are lent by the U.S. Department of Education through the Direct Loan Program.  If you expect to borrow under this program then complete an online loan counseling session by mid-July at FederalStudentAid, then choose the "Graduate or Professional Student" option.
Annual Student Loan AcknowledgmentDirect Loan borrowers must annually complete the U.S. Department of Education's "Annual Student Loan Acknowledgment" before receiving funds each year.  Complete this step at FederalStudentAid in addition to the steps described below. (Salary information and "College Scorecard" data presented may reflect undergraduate student information.  Lifetime aggregate borrowing limits on the Direct Unsubsidized Loan for MD students are $224,000 - higher than reported in the ASLA)
Federal Direct Loan Master Promissory Note(s)

New borrowers of Direct Loans must also complete a loan agreement known as a Master Promissory Note (or MPN).  For the Direct Unsubsidized Stafford Loan, go to FederalStudentAid and 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 NotificationBy July you will receive an email notification from the UCCOM Office of Student Financial Services when your official financial aid 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 in Catalyst

Accepting Federal Direct Loans

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 2022 semester and then at the start of the spring 2023 semester.  We recommend you borrow conservatively and then request an increase from the 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 scholarships and loans.


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 and may be uploaded to MedOneStop (select Financial Aid > Financial Aid Document Upload) after completed.  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 2022 semester and then at the start of the spring 2023 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.


Contact Us

Medical Student
Financial Services

Medical Sciences Building
231 Albert Sabin Way
PO Box 670552
Cincinnati, OH 45267-0552

Mail Location: 0552
Phone: 513-558-6797
Fax: 513-558-1100