TMA Student Loans - Loan Application

Choose Your Application

Select the loan type that matches your current training stage to see requirements and begin.

Medical Student Application

For Texas medical students enrolled full-time in an accredited MD or DO program.

MD / DO Programs

Up to $6,000 per fund
Fixed 4.4% interest rate for the life of the loan
No origination fees or penalty for repaying early
Deferred repayment

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Resident Physician Application

For resident physicians in any year of postgraduate training in an accredited Texas program.

Any Post-Graduate Year

Up to $6,000 (SET Fund) or $3,000 (Palmer Fund)
Fixed 4.4% interest rate for the life of the loan
Principal repayment begins two years after disbursement
Deferred repayment

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Prepare for a Smooth Application

Completing this checklist before you begin will help ensure your application is processed as quickly as possible. Incomplete submissions are the most common cause of delays.

Confirm you meet all eligibility requirements for your selected loan fund
Gather all required documents before beginning to prevent delays
Review the fixed interest rate and repayment terms for your loan type
Submit completed online application for consideration

Eligibility at a Glance

Medical Student

Attending a TX medical school
Currently enrolled full-time
Pursuing a Doctor of Medicine degree

Resident Physician

Currently participating in an accredited Texas residency program
Satisfactory credit history
Meet the loan fund requirements

Familiarize Yourself with the Application

Application & Promissory Note

View a sample of the official loan application and repayment agreement terms.

Student sample Resident sample
Self-Certification

A federal form required for private education loans. TMA supplies it as part of your application packet.

View a sample
Solicitation Disclosure

View a sample of the mandatory loan terms, interest rates, and fee disclosure document.

View a sample

From application to funding in 5 simple steps

A straightforward process from online application to disbursement — here is what to expect along the way.

A physician reviewing an application with three medical students

Apply Online

Complete your online application and securely e-sign the required promissory note to begin the review process.
Verify Eligibility

Submit the required enrollment or residency verification documents along with any supporting application materials.
Meet With a Trustee

Meet with a physician interviewing trustee virtually, by phone, or in person to review your application.
Review Approval

Take a moment to review your approval disclosure and agree to the loan terms.
Receive Your Funds

Upon approval, loans are disbursed as direct deposit within approximately two (2) weeks.