I know most medical students take out loans to pay for their education. Certainly, I will need to do this if I matriculate into medical school, since I do not have enough money to pay for the entire experience. Can someone please explain to me how to do this (get loans for medical school)? How do you apply for loans, when do you do it in the timeline of your medical school career, and how much money can you get? Moreover, is your loan rate dependent on your (family) annual income? I've been told that virtually no medical schools offer scholarships that aren't need based.