i'm sure rutgers will be talking to you about financial aid at some point and how they do things there, but as a general rule: for a student with a degree, if you are taking undergrad classes working towards a certificate or another undergrad degree, you can only borrow $5,500 as a dependent or $12,500 as an independent federally. so the rest of the $$ to finance the school would be through an independent loaner (citibank, bank of america, etc. etc. etc.). if you were to go over the limit in med school sometime anyways (which is a likely possibility, one i am expecting) you'll be doing the private loan thing there too.