Ibn Alnafis MD

10+ Year Member
Dec 26, 2008
Where the past and the future intersect
Resident [Any Field]
I am going through some financial difficulties, and I am considering taking an undergrad student loan.

My question is:

If I go ahead and get a loan right now, will I still be eligable to obtain federal loans later when I apply to med school? will my repayments for the undergrad loan deffer until I finish med school?


Senior Member
Moderator Emeritus
Gold Donor
10+ Year Member
Jun 12, 2006
Attending Physician
You will be fine. Stafford federal loans will defer until you are finished with school out of deferment. Private loans are a different matter and it depends on your terms. Either way, any unsubsidized loan will be gaining interest (without capitalization) during school even in deferment. This means that interest is accruing but is not being added to the balance you are borrowing (not compounding). Subsidized Stafford loans do not gain interest during school.
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