Hey Unagi,
First of all welcome to the Upenn tread. Good to see another Penn person here that we can get to know before school starts!
To try to answer yourquestion the best of my knowledge. The first loan is the stafford loan which will cover $38,500of ourcosts, obvioulsy we still have some to makeup. I know that based on your circumstances Penn does give a lot of grants to make up the rest. Your next alternative is the health professions loan given by the government. It does have a higher rate than the stafford loan, but Penn might also pay the interest on that while in school (not sure) . If they wont or if you are worried about the higher interest after school, a private loan may be a better route to go, becuase of how low the rates are. Personally I would reccomend calling the Penn fianancial office as they are supposed to help you get as much money as you need. I know a few other people on this board were havingthesame question, so maybe they can help you out a little more.