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Policies and Procedures



Date or Authority


(A): The amount of tuition deferred shall equal two-thirds of the tuition chargeable to the student


(B): The "Tuition chargeable to the student" shall be the tuition chargeable for the entire academic year, adjusted whenever applicable to reflect any tuition refund given or tuition not charged in the event that the student withdraws from UMMS prior to completion of the academic year in which the student incurs the Learning Contract obligation.


(C): All students have the option of paying full tuition each year and thus not incurring any obligation for monetary or service pay back. In this case, they are not required to sign the Learning Contract.


(D): If a student is entitled to a tuition refund due to having withdrawn early in the semester, the deferred tuition is reduced by the same percentage. Conversely, if any portion of tuition is not subject to refund, the same percentage of deferred tuition is still owed.


Due Date

For students matriculating between 1978 and 1990: No later than the earlier of (1) two years following completion of advanced training, i.e., residency or medical fellowship, or required service for recipients of military or public health scholarships while enrolled at UMMS (but not recipients after leaving UMMS) or (2) separation from UMMS

Promissory note

For students matriculating after 1990: No later than the earlier of (1) six months following completion of advanced training, i.e., residency or medical fellowship or required service for recipients of military or public health scholarships while enrolled at UMMS (but not recipients after leaving UMMS) or (2) separation from UMMS

Separation Date (date complete degree requirements or withdraw)

For fourth-year students enrolled in the final spring term before graduation, the date is the last Friday before Commencement

School Calendar

For students withdrawing from UMMS, the separation date is the date of withdrawal established by the Registrar's Office; the separation date for other loans may be different if students took leaves of absence.


As long as borrowers provide accurately completed Deferment Forms, payment may be deferred as long as they participate in advanced training, i.e., residency or medical fellowship

Promissory note

Any student enrolled in military or public health service scholarship programs while enrolled at UMMS and having a deferred tuition obligation under the Learning Contract, regardless of the amount, may defer payment during periods of military or public health service required of the scholarship program. Additional periods of re-enlistment qualify for deferment.


Borrowers who enroll in military or public health service programs at or after graduation may not defer payments on their Learning Contract while engaged in military or public health service.


Students who withdraw from UMMS to matriculate at another medical school may defer payment while enrolled in medical school and while pursuing activities that qualify for deferment for graduates of UMMS.


Enrollment in a seminary does not qualify for deferment.



Each hardship case must be reviewed individually; deferments are granted at the Dean's discretion


The LCAG voted to develop a hardship policy for "temporary total disability."


Monetary Payment

Students not completing an MD degree at any medical school must pay with money.


Students not able to find employment eligible for service payback must pay with money.

Promissory note

Students beginning but not completing service payback must pay all deferred tuition and accrued interest with money.

Promissory note

Students matriculating before 1991 are billed 10 annual payments @ 1/10th the total. No interest accrues.

Promissory note

Students matriculating after 1990 are billed 96 monthly (8 years) payments.

Promissory note

Borrowers need to ask University Accounting Service to capitalize interest at the end of the 6-month post deferment grace period following completion of advanced training.


Penalties and late charges are assessed when payments are not received on time.

Promissory note

Service Payback

Each borrower's Learning Contract, typically executed during initial registration, stipulates the length of time required for service payback and types of eligible service. Terms may vary, depending on date of matriculation.

Promissory note

Students matriculating before 1991 who interrupt or do not complete residency training, but perform appropriate service for the required length of time, may pay with service, providing the service satisfies the intent of the Learning Contract, i.e., require an MD degree, be in an area of medical practice, research, or other related service, and not be part of the training process.


This borrower is not required to complete an internship, can work in a non-patient care position related to primary care (The alum must demonstrate.), and is not required to pass Part III of the USMLE.


Full-time employment is defined as 40 hours per week for 52 weeks per year. Vacation is considered earned time.


When a leave of absence not exceeding 3 months is taken for maternity or sick leave, a comparable length of time will be added to the initial ending date of service payback.


When less than full-time employment is used for service payback, the total length of time may not exceed twice the time stipulated on the borrower's individual contract. Students matriculating before 1990 may take a maximum of 2 years; students matriculating between 1991 and 1994 may take a maximum of 4 years; students matriculating after 1994 may take a maximum of 8 years working part-time (at least 20 hours a week) to satisfy repayment obligations.


A borrower can provide service by working concurrently at more than 1 site


A borrower can switch from monetary payback to service payback when changing from non-qualified to qualified employment. Any money due before beginning service payment will be retained by the Commonwealth; the balance is eligible for service payback.


Borrowers having difficulty with the annual payment may have 3 - 6 monthly payments after the due date to bring accounts current.


A borrower cannot provide service by moonlighting.


Employment as a hospitalist does not qualify as primary care.



Although the Learning Contract does not specifically state that the obligation will be cancelled if the borrower dies, the Attorney General's Office has indicated it does not wish to pursue payment from the estates of deceased individuals.


The LCAG voted to develop a policy for cancellation in cases of "permanent and total disability."


Cancellation for financial hardship is not an option.