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The application period for Spring 2023 semester ends on December 23rd, 2022. No applications will be accepted after that.

Upon requesting the loan application and consent forms, Delta emails you and your co-signer an electronic application as well as a non-refundable $100 application fee. Payment options are included in the invoice.

Please submit your completed application, consent forms, and payment of $100 by Friday, December 23rd, 2022. If approved, students must sign and submit the Delta promissory note.

During the application process, you and your co-signer are provided with various disclosures regarding costs and fees and given the opportunity to reconsider proceeding with the loan.

Saint James School of Medicine’s Finance Department is happy to answer any questions you may have about the loan application process. Just submit a ticket to Financial Helpdesk. Or contact Delta directly at


Prospective Students Current Basic Sciences Students Current Clinical Sciences students
Status at application Reserved a seat/enrolled Current student Current student
Academic Criteria Based on academic standing 3.0/4.0 GPA Passed USMLE Step 1 exam
Co-signer required Yes Yes Yes
Minimum payment to Delta Interest only Interest only Interest only
Maximum benefit per semester $4,500 $4,500 $4,200
Full payoff begins 6 months after graduation or on 51st month of initial enrollment in Basic Sciences program*
Payoff term 10 years
Interest Rates Interest rates will vary based on the above criteria.
Continuing eligibility Student must maintain 3.0 GPA, must pass USMLE step 1 within 4 months of completion of the Basic Sciences program, must be in good academic standing, must maintain Hospital surcharge payments as well as difference in tuition payments to the school and must be in good standing with Delta.

Students who have repeated courses and/or failed a course are not eligible for Delta.

*If a student transfers or leaves before completing the program, loan payoff begins immediately. If a withdrawing/transferring student is due a refund, the refund will first be applied towards any outstanding balance with Delta Financial Solution, Inc.


  • Other application requirements

    • You must be enrolled as a student of Saint James School of Medicine.
    • You must have a GPA of at least a 3.0* in your studies at Saint James School of Medicine or during your last 90 credit hours at your previous school.
    • You must have a co-signer for your loan. Your co-signer will assume full responsibility for payment of your loan in the event that you are unable to pay.
    • You must supply an accurate gross income for yourself.
    • You must provide an accurate household income for your co-signer.
    • Both you and your co-signer must have a Credit Score above 600**.

    *This is the minimum GPA to apply.

    **This is the minimum credit score to apply. Meeting this score does not automatically mean approval. Approval is based on several criteria and only students that meet all the criteria will be considered.

    Request an application form

    Please complete all the fields in the form below to request an electronic application form. When you submit your form we will email you and your co-signer an electronic application form.

  • MM slash DD slash YYYY
  • (e.g. Spring 2014)
  • (e.g. Fall 2010)
  • This field is for validation purposes and should be left unchanged.

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