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We have partnered with Meritize to provide our students with financing options. With a Meritize loan, you can get credit for your merit and potentially improve your loan options by sharing your academic history, military background, or work experience.

Check your loan options in minutes without impacting your credit score at

Terms and Conditions apply. Meritize reserves the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must have a co-signer, be a U.S. citizen or permanent resident and meet Meritize’s underwriting requirements. If approved for a loan the actual loan amount, term, payment, and APR amount of loan that a customer qualifies for may vary based on credit determination, state law and other factors. Meritize does not warrant or guarantee any claims made herein.

Loan cannot exceed annual value of eligible tuition charges. No fees can be paid with the Meritize loan


Apply for Meritize Student Loan >


The Medinvest Private Student Loan Program is a credit based loan program for students attending St. James School of Medicine (SJSM) to cover their educational costs (as determined by SJSM).

The Loan program provides some of the features below*:

  • Variable rates from 7.75% (actual rate is determined by the lenders underwriting criteria)
  • No payments required while in School and during Residency Training
  • Borrowers must be U.S. Citizens or Permanent Residents
  • All student loan applications are electronically submitted and SJSM will certify each individual student loan application. Loan funds are electronically submitted to SJSM and applied to each borrower’s account
  • Borrowers who do not meet the credit criteria may apply with a credit worthy cosigner. Minimal credit scores are required by both the Borrower and/or the Cosigner.
  • Loan cannot exceed annual value of eligible tuition charges. No fees can be paid with the ZuntaFi loan.

It is advisable that students obtain their credit score from all three major credit bureaus to ensure their credit rating is based on the most current and accurate data. Students can access free of charge (on an annual basis) their credit reports at

Students can apply for a loan through Medinvest here:

*Subject to credit criteria and financial underwriting from financial institutions


MPOWER Financing is a student lender with a mission to enable high-promise global citizens further their academic and financial aspirations. MPOWER is now accepting tuition loan applications from any student at Saint James School of Medicine, provided they have passed USMLE step 1 .

  • Available to all students (from US and outside US) that perform their clinical sciences program in the US or Canada.
  • No Cosigner or collateral required: we make our credit decision based off of your future potential
  • A fixed rate loan: with fixed rates, you’ll always know what your future payments will look like – you will never be susceptible to unpredictable interest rate fluctuations and your interest rate will never increase
  • Build your credit score: because we’re U.S.-based, an MPOWER loan will help you build your credit – this will allow you to access other financial products such as credit cards and will make it easier to apply for off-campus housing
  • Career support: we offer extensive career strategy services, such as resume reviews, informational interview facilitation, mock interviews, access to a private job board, and networking opportunities
  • Interest only during school plus a 6 month grace period (for a total interest only period of 30 months)
  • Loans can range from $2,001 – $50,000
  • Tuition only

Applying is easy, with no application fees. And MPOWER loans can also be used to pay for past-due balances (up to 180 days). When applying for a loan on MPower website, please search for St. James School of Medicine.

Apply for MPOWER >


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