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Delta does not provide grants or scholarships. The company provides loans that should be considered seriously and which must be paid back. In the event that the student defaults on loan payments, the co-signer will also assume full responsibility for payment of such loans. You should carefully evaluate your own financial situation and consider all other options, such as savings or family support, before applying to Delta for a private student loan or accepting any such loans.

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
Payments to Saint James Varies between campuses Varies between campuses $1,237.50/month hospital surcharge, Student liability insurance
Processing fee (once approved) $200 /every 3rd semester, $800 maximum $200 /every 3rd semester, $800 maximum $200 /every 3rd semester, $800 maximum
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 (MD5) 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.
Apply for a private student loan with Delta Financial Solutions, Inc.>


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 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 >


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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