US Loans

Federal Direct Loans

The London School of Hygiene & Tropical Medicine participates in the William D Ford Federal Direct Loan Program; this is the only US Federal funding available to US students in the UK. Graduate students studying at schools outside of the USA are eligible to apply for Direct Unsubsidised and Direct PLUS loans only.  

LSHTM can certify applications for both Federal Direct Loans and Alternative Education (‘private’) loans for research degrees and London-based MSc courses. The US Department of Education suggests that students apply for Federal Loans first before applying for private loans. Students should to review all potential loans carefully, including the loan details and repayment obligations for each, before choosing which loan(s) would be best suit their situation and requirements. Eigible students may borrow up to the Cost of Attendance (CoA), as set by the London School of Hygiene & Tropical Medicine, each year. Please note the following:

  • Students registered on distance learning courses are not eligible for Direct Loan funding.
  • Students registered on London-based courses who are based in the US for research or study are not eligible for Direct Loan funding.
  • Students enrolled on the LSHTM and Nagasaki University Joint PhD Programme for Global Health are not eligible for Direct Loan funding.

Types of loans: Detailed information about the different types of Direct Loans is available via Students due to study at LSHTM should read the information for graduate students.


In normal circumstances, US students taking any part of their programme at an overseas institution via distance learning are not eligible to borrow federal loans under US law. Under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), an allowance has been made for students undertaking courses online in the 2020/21 academic year that would usually be provided face to face, and these students will be eligible for federal loans. The allowance will continue for payment periods (terms) during the emergency in addition the following payment period after the emergency has been declared as over. Note that courses that are normally provided by distance learning and administered by University of London continue to be ineligible for federal loans.

Calculating your Cost of Attendance

Please read the Cost of Attendance information before applying for your loans, as this will assist you in deciding the amounts that you wish to request.

Applying for your loans

The following page provides guidance on applying for your loans. It is important that these steps are followed in full. If the necessary steps are not completed, including submitting an LSHTM cover sheet, your loans cannot be certified.

General loan information

The following pages include information on loan disbursements, deferments and repayments; terms and conditions; and consumer information.

Private loans

Currently, Sallie Mae is the only private education loan provider that we are aware of issuing loans to US students studying at foreign schools. For further information, see the private loans page. 

For any further details please contact the Tuition Fees Team via and include ‘US loans’, your name and student number in the subject.