Medical School Tuition, Financial Aid & Scholarships

We believe that education should be within reach for every aspiring doctor. Our comprehensive tuition and financial aid program will help you understand the cost of your medical education and how you can finance it.

There’s no one-size-fits-all, AUC applicants have a wide range of MCAT and GPA scores. See if you’re a match!

Tuition & Fees 2025-2026

Medical Sciences¹	Cost Per Semester
Tuition (Flat Rate, 10-21 Credits)	$23,440
Administrative Fees (includes SGA fees of $37)	$5,901
Health Insurance Fee³(Includes administrative charge. Sint Maarten campus only.)	$359

Other Costs

One-time enrollment reservation fee⁴	$1,000
Housing security deposit To reserve housing, if applicable.	$1,650
Residency permit fee⁵	$280
Dorm charge (If Applicable) Sint Maarten campus only	Single $6,200 Double $5,083

Clinical Sciences²	Cost Per Semester
Tuition per semester	$30,662
Administrative Fees (includes SGA fees of $37)	$4,184
Health Insurance Fee³(includes administrative charge)	$1,657

Disclaimers

Medical Sciences: If applicable, students enrolled for 8–9 credits pay a tuition rate of 50% of the Medical Sciences tuition rate; students taking fewer than 8 credits will pay a rate of 25% of the Medical Sciences tuition rate.
Clinical Sciences: The rates represented above represents a full-time or 16-week/credit schedule each semester. Tuition will be prorated at a rate of $1,916.38 per clinical week/credit and Administrative Fee at $261.50 per week/ credit. Health Insurance is billed on a periodic basis in September, January, and May regardless of schedule and is not subject to proration.
Health Insurance: Fee may be waived for students who maintain their own health insurance that meets requirements. For more information, please consult the Student Handbook.
One-time Enrollment Reservation Fee: Payable to AUC by the date specified in the acceptance letter to secure a place in class. At registration, $1,000 of the enrollment reservation fee will be applied to the cost of tuition for students who matriculate to AUC. This enrollment fee is non-refundable.
Residency Permit Fee: As noted above, the laws of St. Maarten require residence permits for all students. The annual cost is $280 (500 guilders). For U.S. and Canadian residents, this will be billed along with your tuition and due at orientation. For international students (visa required) payment is required with the Enrollment Reservation Fee payment a minimum of 60 days prior to your arrival in St. Maarten. Sint Maarten campus only (not applicable to UK Track).

Please see the Student Handbook for tuition and refund policies. Students must pay for all courses taken. Books and supplies are additional (handled by third-party vendors). All figures noted are in U.S. dollars.

Note: The laws of Sint Maarten require residence permits for all students. The annual cost is $280 (500 guilders).

Download Tuition Info

UK Track Medical Sciences¹	Cost Per Semester
Tuition per semester	$23,440
Administrative Fees includes SGA fees of $37	$5,901
Clinical Sciences²
Tuition per semester	$30,662
Administrative Fees includes SGA fees of $37	$4,184
Health Insurance Fee per semester includes administrative charge	$1,657

Other Fees

One-time enrollment reservation fee³

$1,000

Disclaimers

Medical Sciences: If applicable, medical science students enrolled for 8-9 credits pay a tuition rate of 50% of the published tuition rate; medical science students taking less than 8 credits will pay a rate of 25% of the medical science tuition rate.
Clinical Sciences: The rates represented above represents a full-time or 16-week/credit schedule each semester. Tuition will be prorated at a rate of $1,916.38 per clinical week/credit and Administrative Fee at $261.50 per week/ credit.Books and supplies fees are covered as part of the University of Lancashire PGDip coursework. Health insurance is billed on a periodic basis in September, January, and May regardless of schedule and is not subject to proration.
Enrollment reservation fee: This enrollment fee is non-refundable. Additional fees may apply, consult your admission advisor for more information.

Note: The laws of Sint Maarten require residence permits for all students. The annual cost is $280 (500 guilders).

Download Tuition Info

6-Year Medical Doctor Program, Dual Enrollment

Bsc (Hons) in Medical Sciences Degree

For an outline of what is included in your tuition fees, please visit: https://www.lancashire.ac.uk/undergraduate/courses/medical-sciences-bsc
Telephone University of Lancashire for further information +44(0)1772 892400 or email us at international@uclan.ac.uk

Medical Sciences¹	Cost Per Semester
Tuition per semester	$23,440
Administrative Fees includes SGA fees of $37	$5,901
Clinical Sciences²	Cost Per Semester
Tuition per semester	$30,662
Administrative Fees includes SGA fees of $37	$4,184
Health Insurance Fee per semester includes administrative charge	$1,657

Other Fees

One-time enrollment reservation fee

Applied towards AUC tuition and is non-refundable.

$1,000

Disclaimers

Medical Sciences: If applicable, students enrolled for 8-9 credits pay a tuition rate of 50% of the medical sciences tuition rate; students taking less than 8 credits will pay a rate of 25% of the medical science tuition rate. Tuition is paid directly to AUC.
Clinical Sciences: The rates represented above represents a full-time or 16-week/credit schedule each semester. Tuition will be prorated at a rate of $1,916.38 per clinical week/credit and Administrative Fee at $261.50 per week/ credit. Health Insurance is billed on a periodic basis in September, January, and May regardless of schedule and is not subject to proration. Tuition is paid directly to AUC .
Other Fees: Additional fees may apply, consult your admissions advisor for more information. Medical insurance depending on location.

Note: The laws of Sint Maarten require residence permits for all students. The annual cost is $280 (500 guilders).

Download Tuition Info

funding options

Medical School Funding Options

The Office of Student Finance supports students in accessing financial assistance in the form of scholarships, student loans and payment plans in order to fund their education. Various tuition payment options are also available. Compare federal loans, private loans, and scholarships.

Direct Federal Loans

AUC is approved for participation in the William D. Ford Federal Direct Loan Program (Direct Loans).

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Financial Aid Guide

Read our financial aid guide PDF that explains different options available to prospective students.

Download Our Guide

Veterans

Veterans and their dependents may receive med school financial aid funding per the eligibility requirements set by the Veterans Administration.

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Note: The AUC program at University of Lancashire in Preston, UK is not eligible for U.S. federal student aid (Title IV). Students should consider alternative funding options, such as private loans or scholarships. The financial aid team is available to assist with questions or other funding options

up to $130,000
in scholarships & other financial support*

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*For those who qualify the disclosed amount is achieved when combining the maximum of scholarships and vouchers. See the scholarships page for initial and ongoing eligibility requirements and conditions. Some scholarships and voucher offers have limited availability. Tuition reductions are applicable to tuition only and do not apply to books, materials, and other supplies or fees needed for a course. The tuition reduction (excluding program and other applicable fees) will be applied over the duration of the program. American University of the Caribbean School of Medicine reserves the right to change an offer at any time.

Federal Loan Changes You Need to Know

Beginning July 1, 2026, a new piece of legislation eliminates the Grad PLUS loan program and introduces new annual and aggregate limits on federal Direct Unsubsidized loans.

Learn More About Grad Plus

Private Lending Options

Federal aid may not cover your full cost of attendance, but you have options. We partner with private lenders, to help eligible students bridge the gap with competitive loan solutions. Explore our private lending options to learn more about rates, terms, and how to apply.

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Ready to Apply?

Next Enrollment Deadline: August 14, 2026

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The Office of Student Finance

Supporting students in accessing financial assistance in the form of scholarships, student loans and payment plans in order to fund their education. Take a look at the list below to get answers to our most frequently asked questions. If you still have questions, please contact us.

Financial Aid Inquiries	finaid@aucmed.edu
Student Accounts Inquiries	accounts@aucmed.edu
Phone	+1 732-509-9027
Fax	+1 732-509-4852

Frequently Asked
Questions

Ask a Question

What are the eligibility requirements for the Credit Extension Program?

Minimum cumulative GPA of 80%.
Exhausted all alternative internal and external financial aid options.
Documentation of financial hardship, contribution towards remaining program cost, and private loan lender denial (with co-signer).

How are students selected for the Credit Extension Program?

Potentially eligible students are identified and contacted by the student finance team to discuss next steps. Student applications and documentation are reviewed by the financial aid director to confirm eligibility and award amount. Approved students are notified by their student finance advisor.

How is the award amount determined?

Award amounts are determined by identifying the student’s estimated remaining program cost, including any outstanding balances, and subtracting any remaining financial aid, including grants, loans, and scholarships.

What are the Credit Extension terms? (i.e. payment requirements and items covered)

Only covers tuition and fees, student responsible for all other educational expenses.
Must commit to making in-school monthly payments of $100 while enrolled in the M.D. program and $300 monthly while in residency.

What are the payment methods?

Current students: Most fees can be paid securely online via the MyAUC Portal.

Newly enrolled students, parents/guardians, and graduated/non-active students:Please visit PayMyTuition for fee payment.

Money orders and checks: Checks or money orders can be made payable to AUC School of Medicine. Please include your Student ID and mail to one of the following addresses:

Standard Mail Delivery:
AUC School of Medicine BV
PO Box 74007517
Chicago, IL 60674-7517

Overnight Address:
Bank of America Lockbox Services
AUC School of Medicine BV 7517
540 W. Madison, 4th Floor
Chicago, IL 60661

Withdrawals and refunds. What is the Federal Return of Funds Policy?

Length of enrollment is equal to the number of calendar days, including weekends and holidays, in the periods in which the student was registered. Breaks of five days or more are excluded.

The withdrawal date is the date the student begins the official withdrawal process -- electronically, in writing, or by telephone, whichever is earlier -- or otherwise officially notifies the institution of his/her intent to withdraw. For students who withdraw without notification, the school may use either the last date of academic attendance or the midpoint of the enrollment period as the withdrawal date. Failure to notify the Financial Aid Office of a withdrawal may result in additional tuition liability.

How is the length of my enrollment period calculated for federal  refund purposes?

Length of enrollment is equal to the number of calendar days, including weekends and holidays, in the periods in which the student was registered. Breaks of five days or more are excluded.

Accounts receivable. How is my withdrawal date determined?

The withdrawal date is the date the student begins the official withdrawal process -- electronically, in writing, or by telephone, whichever is earlier -- or otherwise officially notifies the institution of his/her intent to withdraw. For students who withdraw without notification, the school may use either the last date of academic attendance or the midpoint of the enrollment period as the withdrawal date. Failure to notify the Financial Aid Office of a withdrawal may result in additional tuition liability.

How does the school calculate how much federal aid I need to return  if I withdraw?

Federal Return of Funds Policy: According to federal regulations, a federal refund calculation must be performed if a student receiving financial aid withdraws completely from all classes after the start of the enrollment period.
Length of enrollment is equal to the number of calendar days, including weekends and holidays, in the periods in which the student was registered. Breaks of five days or more are excluded.
The withdrawal date is the date the student begins the official withdrawal process -- electronically, in writing, or by telephone, whichever is earlier -- or otherwise officially notifies the institution of his/her intent to withdraw. For students who withdraw without notification, the school may use either the last date of academic attendance or the midpoint of the enrollment period as the withdrawal date. Failure to notify the Financial Aid Office of a withdrawal may result in additional tuition liability.

In what order are federal and other financial aid funds returned?

Return of funds is calculated as follows:

Federal aid refunds are distributed in the following order:

Learn more about refunds of medical school tuition and fees or about return of Title IV funds.

If the student’s percentage of enrollment period completed is greater than 60 percent, the student has earned – and must repay – 100 percent of the federal aid received.
If the student’s percentage of enrollment period completed is 60 percent or less, the calculated percentage of enrollment will be used to determine the amount of aid returned.

Unsubsidized Direct Federal Stafford Loan
Subsidized Direct Federal Stafford Loan
Federal PLUS Loan
Federal Pell Grant
Federal Supplemental Education Opportunity Grant (FSEOG)
Other Title IV aid programs
State grants, and/or private or other institutional aid
To the student

What happens if I pay my tuition after classes begin or if my account becomes delinquent?

Any student who pays medical school tuition and fees after the first day of classes will be charged a $100 late fee; any student with a delinquent account will be notified by the second week of the term that he or she must be financially clear by the end of the fourth week of the term; and any student who fails to fulfill the finance condition (is not financially clear by the end of the fourth week) will be involuntarily withdrawn from enrollment and his or her transcript will reflect a "W" grade for courses undertaken in that term. Standard cancellation and refund policies will apply to the balance of the account due.

Program fees effective as of September 2025. Subject to change without notice. Please see the Student Handbook for tuition and refund policies. Students must pay for all courses taken.

What is the total cost of attendance at AUC?

The total cost of attendance at AUC varies by program and location. For the 4-year MD program, total tuition is $116,100 for Basic Sciences and $67,000 for Clinical Sciences. You can find more information on the cost of attendance on the AUC website.

What happens if I withdraw mid-semester?

If you withdraw mid-semester, your tuition charges will be prorated based on the portion of the semester attended. You will be required to repay "unearned" financial aid to the relevant lender(s). If you withdraw after the first 60% of the semester, no refund is given.

I am Canadian or another foreign national. What financial aid options  are available?

Several options may be available. Canadian students may be eligible for loans through the Canadian government and/or private loan programs. Please refer to the Financial Planning Guide for Canadian Students, which is available online: Download the AUC Canadian Financial Planning Guide. Other Foreign Nationals may be eligible for assistance in their country

How do I apply for federal student aid?

You can apply by logging on to https://studentaid.gov/h/apply-for-aid/fafsa. US citizens, permanent residents and eligible non-citizens must complete the Free Application for Federal Student Aid (FAFSA_^®). When completing the FAFSA, be sure to include the appropriate school code for American University of the Caribbean School of Medicine: G22444. After your FAFSA has been processed by the Department of Education, you may be required to submit additional information, such as citizenship documentation. The Office of Student Finance will notify you if you are required to submit additional information.

Note: The AUC program at University of Lancashire in Preston, UK is a unique and exciting opportunity for non-U.S. students pursuing a medical education. It is important to note that AUC’s University of Lancashire track MD program, including all clinical clerkships, is not eligible for U.S. federal student aid.  Thus, students are not eligible for U.S. federal financial aid through the U.S. Department of Education (typically referred to as Title IV aid). We encourage University of Lancashire students to explore alternative funding options, such as private loans or scholarships, to support your educational journey. Our financial aid team is here to assist you with any questions or help guide you through the process of exploring other resources.

What types of federal financial aid are available?

Types of Federal Direct Loans that may be available are the Federal Direct Graduate PLUS Loan and the Federal Direct Unsubsidized Loan. US citizens, permanent residents and eligible non-citizens must file the Free Application for Federal Student Aid® (FAFSA) to determine their eligibility for a Federal Direct Loan. Once the Office of Student Finance has received your FAFSA information from the US Department of Education, we will determine your eligibility for the types of student loans listed below. Interest rates on federal student loans are based on the 10-year Treasury note plus a set percentage established by federal law. Visit https://studentaid.gov/understandaid/types/loans/interest-rates to find current interest rates.

Federal Direct Unsubsidized Loan

This is a non-need-based federal loan with a limit of $10,250 per semester. The Department of Education charges an origination fee on the funds disbursed. Visit https://studentaid.gov/understand-aid/types/loans/interest-rates to find current interest rates and loan fees.

Federal Direct Graduate PLUS Loan

This is a non-need-based federal loan which the student can borrow up to the cost of attendance, less other aid. The Federal Direct Graduate PLUS is a credit based loan. If a student does not have remaining eligibility for the Federal Direct Unsubsidized Loan(s) because he or she has reached the maximum aggregate Federal Direct Loan limit of $138,500, or academic year limit of $20,500, approved borrowers may be eligible for the Federal Direct Graduate PLUS Loan program up to their cost of attendance. Visit https://studentaid.gov/understand-aid/types/loans/interest-rates to find current interest rates and loan fees. The federal government does not offer any grants or scholarships for graduate students.

Note: The AUC program at University of Lancashire in Preston, UK is not eligible for U.S. federal student aid (Title IV). Students should consider alternative funding options, such as private loans or scholarships. The financial aid team is available to assist with questions or other funding options

How much financial aid can I receive if I am a US Federal Student Aid recipient?

You may receive financial aid up to the total cost of attendance. For additional information on AUC's cost of attendance, please visit https://www.aucmed.edu/media/12766/cost-of-attendance.

The cost of attendance is an estimate of the educational cost for the academic year. It is intended to cover education related expenses such as tuition, fees, books, course material, supplies, equipment, food, housing, health insurance, transportation, exam fees, personal expenses, residency travel and loan fees. Your total financial aid package, including scholarships, grants, tuition waivers, federal loans, and private loans, cannot exceed this amount.

I have just been admitted, when do I receive my financial aid award?

Completing the necessary forms will expedite your award. If you completed the Free Application for Federal Student Aid (FAFSA) and submitted all documents requested by the Office of Student Finance, you will receive your financial aid award letter and loan instructions 2-3 weeks from the date that you are admitted and your financial aid application is complete, but no earlier than three months prior to the start of the term for which you have been admitted. For example, a student who has been admitted for the Spring term may receive his or her financial aid award letter as early as October. If you haven’t completed the FAFSA, please do so as soon as possible at https://studentaid.gov/h/apply-for-aid/fafsa.

How will I receive my financial aid?

The US Department of Education will send your loan funds directly to the Office of Student Finance.

The loan funds will be credited to your student account to pay any outstanding balance. Any excess funds will create a credit balance in your student account and the Office of Student Finance will process a credit balance payment to you. You may use this credit balance payment to pay for books, transportation, living expenses or other personal expenses. If you expect to receive financial aid from an outside agency, such as a scholarship from a nonprofit organization, you should instruct them to send the funds to the following address:

American University of the Caribbean School of Medicine
AUC School of Medicine BV
PO Box 74007517
Chicago, IL 60674-7517

What is AUC’s FAFSA code

AUC's FAFSA code is G22444. You will need this code to complete your FAFSA application.

Am I eligible for U.S. financial loans if I attend the UK track?

As the UK track is exclusively for non-U.S. citizens, U.S. federal loans are not applicable.

What scholarships are available at AUC?

AUC offers several scholarships to its students. Scholarships include the Medical Scholarship for Canadian Citizens, International Scholarship, Dean's Academic Scholarship, and Trustee's Academic Excellence Scholarship. You can review the eligibility criteria and application process for these and other scholarships on the AUC website.

Do Canadian or other international students qualify for financial aid?

Canadian citizens may be eligible for loans through the Canadian government and/or private loan programs. International students should research funding options available through their country's government.

Does AUC accept VA benefits?

U.S. Veterans and their dependents may be eligible for funding through the Veteran's Administration. You should contact the Department of Veterans Affairs for more information.

Will Grad PLUS loans be available after July 1, 2026?

The Grad PLUS loan program for graduate and professional students, including those in medical school will be eliminated per the new legislation.. Future borrowing will be limited to Direct Unsubsidized Loans, which have new annual and aggregate limits.

What are the new borrowing limits for medical students after  July 1, 2026?

Medical students starting on or after July 1, 2026, will face new borrowing limits on federal student loans. They will be able to borrow up to $50,000 per academic year through Direct Unsubsidized Loans. The aggregate borrowing limit over the entire course of their graduate and professional education programs will be capped at $200,000 with a lifetime borrowing limit of $257,500 that applies to all federal student loans (undergraduate and graduate) combined.

Will current medical school students be affected after these changes?

Students enrolled on June 30, 2026, and who have already taken out loans for their program are generally expected to be exempt from the new borrowing limits for up to three academic years or until they complete their program, whichever comes first.

What if my medical school’s cost of attendance exceeds these limits?

For those not exempt under the grandfathering provisions, if your total cost of attendance is higher than the federal loan limits, you may need to research other ways to cover the difference, such as private loans. AUC’s Office of Student Finance can help. Email finaid@aucmed.edu to discuss your options and create a plan that fits your financial situation.

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On Demand

Financing Med School: What You Need to Know

The webinar covers the current state of Grad PLUS loans and what you need to know about the changes coming on July 1, 2026.

Jun 23	AUC UpClose New Orleans	Tuesday, June 23, 2026 at 7:00PM - 9:00PM CDT
Jul 23	AUC Houston UpClose Dinner	Thursday, July 23, 2026 at 7:00PM - 9:00PM CDT
Jul 30	AUC La Jolla UpClose Dinner	Thursday, July 30, 2026 at 7:00PM - 9:00PM PDT

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