It's a little bit of a mess right now in the medical school private student loan space. Even before July 2026, we started lining up the lenders we've worked with for years to partner with us in offering private loans to medical students. Why are we asking for someone's mom who makes $35,000 a year cleaning houses to co-sign their daughter's (who will be earning $400,000) medical school loans? For example, one lender offers four sets of repayment terms:Full payments during medical school Interest-only payments during medical school $25 per month payments during medical school No payments during medical schoolYou might think the obvious answer is the “no payments during medical school” option. Study as much data as you can get your hands on and try to minimize the underwriting requirements for medical student loans.