Campus Based Loan Information

Information on Campus Based Loan Servicing - Health Professions Student Loans (HPSL), Primary Care Loans (PCL), Loans for Disadvantaged Students (LDS), and Federal Perkins Loans.

General Information for Campus-Based Loans

This information is intended to help current and prospective student loan borrowers understand and manage campus-based loan programs, including Health Professions Student Loans (HPSL), Primary Care Loans (PCL), Loans for Disadvantaged Students (LDS), and Federal Perkins Loans.

Federal student loan regulations are updated regularly, often introducing new requirements and provisions. As a result of regulatory changes and varying funding sources, borrowers may hold multiple campus-based loans, which can be complex to manage. The University of Louisville (UofL) Student Loan Management Section provides support not only for repayment of campus-based loans, but also for helping borrowers effectively manage their overall student loan portfolio. Responsible loan management supports the development of a positive credit history and ensures that repaid funds are returned to institutional loan pools to support future students.

Health Professions Student Loans (HPSL)
HPSL programs provide long-term, low-interest loans to full-time students with demonstrated financial need who are pursuing degrees in dentistry.

Primary Care Loans (PCL)
As of July 1, 1993, medical students receiving HPSL funding must demonstrate financial need and agree to complete a primary care residency within four years of graduation. Borrowers must also practice primary care until the loan is fully repaid.

Loans for Disadvantaged Students (LDS)
To qualify for an LDS award, students must meet all eligibility requirements for the Health Professions Student Loan (HPSL) program and demonstrate a disadvantaged background as defined by federal guidelines. At the University of Louisville, LDS funding is awarded exclusively to students enrolled in medicine and dentistry programs.

Federal Perkins Loans
The Perkins Loan program has officially ended. The authority for schools to make new Federal Perkins Loans ended on September 30, 2017. The information provided is for borrowers with existing loans. The Federal Perkins Loan Program provides low-interest loans to undergraduate and graduate students with exceptional financial need. These loans are issued by the borrower’s school using federal funds and are repaid directly to the institution.

For questions regarding Health Professions, Primary Care, or related campus-based loans, contact the UofL Student Loan Management Section at 502-852-2834.