Global Health Education Loan Program (GHELP)

The Global Health Education Loan Program can finance up to 100% of the cost of your international graduate health professions education.

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If you are a U.S. student enrolled in a graduate health professions program at an eligible institution outside of the U.S., you may apply for the loans offered by GHELP.

GHELP can help cover the entire cost of your graduate health professions education with a complete package of student loans. The program includes a federal Stafford loan, a federal Graduate PLUS loan, a private education loan, and a Residency & Relocation loan option for graduate medical students.

GHELP features competitive rates and fees, combined billing with other Sallie Mae loans, 24/7 online account access, payment options for any budget, and money-saving borrower benefits.

Stafford Loan

Stafford loans are low interest, federally guaranteed loans for graduate health professions students.

Benefits include:

  • 0.25 percentage point interest rate reduction for payments made by automatic debit.1

Graduate PLUS

For students who have reached the maximum Stafford loan limit and still need additional funds, a Graduate PLUS loan is a flexible and affordable solution. Graduate students can borrow up to the full cost of education, including tuition and fees, room and board, books and supplies, transportation and living allowance, less other aid received.

Benefits include:

  • 0.25 percentage point interest rate reduction for payments made by automatic debit.1

Private loan

The Global Health Private Loan provides a loan option to cover the gap between cost of education and grants, scholarships, and Stafford loan eligibility.

Residency & Relocation Loan

Residency & Relocation loans are private education loans designed to help graduate health professions students in their fourth or final year of medical school outside of the U.S. cover the costs of residency and relocation.


1 The account must remain current until the request for release is processed. Borrower credit qualification applies. Borrower must be a U.S. citizen or permanent resident at the time the cosigner release request is processed.

GHELP Private Loans are funded by Sallie Mae Bank® or a Sallie Mae lender partner.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE LOAN PROGRAMS AND BORROWER BENEFITS AT ANY TIME WITHOUT NOTICE. APPLICANTS SHOULD CHECK THE SALLIE MAE WEBSITE CLOSE TO THEIR LOAN DISBURSEMENT DATE TO OBTAIN THE MOST UP-TO-DATE INFORMATION REGARDING LOAN PROGRAMS, INCLUDING BORROWER BENEFITS.

Subject to the above, borrower benefits are effective for Stafford and Graduate PLUS loans first guaranteed June 9, 2008 through June 30, 2009.


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The two types of Stafford loans

Interest does not accrue on a subsidized Stafford loan while the borrower is enrolled in school, during grace periods, and during qualified deferment.

Borrowers are responsible for all interest that accrues on an unsubsidized Stafford loan.


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