What Other Costs Will I Incur?

Each year the Financial Aid Office must estimate all normal expenses incurred by students in each academic program. In addition to tuition and fees, they include estimates for books, supplies, transportation, health insurance, food, rent, utilities, etc. This estimate is called the Cost of Attendance.

The estimated Cost of Attendance for the 2023-24 academic year (Fall 2023/Spring 2024) is approximately $98,130. This covers a 12-month period. When comparing costs at other programs, make sure you are comparing the same period of time.

How Much Should I Expect to Borrow for the Entire MD Program?

The average indebtedness for the students who graduated from the program in 2022 was approximately $149,000. (This includes loans for students who pursued a dual degree.) Some students borrowed more and some borrowed less. Approximately 59% of the graduating Class of 2022 borrowed funds for medical school. 

Are Debt Relief Programs Available?

Yes, there are a number of employment arrangements in which students can reduce their indebtedness after they complete their degree. Some of these include the National Institutes of Health, the U.S. military, and state health agencies. Also, some health care facilities will offer loan repayment incentives to potential employees. These arrangements often require the employee to commit to employment for a specific number of years. Also, students who work for a non-profit health care facility may qualify to have the balance of their loans forgiven after 10 years of repayment through the Public Service Loan Forgiveness Program.

Emory medical students and recent MD graduates who choose a primary care career in pediatrics, medicine, family medicine, or geriatrics and commit to practicing in Georgia may be eligible for The Kathelen and Dan Amos Medical Student Loan Forgiveness Program: Improving Access to Primary Care in Georgia. This program offers annual awards of $40,000 - up to $160,000 maximum. More information, including eligibility requirements and FAQs, available here.