Loans

Educational loans enable many students to attend Harvard Chan School, but it’s crucial to carefully review the terms and conditions before signing any loan agreement. 

To support students who may be affected by the changes that go into effect on July 1, 2026, Harvard University has developed a University-wide Preferred Lender List for the 2026 – 27 academic year. Students enrolled in a less than half time programs (i.e. MPH-EPI, the Master in Health Care Management (MHCM), and our MPH-45 summer-focused and SM-42.5 summer-only), should go to our information for less than half time programs.

If you intend to borrow a private loan, you must submit the Private Loan Request Form. If you are borrowing from one of our preferred lenders, the Harvard Federal Credit Union (Harvard FCU) or College Ave, we will process your request without a pre-approval. This information can be used as part of the financial certification for an international students’ visa application. Once the loan application opens, you must also submit the application.

Your loan offers may vary depending on your credit history and current interest rates. In addition, you should carefully consider the total cost of taking out of the loan (factoring in both fees and interest), repayment schedules, your personal tolerance for risk, and whether there are options to defer payments while you’re in school or during periods of financial hardship. 

Please also review Harvard University’s Student Loan Code of Conduct.