The MedLoans™ Organizer and Calculator (MLOC)

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The MedLoans™ Organizer and Calculator tool was developed to assist medical students and residents with managing their education debt. The MLOC tool provides a secure location to organize and track student loans while also displaying possible repayment plans and costs based on the borrower’s student loan debt. 


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Who Can Use It

You have full access to the MLOC tool if you are an enrolled medical school student, a medical school graduate, or a medical school administrator at an AAMC-member medical schoolAll eligible users have free premium access, which includes the ability to upload your federal loans, run repayment scenarios, and save your loan repayment options. To sign in to your MLOC account, see below under getting started. 

Non-premium users have limited functionality and are not able to upload their federal student aid loan file or save their repayment information. A visitor can upgrade to premium access for $9.99. Upgrading your account provides premium access for four years.  

Please note: If you are a dental student or graduate see the Dental Loan Organizer and Calculator (DLOC) and if you are an enrolled osteopathic medical student see the Osteopathic Loan Organizer and Calculator (OLOC).

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Getting Started
  1. To learn about the functionality of the MLOC tool, watch the demo. 
  2. Access your federal loan information at and download your "My Aid Data" file. 
  3. Sign in to your MedLoans Organizer and Calculator account using your AAMC username and password. If you need help, email Denine Hales at Please DO NOT create another AAMC account. 
  4. Once logged in to your MLOC account, select "Get Started Now". 
  5. Within the MedLoans Organizer tab, click on the Upload Aid Data and follow the instructions.  If you have private or institutional loans that you want to store in the Organizer, you will need to enter these loans manually.
  6. Move to the MedLoans Calculator tab, answer and submit the questions, to view your repayment options.
Benefits of the MLOC tool
  • Provides a secure place to enter, upload, track, and store loans.
  • Shows various repayment scenarios based upon a borrower’s portfolio, household, and residency information.
  • Provides a better understanding of student loan debt and the cost of repayment.

What medical students and graduates are saying about the MLOC tool: 

“It has helped me plan my loan repayment and has removed my need to meet with a specialist about this. This is a great resource!!!”

"The calculator was a great tool for me to familiarize myself with the different repayment options prior to attending the counseling session. Excellent tool!"

"Very helpful to see the breakdown of our loans, and the different monthly payments for each of the different options. Very valuable to have it all laid out for us, thanks for this tool."

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