MedLoans® Organizer and Calculator (MLOC)

The MedLoans® Organizer and Calculator was developed to assist medical students and residents with managing their education debt. The MLOC 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.
young couple calculating budget

Who Can Use It

You have full access to MLOC if you are an enrolled medical school student, a medical school graduate, or a medical school administrator at an AAMC-member medical school. All eligible users have free premium access, which includes the ability to upload your federal loans from the National Student Loan Data System (NSLDS), run repayment scenarios, and save your loan repayment options. To access MLOC, sign into your account with your AAMC username and password.

Non-premium users have limited functionality and are not able to upload their NSLDS file or save their repayment information. A visitor can choose to upgrade to premium access by paying $9.99. This will provide premium access for a total of four years. Purchase premium access

Please note: If you are a dental student or graduate see the Dental Loan Organizer and Calculator (DLOC).


Medloans comparison chart - graphic - FIRST

Steps for Getting Started

First, you will want to upload your student loan information from the National Student Loan Data System (NSLDS) into the Organizer. Go to to export and save your NSLDS file to your computer. Then, sign into the MLOC and upload your NSLDS file. If you have institutional or private loans, you will want to add those loans manually. To see a demo of how to upload your NSLDS file and to learn more about the functionality of the MLOC, watch the MLOC demo. If you need assistance with logging into the MLOC, contact Denine Hales at Please DO NOT create another AAMC account.

Benefits of the MLOC

  • Allows borrowers to enter and upload, track, store, and run repayment scenarios.
  • Provides a better understanding of student loan debt and the cost of repayment.
  • Borrowers who are married to another MD, and borrowers who are married to non-MD’s can run repayment scenarios to see total household repayment information.


What medical students and graduates are saying about the MLOC: 

“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."

Questions and Comments

Send your questions and feedback to

Financial Information, Resources, Services, and Tools (FIRST)

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