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 Federal Student Aid website, 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 federal loan file or save their repayment information. A visitor can upgrade to premium access for $9.99. Upgrading provides premium access for four years.

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


Chart with MLOC

Getting Started

  1. If you have federal loans, go to Log into your account with your FSA ID and password, “Accept” the account access warning; Select “View Details”, Select “Download My Aid Data”, Select “Continue” to download the text file, Save the text file to your computer.
  2. Log-in to the MLOC with your AAMC username and password.  If you need help, email Denine Hales at Please DO NOT create another AAMC account. 
  3. Click on “Get Started Now” and then click on “Import NSLDS”. Follow the instructions on the screen.  If you have private or institutional loans, and want them to be in the Organizer, you will need to enter these loans manually.
  4. Move to the Calculator tab, answer the questions, and submit your answers.
  5. Review your repayment options as displayed. 

Benefits of the MLOC

  • Allows for a secure place to enter, upload, track, and store loans, and shows different 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)

AAMC Financial Wellness

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