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    ARP financial aid

    Cost and funding for the Accelerated Review Program (ARP)

    The ARP is a one-semester preparatory program designed for select students who have the drive to become successful physicians, but who need additional academic and study skills support to ensure their success in UMHS' rigorous medical education program. The UMHS admissions department invites select applicants to enroll in the ARP as a prerequisite for enrolling in the main program. Students who successfully complete the ARP with a grade average of 70% or higher are granted admission to the Basic Science or Extended Basic Science program.

    The cost of attendance (COA) for this one-semester program is outlined below.  The COA includes all direct charges that you will be billed for by the university, as well as all indirect expenses. This budget is calculated based on the average student, in a capacity to support a modest student lifestyle while enrolled in the program. It is important that you are aware of all anticipated costs for this program, so you can make sufficient financial plans.

    umhs st kitts campus

    Administration building, Basic Science campus, St. Kitts

    ARP cost of attendance

    These figures are calculated as follows:

    Tuition: Actual amount billed by the school

    Room & board:

    • Costs for housing expenses are calculated at $1000.00 per month
    • Food allowance is included at $100.00 per week.
    • Students need to budget for typical living expenses incurred during daily life: housing, utilities, food, etc. The estimates provided anticipate that students will live in safe, comfortable, but modest accommodations-likely with a roommate.


    • $900.00 for one round trip air-ticket for travel to St. Kitts at the beginning of the program and to depart the island when the term is over
    • $15.00 per week, for transportation expenses on the island

    Books & supplies: to cover cost of any books and school supplied need for the term

    Personal incidentals: $50.00 per week allowance for any miscellaneous personal expenses

    Health and evacuation insurance: All students are required to have medical and emergency evacuation insurance. If you do not have coverage you will be given the option to purchase insurance through UMHS. If you already have health insurance be sure to contact your provider to ensure coverage will remain effective while you are attending school outside of the U.S.

    • A median rate, of the school sponsored health insurance policy, is included in the COA
    • Actual per semester charge for air-evacuation insurance

    Payment and funding options available for the ARP

    Once you enroll in the program, you will receive a bill from the university Bursar. For information regarding payment options, please contact the Bursar’s office.

    In general, you can choose to cover the cost of your ARP semester with:

    • A direct payment: Submitting your payment in full prior to registration with our available online payment options.
    • A payment plan: We offer the option to budget your semester bill into equal monthly installments over the course of the semester.
    • Student loans: Sallie Mae has extended its undergraduate Smart Option Student Loan program to eligible UMHS ARP students. This program is only available to students of U.S. citizenship or Permanent Residency. (All eligible students who have been extended an invitation to attend the Accelerated Review Program will receive an email with all pertinent financial aid information.)
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    Office of financial aid

    The financial aid office is open Monday - Friday, 7:30am - 5:00 pm ET

    t: 212-868-0855 / e:

    Elissa Schoening - Director of Financial Aid (ext. 320)


    Contact the office of FA

    Sallie Mae Smart Option Student Loan

    UMHS has partnered with Sallie Mae to offer their Smart Option student loan program to UMHS students of U.S. citizenship or Permanent Residency. 


    Loan Brochure
    brimstone hill st. kitts

    Brimstone Hill

    St. Kitts

    Sallie Mae Smart Option loan program

    The Sallie Mae Smart Option loan is a private educational loan. This means that it is not subsidized by the federal government, nor is an approval guaranteed. The lender’s decision to approve a loan request will be based on the student’s (and any cosigner’s) creditworthiness as displayed by the data in their credit report. This may also include a review of the applicant’s debt-to-income ratio.

    Features of the Smart Option Loan Program:

    • Easy online application
    • Three repayment options to choose from, including deferring until after graduation or making minimum monthly payments while in school.
    • Competitive interest rates, with the choice of a variable or fixed rate once your request is approved
    • Up to 20 years to repay with no prepayment penalties
    • 36-month grace period
    • Up to 48 months of residency and internship deferment

    There is no cosigner requirement; however, applying with a creditworthy cosigner may help you qualify and/or receive a lower interest rate. 

    Please wait until you receive your financial aid package email with all specific instructions for your term of interest before you apply for any loan.