The full funding stack at University of Maryland Baltimore.
Most schools tell you about federal loans and call it a day. The actual funding stack at any given school has six layers, and each one stacks on top of the next. The numbers below are aggregated from public sources: federal aid limits, state department of health loan repayment programs, the school’s financial aid pages, the IRS Section 127 employer reimbursement maximum, the HRSA Health Center directory, and the major nursing scholarship sponsors. We omit anything we cannot verify.
Federal student aid
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Federal Direct Unsubsidized LoanAnnual cap for graduate students. File the FAFSA and accept the full amount before considering private loans.Up to $20,500/yr
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Grad PLUS LoanAvailable until July 1, 2026 under OBBBA. After that date, new Grad PLUS borrowers are not accepted; existing borrowers can finish current programs.Up to remaining cost of attendance
MD state programs
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Maryland Loan Assistance Repayment Program (MLARP)NPs in MD HPSAsUp to $50,000 over 2 yrs
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Janet L Hoffman Loan Assistance Repayment ProgramMD residents in public serviceUp to $30,000
Institutional aid from University of Maryland Baltimore
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UMSON scholarships and HRSA traineeshipsUMSON holds substantial HRSA Advanced Nursing Education funding and named scholarships.
Tuition reimbursement employers near University of Maryland Baltimore
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Up to $5,250/yr1 mi
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Up to $10,000/yr4 mi
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Up to $5,250/yr4 mi
NHSC-eligible employers near University of Maryland Baltimore
- Total Health Care (FQHC Baltimore)FQHC · NHSC-eligible
- Baltimore Medical SystemFQHC · NHSC-eligible
Working at an NHSC-approved site can repay $50,000 to $80,000 of federal student loans over 2-3 years post-graduation.
External scholarships
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Nurse Corps Scholarship Program (HRSA)All NP students, 2-yr CSF serviceFull tuition + monthly stipend
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NHSC Scholarship ProgramPrimary care NPs willing to serve in HPSATuition + stipend
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Indian Health Service ScholarshipAI/AN students or IHS service intentFull tuition + stipend
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AANP Foundation ScholarshipAANP members, all specialties$2,500 to $10,000
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Sigma Theta Tau International ScholarshipSigma members$1,000 to $10,000
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NAPNAP Foundation ScholarshipPNP track students$2,500 to $5,000
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APNA Janssen ScholarPMHNP students$10,000 to $15,000
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Tylenol Future Care ScholarshipOpen to all NPs$5,000 to $10,000
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Johnson & Johnson Notes for Nursing ScholarshipMSN/DNP enrolled$5,000
Rotation partners at University of Maryland Baltimore.
University of Maryland Medical Center, UM Shock Trauma, VA Maryland.
If your school assigns rotations, you avoid $5,000 to $30,000 in placement marketplace fees. See our 5 Pathways to a Clinical Rotation guide for the full landscape.
The math at University of Maryland Baltimore.
If a student stacks the maximum from every layer above, the total funding available for the program is approximately $130,000. Total cost of attendance over the program runs about $124,000. The remaining gap most students will need to fund privately is:
UMSON is the largest NP program in Maryland. Combined MLARP + Hoffman LARP can repay substantial debt post-graduation for MD-based NPs.
See your funding gap in 60 seconds.
Plug in your start date, expected grad date, and any aid you have already secured. The calculator does the math: federal cap minus tuition minus stack, year by year. Free, no email gate.