Further your education
Deciding to pursue higher education is an investment in your future. A graduate or post-graduate loan with M&T can help you get there.
Financing your graduate school tuition is important.
M&T graduate and post-graduate loans offer competitive fixed and variable rates and desirable features to help you feel secure in your decision to pursue higher education. You can apply for the loan amount you’ll need to cover your expenses and the application process is quick and easy.
Details and Features

Rate discount available
Get a 0.25 percentage point interest rate reduction when you enroll and make monthly payments by auto debit.

Borrow what you need
Borrow from $1,000 up to 100% of your school-certified expenses for graduate loans. For post-graduate loans, borrowing amounts are different.

No origination fee
No origination fee or penalty for paying off your loan before its due date.

Choose your graduate loan repayment option
Choose one of the following repayment options as part of the graduate loans application process. Post-graduate loans have different repayment terms.
- Defer payments until after you leave school.
- Pay monthly interest while in school.
- Pay $25 per month while in school.
Graduate Loan Options
MBA Loan
Pay for your business school expenses as you pursue your Master of Business Administration degree.
Variable Rates:
2.12% APR – 11.64% APR
Fixed Rates:
4.75% APR – 12.11% APR
Loan Term: 15-year repayment term of principal and interest payments.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Medical School Loan
Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine.
Variable Rates:
2.12% APR – 11.48% APR
Fixed Rates:
4.75% APR – 11.97% APR
Loan Term: 20-year repayment term of principal and interest payments.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Dental School Loan
Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics.
Variable Rates:
2.12% APR – 11.48% APR
Fixed Rates:
4.75% APR – 11.98% APR
Loan Term: 20-year repayment term of principal and interest payments.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Graduate Loan for Health Professionals
Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health degrees.
Variable Rates:
2.12% APR – 11.64% APR
Fixed Rates:
4.75% APR – 12.11% APR
Loan Term: 15-year repayment term of principal and interest payments.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Law School Loan
Pay for your school and associated expenses as you study for your law degree.
Variable Rates:
2.12% APR – 11.48% APR
Fixed Rates:
4.75% APR – 11.98% APR
Loan Term: 15-year repayment term of principal and interest payments.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Graduate Student Loan
Pay for your school and associated expenses as you pursue your master's or doctoral degree.
Variable Rates:
2.12% APR – 11.64% APR
Fixed Rates:
4.75% APR – 12.11% APR
Loan Term: 15-year repayment term of principal and interest payments.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Bar Exam Loan
Pay for your expenses associated with fees and living costs as you study for the bar exam.
Variable Rates:
2.90% APR – 12.55% APR
Fixed Rates:
5.25% APR – 13.66% APR
Repayment option: Deferred repayment
- Make no scheduled payments while you’re in school at least half-time and in grace (nine months after leaving school)
Borrowing amount: $1,000 up to $15,000
- Take control of your funds; the funds are sent directly to you
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Medical Residency Loan
Pay for expenses associated with taking board examinations, travel for interviews, and moving for your medical residency.
Variable Rates:
2.90% APR – 8.58% APR
Fixed Rates:
5.93% APR – 10.19% APR
Repayment option: Deferred repayment
- Defer your principal and interest payments while you’re enrolled at least half-time and during your grace period (three years after you graduate or nine months if you leave school or drop to less than half-time status).
Borrowing amount: $1,000 up to $30,000
- Take control of your funds; the funds are sent directly to you.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Dental Residency Loan
Pay for expenses associated with taking board examinations, travel for interviews, and moving for your dental residency.
Variable Rates:
2.90% APR – 8.58% APR
Fixed Rates:
5.93% APR – 10.19% APR
Repayment option: Deferred repayment
- Defer your principal and interest payments while you’re enrolled at least half-time and during your grace period (three years after you graduate or nine months if you leave school or drop to less than half-time status).
Borrowing amount: $1,000 up to $30,000
- Take control of your funds, the funds are sent directly to you.
Lowest rates shown include an auto debit discount. Fixed rates will remain constant while variable rates will fluctuate with the market over the life of the loan.
Got questions? We're here to help.
Application Checklist
Before starting, we recommend you (and your cosigner, if applicable) have the following information handy:
- Permanent address
- Social Security numbers
- School information
- Academic period of enrollment
- Requested loan amount
- Financial aid and scholarships you expect to receive
- Financial information
- Two personal contacts (other than your cosigner)
M&T Bank Student Loans

M&T Visa Credit Cards
Consider an M&T Visa credit card to help finance your day to day expenses while earning your graduate degree. Whether you're looking for a great rate, rewards or cash back, we give you options.
Learn More