Click the link below to start your loan application:
​Apply to MPOWER Financing

Select “Applied” or “Accepted” based on whether or not you’ve already been admitted to your school (e.g., Touro University).

Enter the name of your school exactly as it appears on your acceptance letter. For Touro University, make sure you choose Touro University California and not the other schools (e.g., Touro University New York).

Choose "Master's" for degree and "Nursing" for field of study. The program begins in November 2025 and is expected to end in May 2027. Technically, you are pursuing a Master's in Public Health, but Nursing is the best option here.

Enter your primary citizenship, and how you heard about MPOWER, then click continue to approve the Terms of Service.

Once submitted, you’ll get an email outlining loan terms. Eligible applicants usually see options between $2,001 and $100,000, with 10-year repayment, no collateral, no cosigner, and no prepayment penalties.

Click “Continue with Application” to proceed with your loan. If you’re already in the portal, select “Complete Now” under My Applications.
​

The remaining process takes about 10 minutes and will ask for details such as your citizenship, mailing address, immigration status, references, and information about your education, program type, and enrollment status.

The Master's program at Touro University California is a hybrid, full-time program. Please enter “Public Health/Community Nurse/Nursing” as your field of study. The program start date is November 2025 and expected graduation date is May 2027.

The form will next ask about standardized/language tests, your employment history, and future job details. For the Future Job Offer section, select “No, I don’t have a future job offer,” even though Florence will help connect you with hospitals later.

Under Scholarships and Grants, enter the $8,000 Florence grant as “Other.” This reduces your tuition balance from $32,000 to $24,000. Please note, MPOWER shows $28,414 for Touro University California – MPH, but the actual cost is $32,000.
​

Next, you will need to enter a loan amount. The minimum financial support requirement should be more than $53,000. The program Cost of Attendance (COA) is $52,750. Learn more about Touro's Tuition & Aid.

Therefore, we recommend students request a $44,000 loan. The total tuition is $32,000, minus a grant of $8,000, gives you a discount tuition of $24,000, plus an additional $20,000 for two years of Room & Board. You can repay any portion of the loan early without incurring a prepayment fee.

For the question, "Which terms will this loan cover?" you should select the first option, Fall 2025 & Spring 2026.

Lastly, review all your details before submitting your application. Please confirm your personal, education, employment, and financial information is accurate. By clicking “Submit,” you consent to a credit check.
​
Once you submit the online application, MPOWER will provide a conditional loan offer within minutes if you meet the basic eligibility requirements.

To finalize the loan, you’ll need to upload supporting documents such as your admission letter, identification, and financial details. Below is a list of the five documents we recommend uploading.

If required, complete your Nova Credit check to advance your loan application. Review your home country credit report beforehand to ensure your personal details (name, date of birth, address, financial history) match, since discrepancies may cause the check to fail. Nova Credit does not work in every country, including many African countries, so may not be necessary for everyone. You are still eligible for the full loan amount even without a Nova Credit check.

MPOWER reviews your information and confirms your approval. While the initial offer is quick, final approval and disbursement usually take a few days to a few weeks, depending on how quickly you submit your documents.
​
Still having trouble? Watch this step-by-step video of the MPOWER application process, or email [email protected].