The association renewed its efforts to secure a meeting after collecting more than 20,000 signatures in an online petition, but had been fobbed off by officials for weeks, Ms Berryman said.
''Do we have democracy in this country or not? 'It's not that hard for him to give us a response, so why is he being so cagey about it?"
Medical students are lobbying for the removal of the seven-year loan cap, which the association says could prevent some students from becoming doctors.
It will start to affect a few students from the end of this year, but will not be felt broadly until 2017.
The association had not been granted a meeting with Mr Joyce since 2013. The students had new ideas and information to present but ''the answer is still `no'.''
A spokeswoman for Mr Joyce said he had been in touch with the association over the issue for ''the past few years''.
''As nothing has changed since the last time they met there is no need for a further meeting at this stage.
''The minister has asked officials to keep him updated on the impact of the [new loan restriction] policy across the tertiary system and will meet with NZMSA again if significant new data comes to hand.''
Meanwhile, Labour's health spokeswoman, Annette King, has urged Mr Joyce to ''act on advice'' he was understood to have received about the impact of the seven-year cap.
Mrs King said she had requested a copy of the advice under the Official Information Act, but it could take up to four weeks to be answered.
''Steven Joyce has been warned many times that this policy is likely to have a profound impact on medical students, 90% of whom rely on a loan to pay for course fees and who generally need to spend eight or nine years at university.''
A spokeswoman for Mr Joyce said most medical students completed their study within seven years.
''In the case of graduate-entry medical students, the total period of study for most graduate students would be eight [equivalent full-time student years]; and a government-funded medical intern grant of $26,756 is provided to medical students to help with the final year of study.
''It is important to note that medical doctors are generally New Zealand's highest-earning graduates.''
The spokeswoman said no more than six medical students would be affected next year.
The full impact would be realised the year after, she said.
