The following are estimated repayment amounts using the AAMC/ADEA Dental Loan Organizer and Calculator, with the following assumptions: 

• $241,097 total student loan debt ($162,000 Stafford, remainder in Grad PLUS).
• Interest rates of 6.21% and 7.21% fixed for Unsubsidized Stafford and Grad PLUS, respectively.
• No aggressive repayment.
• Starting salary (from American Dental Association) of $184,140 (used for Income-Based Repayment [IBR] and Pay As You Earn [PAYE] repayment plans).
• Single and family size of one (used for IBR and PAYE repayment plans).

Standard 10 year

• $3,184 per month for 10 years.
• $382,092 total repayment.
• $140,995 total interest cost.

Extended 25 year

• $1,898 per month for 25 years.
• $569,350 total repayment.
• $328,253 total interest cost.

Income-Based Repayment

• $2,055 per month for first 12 months.
• Payments change each year based on income and family size.

Pay As You Earn

• $1,370 per month for first 12 months.
• Payments change each year based on income and family size

*Find more information on repayment plans at www.StudentLoans.gov under Managing Repayment.