Educational Debt Management Materials for Dental Students

The materials on this page will assist dental students with better managing their student loans and planning their overall repayment strategies. The AAMC/ADEA Dental Loan Organizer and Calculator can also help.


AAMC/ADEA Dental Loan Organizer and Calculator FACT SHEET (updated January 2018)

This one-pager is a perfect complement to the narrated presentation on the AAMC/ADEA DLOC, and provides information on not only the benefits of this valuable resource, but also information on how to get started with helpful hints on using the AAMC/ADEA DLOC.  The Fact Sheet is a great handout for orientation and other debt management workshops for dental students.

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NEW!  AAMC/ADEA Dental Loan Organizer and Calculator – Tips for using the AAMC/ADEA DLOC to manage your student loans

This narrated presentation will help you understand how to easily use the AAMC/ADEA DLOC to help you manage your student loans and determine the best repayment strategy after you graduate, regardless of your ultimate career plans.

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2017 ADEA Educational Debt Management Primer—Entrance Interview Companion, Class of 2021: Important Information About Financing Your Dental Education

Targeted to first-year dental students, this narrated presentation provides important information about financing a dental education.

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2017 ADEA Educational Debt Management Primer—Interest Rate Primer: Understanding How Interest Rates Work on Your Student Loans

This narrated presentation will help you understand how the interest rates work on your student loans, along with information on capitalization and how capitalization works on the loans you are likely to be taking out as a dental student. The Primer includes helpful tips on how to reduce the impact of high interest rates and capitalization on repayment.

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2018 ADEA Educational Debt Management Primer—Senior Loan Exit Interview Dental School Class of 2018

Download this comprehensive PowerPoint presentation explaining repayment strategies for managing your student loans as you graduate from dental school. Highly recommended for dental school graduates in the Class of 2018.

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2018 ADEA Educational Debt Management Primer—Simple Steps to Student Loan Repayment (January 2018)

In this narrated presentation, dental students can learn how to easily determine the best repayment strategy for their student loans after they graduate. Highly recommended for dental school graduates in the Class of 2018. Run time approximately 9 minutes.

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NEW!
2018 ADEA Educational Debt Management Primer—Repayment Plans: Options for Repaying Your Federal Student Loans (January 2018)

This narrated presentation will introduce you to time-driven and income-driven repayment plans. Note: Class of 2018 members should watch this presentation before viewing the more detailed modules below. Run time approximately 4 minutes, 15 seconds. 

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2018 ADEA Educational Debt Management Primer—Income-Driven Repayment (January 2018)

In this narrated presentation, learn about income-driven repayment plans and how to determine if they should be part of your repayment strategy as a dental school graduate. This module is highly recommended for dental school graduates in the Class of 2018, especially for those with high debt. Run time approximately 8 minutes, 8 seconds.

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2018 ADEA Educational Debt Management Primer—Public Service Loan Forgiveness (January 2018)

In this narrated presentation, learn about the Public Service Loan Forgiveness program, who it is designed for and how dental school graduates can qualify. This module is ideal for anyone interested in public sector nonprofit work, including academic dentistry. This module also references proposed changes to the program. Run time approximately 10 minutes, 15 seconds.

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Public Service Loan Forgiveness: What Every Dental Student, Resident and Fellow Should Know (updated January 2018)

Download this two-pager on the Public Service Loan Forgiveness (PSLF) program, which explains the program, how dental school borrowers can qualify, and provides resources to help determine if PSLF should be part of a borrower’s repayment strategy. Included are three different scenarios with forgiveness estimates for dental school graduates using the AAMC/ADEA Dental Loan Organizer and Calculator.

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2018 ADEA Educational Debt Management Primer—PAYE versus REPAYE Comparison Chart (January 2018)

In this narrated presentation, see the importance differences between Pay As You Earn (PAYE) and Revised Pay As You Earn (REPAYE) and learn how to know which of these plans may be best for you if you use an income-driven repayment plan as part of your repayment strategy. This module is a companion to the Income-Driven Repayment plan module and is highly recommended for dental school graduates in the Class of 2018, especially for those with high debt. Run time approximately 9 minutes, 6 seconds.

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2018 ADEA Educational Debt Management Primer—Federal Consolidation (January 2018)

In this narrated presentation, learn how to determine if you should include federal consolidation as part of your repayment strategy as a dental school graduate. Run time approximately 7 minutes, 47 seconds.

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2018 ADEA Educational Debt Management Primer—Consolidation Primer: Consolidation as Part of Your Repayment Strategy (January 2018)

You may be considering consolidation as part of your overall repayment strategy as you graduate and transition into your dental career or begin advanced training following graduation. Consolidation is a new loan that pays off multiple other loans. There are advantages and disadvantages to federal consolidation, and while it is an effective debt management tool for some dental school graduates, it is not appropriate for everyone. We anticipate that many dental school graduates in the Class of 2018 will not need to consolidate their student loans. This is a printed version of the information covered in the Federal Consolidation module referenced above.

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2018 ADEA Educational Debt Management Primer—Refinancing Student Loans (January 2018)

In this narrated presentation, learn about refinancing your student loans (including federal and private) with a private lender. You’ll learn how to determine if you’re a candidate for refinancing and, if so, some important tips on how to choose a lender. This module is highly recommended for dental school graduates in the Class of 2018, especially those going directly into a practice and who may not be interested in an income-driven repayment plan or forgiveness program like Public Service Loan Forgiveness. Run time approximately 10 minutes, 10 seconds.

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2018 ADEA Educational Debt Management Primer—Questions to Ask When Considering Refinancing Your Student Loans (updated January 2018)

There are a number of private lenders and other organizations offering to consolidate or refinance both federal and private student loans for eligible borrowers. While eligibility requirements vary by lender, some private lenders are targeting borrowers with higher or potentially higher incomes, as well as those with at least some history of employment. This is a printed version of the information covered in the Refinancing Student Loans module referenced above.

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