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

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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2017 ADEA Educational Debt Management Primer—Public Service Loan Forgiveness: What Every Dental Student, Resident and Fellow Should Know (February 2017)

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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2017 ADEA Educational Debt Management Primer—
Simple Steps to Student Loan Repayment (February 2017)

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 2017. Run time approximately 8 minutes, 30 seconds.

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2017 ADEA Educational Debt Management PrimerPublic Service Loan Forgiveness (February 2017)

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 9 minutes, 30 seconds.

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2017 ADEA Educational Debt Management Primer—Income-Driven Repayment (February 2017)

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 2017, especially for those with high debt. Run time approximately 7 minutes, 30 seconds.

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2017 ADEA Educational Debt Management Primer—Federal Consolidation (February 2017)

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 6 minutes, 30 seconds.

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2017 ADEA Educational Debt Management Primer—Refinancing Student Loans (February 2017)

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 2017, 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 8 minutes, 30 seconds.

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2017 ADEA Educational Debt Management Primer—PAYE versus REPAYE Comparison Chart (February 2017)

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 2017, especially for those with high debt. Run time approximately 8 minutes, 30 seconds.

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2017 ADEA Educational Debt Management Primer—Senior Loan Exit Interview Dental School Class of 2017

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 2017.

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2016 ADEA Educational Debt Management Primer—Consolidation Primer: Consolidation as Part of Your Repayment Strategy (March 2016)

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 2016 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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2016 ADEA Educational Debt Management Primer—Questions to Ask When Considering Refinancing Your Student Loans (November 2015)

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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2015 ADEA Educational Debt Management Primer—Loan Servicing Primer: Loan Servicing Update and Tips for Working Effectively With Loan Servicers (February 2015)

One of the most important relationships you will have as you manage your student loans after graduation from dental school is the one with your loan servicer. The more informed you are regarding what you have borrowed, the more productive and efficient your relationship with your loan servicer is likely to be. Many dental school graduates in the Class of 2016 will find they have one loan servicer for all their federally owned loans.

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2015 ADEA Educational Debt Management Primer—Questions to Ask Before Borrowing Private Loans (August 2015)

This Primer is designed to help you understand what kind of information you will need before applying for a private loan to finance your dental school education. These questions should also be asked of the lender or loan provider of any private loans you may have from college, as it is extremely important to know what happens to these loans during dental school and immediately after graduation. We encourage you to always speak with your financial aid office before taking out private loans.

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