Financial Aid Advice

Financing Your Dental School Education: How Student Loans Work

Posted by Paul Garrard, M.B.A. on June 16, 2021


This dynamic and highly interactive student loan webinar recording, How Student Loans Work, features one of the nation’s leading experts on student loans and educational debt management for health sciences students―including dental students and graduates.

Discussion topics include:  

  • Interest rates on federal direct, campus-based and private loans;
  • Specifics on direct unsubsidized and direct PLUS (Grad PLUS) loans;
  • The impact of the CARES Act on borrowing;
  • Proven ways to reduce borrowing and total repayment;
  • Capitalization of interest—when it happens and how to reduce or eliminate it;
  • Impact of federal consolidation and refinancing on interest rates; and
  • Trusted resources to help you manage your student loans, including the AAMC/ADEA Dental Loan Organizer and Calculator (DLOC).


This webinar is targeted specifically to accepted applicants. 

About Paul Garrard, M.B.A.:

Paul Gerrard

Paul S. Garrard, M.B.A.
Founder and President
PGPresents, LLC
Independent Student Loan Consulting
ADEA Senior Advisor for Student Financial Services

With more than 35 years of experience in higher education and student financial aid, Paul Garrard is one of the most well-known and in-demand educational debt management experts in the nation, especially in the health professions communities. Mr. Garrard currently serves as a consultant for the American Dental Education Association (ADEA) as their Senior Advisor for Student Financial Services.

He has extensive experience in the nonprofit and for-profit sectors of higher education. In 2008, he started his own consulting firm, PGPresents, LLC, designed to help promote responsible borrowing and responsible repayment.

His specialty is helping health professions graduates, including dental school graduates, manage their student loan portfolios by helping them develop repayment strategies that meet their career and financial goals. He also uses this expertise through ADEA to help inform incoming dental students about borrowing responsibly.

He is a nationally known speaker on financing a dental education and is a regular speaker at the ADEA GoDental Recruitment Event held prior to the ADEA Annual Session & Exhibition. 

He holds a Bachelor of Arts from Samford University and an M.B.A. from the University of Georgia. Mr. Garrard works out of his home in Shepherdstown, WV.