Student Loans and the CARES Act

Get important information on the CARES Act and how it impacts borrowing and repayment.

Financing Your Dental Education

This narrated presentation provides succinct guidance on cost considerations, smart budgeting and student loan portfolios. In addition, it lists action items and additional resources. Students are encouraged to have this primer handy when they talk with their school financial aid officers.

 
(Updated July 2020)

Financing an Advanced Dental Education

This one-page primer provides succinct guidance on cost considerations, smart budgeting and student loan portfolios. In addition, it lists action items and additional resources. Students are encouraged to have this primer handy when they talk with their school financial aid officers.

(Updated July 2020)

Financing a Dental Hygiene Education

This narrated presentation provides succinct guidance on cost considerations, smart budgeting and student loan portfolios. In addition, it lists action items and additional resources. Students are encouraged to have this primer handy when they talk with their school financial aid officers. (Updated July 2020)

 

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.

 
(Updated July 2020)

Entrance Interview Companion, Class of 2024: Important Information About Financing Your Dental Education

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

 
(Updated July 2020)

Senior Loan Exit Interview, Dental School Class of 2021

Download this comprehensive 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 2021.

 
(Updated Jan. 2021)

Simple Steps to Student Loan Repayment for Dental Students

Simple Steps to Repayment for Dental Hygiene Graduates

This one-page primer provides succinct guidance on how to determine the best repayment strategy for your student loans when you graduate. This document is highly recommended for all dental hygiene students, but especially those about to graduate.

(Updated Jan. 2021)

Repayment Plans: Options for Repaying Your Federal Student Loans

This narrated presentation will introduce you to time-driven and income-driven repayment plans. Run time approximately 4 minutes, 15 seconds.
Note: We encourage all borrowers to watch this presentation before viewing the more detailed modules on income plans including PAYE versus REPAYE.  

 
(Updated Spring 2021)

Income-Driven Repayment

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 upcoming graduates, especially those with high debt. Run time approximately 8 minutes, 8 seconds.

(Updated Spring 2021)  

Income-Driven Repayment Plan Comparison Chart

This downloadable chart looks at the various differences between income-driven repayment plans. Please note that Income-Based Repayment (IBR) is a much older plan and rarely used by recent graduates.

(Updated Spring 2021) 

PAYE versus REPAYE

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 highly recommended for upcoming graduates, especially those with high debt. Run time approximately 9 minutes, 6 seconds.

 
(Updated Feb. 2021)

Married Borrowers and Repayment

This narrated presentation addresses the impact of marital status on repayment and includes information on community property states, what happens when one spouse refinances their student loans with a private lender, and how to easily estimate the impact of including spousal income and debt on monthly payments.

(Updated Jan. 2020) 

Married Borrowers and Repayment Quick Reference Guide

This guide covers four important topics of interest to married borrowers or those considering getting married: which plans are impacted by marital status, how to calculate the potential impact of spousal income on monthly payments, considerations if you live in a community property state, and the potential impact of a borrower’s spouse refinance their federal debt with a private lender.

(Updated Spring 2021) 

Federal Consolidation: Consolidation as Part of Your Repayment Strategy

Learn how to determine if you should include federal consolidation as part of your repayment strategy as a dental school graduate. 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.

In this narrated presentation. Run time approximately 7 minutes, 47 seconds.

This is a printed version of the information covered in the Federal Consolidation module referenced above.      (Updated Jan. 2020)

Refinancing Student Loans

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 2021, 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.

(Updated Spring 2021)  

Questions to Ask When Considering Refinancing Your Student Loans

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.

(Updated Spring 2021) 

Public Service Loan Forgiveness: What Every Dental Student, Resident and Fellow Should Know

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

(Updated Spring 2021)

Public Service Loan Forgiveness

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.

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.

(Updated Spring 2021) 

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.

 
(Updated Jan. 2020)