Simple Steps to Student Loan Repayment for Dental Students
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 school students, but especially those about to graduate.

(2022-2023)
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.

(2022-2023)
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: PAYE or SAVE?
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 September, 2023)
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 Fall 2023)
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.
This is a printed version of the information covered in the Federal Consolidation module referenced above.

(Updated Jan. 2020)
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 Fall 2023)