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.
NEW! 2019 ADEA Educational Debt Management Primer—Repayment Plans: Options for Repaying
Your Federal Student Loans (August 2019)
This narrated presentation will introduce you to time-driven and income-driven repayment plans. Note: We encourage all borrowers to watch this presentation before viewing the more detailed modules below on income plans including PAYE versus REPAYE. Run time approximately 4 minutes, 15 seconds.
NEW! 2019 ADEA Educational Debt Management Primer—Simple Steps to Student Loan Repayment (August 2019)
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 all dental school students, especially those in their last year of dental school. Run time approximately 9 minutes.
NEW! 2019 ADEA Educational Debt Management Primer—Entrance Interview Companion, Class of 2023: Important Information About Financing Your Dental Education
Targeted to first-year dental students, this narrated presentation provides important information about financing a dental education
NEW! Public Service Loan Forgiveness: What Every Dental Student, Resident and Fellow Should Know (updated July 2019)
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.
NEW! AAMC/ADEA Dental Loan Organizer and Calculator FACT SHEET (updated July 2019)
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.
Financing an Advanced Dental Education (January 2019)
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.
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.
2019 ADEA Educational Debt Management
Primer—Senior Loan Exit Interview Dental School Class of 2019
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 2019.
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.
2018 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.
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.
Educational Debt Management Primer—Public Service Loan Forgiveness (January
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.
Educational Debt Management Primer—PAYE versus REPAYE Comparison Chart (January
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.
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.
2018 ADEA Educational Debt Management
Primer—Consolidation Primer: Consolidation as Part of Your Repayment Strategy (January
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.
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.
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.