Financial Resources for Students in Dental Education Programs

The materials on this page will assist dental and dental hygiene students with better managing their student loans and planning their overall repayment strategies.

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.

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(Winter/Spring 2024)


Financing a Dental Hygiene Education


This 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.

Download
(Winter/Spring 2024) 
                                                                                                                      


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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(Updated May 2022)





Entrance Interview Companion, Class of 2027: Important Information About Financing Your Dental Education


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

Watch 
(Updated July 2023)

 


Senior Loan Exit Interview, Dental School Class of 2024


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 2024.

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(Updated March 2024)

 


Sample Repayment: Important Information on Choosing a Repayment Plan


This document provides repayment estimates under all current federal repayment plans, including the new income-driven repayment plan SAVE (Saving on a Valuable Education), plus some important tips and reminders to help you choose the best repayment plan when your loans come due.

Download
(Winter/Spring 2024)



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.

Download
(Winter/Spring 2024)



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.

Download
(Winter/Spring 2024)




Repayment Plans for Federal Student Loans


This one-page reference guide provides general information on the repayment plans available on your federal student loans. We highly recommend you read this guide before reviewing the Income Driven Repayment Plans Comparison Chart that follows.

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(Spring/Summer 2024)



Income-Driven Repayment Plan Comparison Chart: PAYE, New IBR, 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.

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(Updated April 2024) 



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.

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(Spring/Summer 2024) 



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.

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     (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.

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(Updated Fall 2023) 

 


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


Download this fact sheet 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. 

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(Updated April 2024)

 


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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(Updated Fall 2023)