Best Dental School Loans for October 2025

Student Finance & Loan Expert

Dental education can undoubtedly be expensive. In the academic year 2009–2010, the average tuition in public and private academic institutions was $37,543 [National Center for Education Statistics (NCES), 2010]. Notably, in the academic year 2022–2023, resident first-year dental students of public academic institutions paid $42,281 for tuition and fees (Commission on Dental Accreditation, 2023). Luckily, there are sources of financial support available to aspiring dentists, including dental school loans. To help you start your career, I, a career-planning expert with over a decade of professional experience, created this comprehensive guide to the best dental school loans in the United States (US). Explore each section to learn more about loan types, loan amounts, interest rates, repayment terms, and financial aid options.

Key Things You Should Know About Dental School Loans

A 2022 survey by the American Dental Education Association (ADEA) reported that 65% of respondents' dental school costs were funded through federal student loans.
In 2024, federal direct unsubsidized loans have a maximum limit of $20,500 per academic year and an aggregate loan limit of $138,500.
Private student loan limits are set by individual lenders and often depend on several factors, including creditworthiness, income, and the cost of attendance. Some private lenders may cover the full cost of dental school, while others might have specific caps.

List of the Best Dental School Loans for October 2025
Who is qualified to apply for federal dental school loans?
Who is qualified to apply for private dental school loans?
What is the maximum loan amount for dental school loans?
What are the current interest rates for dental school loans?
What factors affect the amount I can borrow for dental school?
What are the repayment options for dental school loans?
What alternative loan options exist for students with limited credit history?
How can I compare dental school loan offers effectively?
Can refinancing dental school loans reduce overall debt costs?
Are there loan forgiveness programs for dental school loans?
What financial planning tips can help manage dental school loan debt?
What scholarships are available for dental students?
Can exploring multi-disciplinary loan options optimize your financing strategy?
How can trade school loans provide an alternative to dental education costs?
What advanced education options can enhance career prospects?
How can professional certifications enhance career prospects in dentistry?
Are there tax benefits associated with dental school loan interest?
Can an accelerated AA degree expedite entry into the dental field?
Can interest free student loans reduce your dental education costs?
How can online degree programs complement your dental education?
Other Things You Should Know about Dental School Loans

List of the Best Dental School Loans for October 2025

Dental students have several options for dental school loans. Explore the list that I created below to ensure that you know and understand your options:

1. Federal Student Loans

Dental schools can apply for federal dental school loans through health professions student loans offered by the Department of Health and Human Services. These are long-term, low-interest loans that schools then offer to their students. These federal loans are available to part-time and full-time students of dentistry, pharmacy, podiatric medicine, optometry, and veterinary medicine. Notably, graduate or professional borrowers are offered a fixed interest rate of 8.08% for direct unsubsidized loans disbursed after July 1, 2024.

Fixed Interest Rate (After July 1, 2024): 8.08%
Loan Amount: Loan amount varies depending on available funding.

2. Sallie Mae

Sallie Mae® offers school loans to students taking up dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics. The loans can cover school expenses such as tuition, course materials, and housing. Sallie Mae allows borrowers to choose among three repayment options: deferred, fixed, and interest-only payments while in school.

Fixed Interest Rates: 4.15% to 14.47% APR
Variable Interest Rates: 5.37% to 14.96% APR
Loan Amount: Contact the organization for information on potential loan amount.

3. College Ave

College Ave provides dental students enrolled in eligible academic institutions with school loans that cover 100% of their dental degree costs. Borrowers can choose from four repayment terms: full principal and interest payments, interest-only payments, flat payments, and deferred payments.

Fixed Interest Rates: 5.59% to 14.47% APR
Variable Interest Rates: 4.17% to 14.47% APR
Loan Amount: Contact the organization for information on potential loan amount.

4. Discover Health Profession Loans

Digital bank and payments services company Discover offers school loans to health profession students, including those in dentistry, nursing, occupational therapy, optometry, and osteopathy, among other fields. Applicants can borrow a minimum of $1,000 per loan, up to the full cost of attendance. The loans can cover tuition, housing, and books.

Fixed Interest Rates: 5.49% to 10.99% APR
Variable Interest Rates: 6.49% to 12.37% APR
Loan Amount: At least $1,000

Here’s What Graduates Have to Say about Dental School Loans

“Securing federal loans for dental school allowed me to focus on my studies without constantly worrying about finances. The flexible repayment options have made managing my debt much easier as I establish my career. I could not be more grateful for this financial support." —Diane
"Thanks to my private loans from Sallie Mae, I was able to attend my dream dental school. The low interest rates and customized repayment plans have been a lifesaver. They allowed me to balance loan payments with my new practice expenses. It has been a huge relief knowing I made the right financial decision." —Robert
"With the help of a co-signed loan from College Ave, I completed dental school and now own a thriving dental clinic. The loan process was straightforward, and having a supportive co-signer meant that I could secure the funds needed to pursue my passion." —Peter

Who is qualified to apply for federal dental school loans?

While researching dental school loans in the US, I found that federal loans were the leading funding source for a doctorate from 2017 to 2022. A 2022 survey by the ADEA reported that 65% of the dental school costs of respondents were funded through loans. Notably, students must meet specific criteria set by the US Department of Education to qualify. Understanding these requirements is essential for securing the necessary funding for your dental education:

Enrollment in an Accredited Program. Applicants must be enrolled at least half-time in an accredited dental school program. This ensures that the academic institution meets the educational standards required for federal loan eligibility.
US Citizenship or Eligible Non-citizen Status. Only US citizens or eligible non-citizens, such as permanent residents, can apply for federal dental school loans. Proof of citizenship or legal residency status is required during the application process.
Satisfactory Academic Progress. Students must maintain satisfactory academic progress as defined by their dental school. This usually includes maintaining a minimum GPA and completing a certain number of credit hours each semester.

Who is qualified to apply for private dental school loans?

Like federal loans, private loans also involve meeting specific criteria set by individual lenders. These qualifications vary but generally include key financial and academic requirements:

Credit Score. A strong credit score is important for securing private dental school loans. Lenders use your credit score to assess your creditworthiness and determine the interest rates and terms of the loan. A higher credit score can usually lead to more favorable loan terms and lower interest rates.
Co-signer Requirement. Many private lenders require a co-signer, particularly for students with limited credit history. A co-signer, usually a parent or guardian with a strong credit profile, guarantees the loan to increase the chances of approval and potentially secure better loan terms. The co-signer shares responsibility for repaying the loan if the primary borrower cannot.
Enrollment in an Accredited Program. Private lenders require applicants to be enrolled in an accredited dental school program. Accreditation ensures that the academic institution meets certain educational standards, providing lenders with assurance that the student is pursuing a legitimate and recognized course of study.

What is the maximum loan amount for dental school loans?

Lending companies may offer different maximum loan amounts for their dental school loans. Federal direct unsubsidized loans have a maximum limit of $20,500 per academic year and an aggregate loan limit of $138,500. Notably, the loan amount you are qualified to get annually may be lower than the annual loan limit. Thus, you must be aware of the following circumstances (Baylor University, 2024):

Your grade level year of education
Your Free Application for Federal Student Aid (FAFSA) determined information
The duration of your graduate study
Basis of direct loans, whether it is the scheduled academic year (SAY) or a borrower-based academic year (BBAY)
The equal disbursement requirement of eligible loans among terms in an academic year

Moreover, the Direct Graduate PLUS Loans offers funds up to the cost of attendance minus any other financial aid received.

Meanwhile, private loan limits are set by individual lenders and often depend on several factors, including creditworthiness, income, and the cost of attendance. Some private lenders may cover the full cost of dental school, while others might have specific caps. Considering your options and their different requirements, it is crucial for you to carefully research and assess both federal and private loans available to you to ensure that you choose the most suitable terms.

What are the current interest rates for dental school loans?

To effectively plan your finances for your graduate education in dentistry, you must deeply understand the interest rates of dental school loans. Federal direct unsubsidized loans for health professions have a fixed interest rate of 8.08% starting on July 1, 2024. This provides students with predictability and stability throughout the repayment period. You must take into account that federal loans are often a preferred option due to their consistent rates and flexible repayment options.

For private loans, interest rates can vary significantly based on the lender and the borrower’s credit profile:

Sallie Mae offers fixed interest rates ranging from 4.15% to 14.47% APR and variable interest rates between 5.37% and 14.96% APR.
College Ave provides fixed interest rates from 5.59% to 14.47% APR and variable interest rates from 4.17% to 14.47% APR.
Discover Health Profession Loans present fixed interest rates between 5.49% and 10.99% APR and variable rates from 6.49% to 12.37% APR.

When considering private loans, you must assess fixed and variable interest rates. Fixed rates offer stability, while variable rates fluctuate based on market conditions. Therefore, variable interest rates can result in lower initial payments but higher costs over time.

The chart below shows the current fixed interest rates of dental school loans in the US.

What factors affect the amount I can borrow for dental school?

Several factors influence the amount you can borrow for dental school. I have found that the following help determine your loan eligibility:

Cost of Attendance (COA). The COA includes tuition and other fees, books, supplies, and living expenses. Lenders use the COA to set the borrowing limit to ensure that loans cover educational expenses without exceeding the necessary costs.
Type of Loan. Federal and private student loans have different borrowing limits. Federal loans, such as direct unsubsidized loans, have annual and aggregate limits, while direct graduate PLUS loans can cover the full COA minus other financial aid. Meanwhile, private loans differ by lender but generally consider your creditworthiness and COA.
Credit Score. A higher credit score can increase your borrowing capacity, particularly for private loans. Lenders view good credit scores as indicators of reliability and often offer larger loan amounts and better terms to those who meet credit score standards.
Income and Employment Status. Your current income and employment status can affect private loan eligibility and amounts. Stable income can reassure lenders of your ability to repay and can potentially increase the loan amount offered.
Co-signer’s Creditworthiness. For students with limited credit history, a co-signer with a strong credit profile can significantly impact the amount you can borrow. A creditworthy co-signer can enhance your loan application and can lead to higher loan limits and more favorable terms.

What are the repayment options for dental school loans?

Just like how you can be on top of the college planning process, you can manage the process of paying back your dental school loans with several repayment options designed to suit different financial situations. With the average student loan repayment period at over 21 years (Johnson, 2024), you can explore the following four main options to find out about the option that will cost you fewer resources:

Standard Repayment Plan. This option involves fixed monthly payments for up to 10 years for federal loans. It is ideal for borrowers who can afford consistent payments and want to pay off their loans quickly to minimize interest costs.
Income-driven Repayment Plans. These plans, such as Income-based Repayment (IBR) and Pay As You Earn (PAYE), adjust monthly payments based on your income and family size. They benefit borrowers with lower incomes or fluctuating earnings, as they cap payments at a percentage of discretionary income and extend the repayment term.
Graduated Repayment Plan. This plan starts with lower payments that gradually increase every 2 years and stops at 10 years. It is suitable for borrowers who expect their income to rise steadily over time, making it easier to manage payments in the early years of their career.
Refinancing. Refinancing involves taking out a new loan with a private lender to pay off existing federal or private loans. It allows borrowers to get loans at a lower interest rate. This option can reduce monthly payments and overall interest costs but may involve losing federal loan benefits, such as income-driven repayment and loan forgiveness options.

What alternative loan options exist for students with limited credit history?

For dental students with limited or poor credit history, securing affordable loans can be challenging. However, there are alternative options to consider. One such option is obtaining small student loans designed specifically for individuals with less-than-perfect credit. These loans often have manageable repayment terms and accessible qualification criteria, reducing the barriers to funding your education.

Additionally, working with a co-signer who has a strong credit profile may increase your chances of approval and result in more favorable loan terms. Students should also explore institutional loans offered directly by dental schools, which sometimes provide more lenient credit requirements and competitive interest rates.

Before making any commitments, researching the best loan providers tailored for credit-challenged borrowers can unlock valuable opportunities. To start, consider reviewing this comprehensive guide on the best small student loans for bad credit to identify options that align with your financial situation and educational needs.

How can I compare dental school loan offers effectively?

To compare dental school loan offers, evaluate key elements such as interest structures, repayment flexibility, loan origination fees, and eligibility criteria. Analyze the fine print to determine how each option aligns with your financial profile and long-term objectives. Using side-by-side comparisons and market research will help identify competitive offers and potential cost savings. Additionally, refer to What banks offer student loans? for updated insights into institutional lending standards and options.

Can refinancing dental school loans reduce overall debt costs?

Refinancing dental school loans can consolidate multiple debts into a single payment with potentially lower interest rates and adjusted repayment terms. This option may offer improved cash flow, but it requires a detailed evaluation of existing loan conditions and current market offers to ensure genuine long-term savings. Borrowers should assess the potential trade-offs, including the loss of specific federal protections and benefits, before transitioning to a private refinancing option. Moreover, comparing various lenders’ offers helps in choosing terms that align with individual financial profiles while also exploring opportunities to broaden skill sets through complementary education, such as the best online certificate programs.

Are there loan forgiveness programs for dental school loans?

Loan forgiveness programs help remove the financial burden of student debt due to the cost of bachelor's degree and graduate programs. Some loan forgiveness programs also include dental school loans. For instance, the Public Services Loan Forgiveness (PSLF) forgives the remaining balance on federal direct loans after 120 qualifying monthly payments while working full-time for an eligible employer, including government or nonprofit organizations.

Moreover, the National Health Service Corps (NHSC) provides dental professionals with loan repayment assistance, so long as they have committed to working in underserved areas for a specified time period. The NHSC can award a maximum of $75,000 to full-time dentists and $37,500 to part-time dentists. Meanwhile, full-time dental hygienists can apply for loan repayment assistance of up to $50,000, and those working part-time can be awarded a maximum of $25,000 (NHSC, 2024).

State-specific programs also exist to provide loan forgiveness or repayment assistance for dentists who serve in high-need regions. These programs require a commitment to work in designated areas but offer significant financial relief by reducing or eliminating student loan debt.

The chart below provides a visualization for the maximum award amounts provided by the NHSC to help dentists working in underserved regions repay their dental school loans.

What financial planning tips can help manage dental school loan debt?

The average student debt for dental school graduates in the US was $296,500 in 2023, according to the ADEA (2024). Considering this, you must plan your finances strategically to manage your dental school debt effectively. The following are three essential tips:

Create a budget and stick to it. Develop a comprehensive budget that includes all income sources and expenses, prioritizing loan payments. By tracking spending and identifying areas to cut costs, you can allocate more funds towards reducing your debt and ensure that you stay on top of your financial obligations. It is also helpful to find effective ways to save for college to avoid more debt.
Explore income-driven repayment plans. Federal income-driven repayment plans can adjust your monthly payments based on your income and family size. These plans can lower your monthly payments and provide financial flexibility, making it easier to manage your debt while you build your career.
Consider refinancing options. Refinancing your loans with a private lender can potentially lower your interest rate and reduce the overall cost of your debt. This option is particularly beneficial for those with strong credit scores and stable incomes, as it can result in significant savings over the life of the loan. However, be aware that refinancing federal loans means losing access to federal benefits, such as income-driven repayment and loan forgiveness programs.

What scholarships are available for dental students?

Considering how many high school students in US academic institutions apply for loans and go into debt as well as the cost of college by country, scholarships can significantly reduce their financial burden. The following are three prominent scholarships available to dental students:

ADEA Scholarships, Awards, and Fellowships for Students. These awards are given by the American Dental Education Association to dental students who demonstrate academic excellence, leadership, and a commitment to dental education. They provide financial support to help cover tuition and other educational expenses.
National Health Service Corps (NHSC) Scholarship Program. The NHSC scholarship program offers full-tuition scholarships to dental students who commit to working full-time in underserved areas after graduation for 2 to 4 years. In addition to covering tuition, the NHSC Scholarship provides a monthly living stipend, which makes it a comprehensive financial support package.
Hispanic Dental Association (HDA) Foundation Scholarships. HDA Foundation scholarships are designed to support Hispanic students pursuing careers in dentistry. Awarded based on academic achievement, community service, and financial need, they help promote diversity within the dental profession and provide vital financial assistance.

Can exploring multi-disciplinary loan options optimize your financing strategy?

While dental school loans remain a primary funding source for aspiring dentists, evaluating financing options offered across health professions can yield valuable insights. Comparing terms, repayment schedules, and eligibility criteria of related loan products may reveal innovative solutions that align with your long-term financial objectives. For example, examining student loans for vet school can provide a broader perspective on competitive interest rates and flexible repayment plans. A thorough review of these alternatives supports informed decision-making that complements your specialized dental education funding.

How can trade school loans provide an alternative to dental education costs?

For aspiring dentists considering alternatives to traditional dental schools or seeking supplementary financial strategies, trade school loans can present a viable path to reducing educational expenses. Trade schools, also known as vocational schools, provide specialized training in specific fields, including dental hygiene and dental assisting—careers that can serve as stepping stones into the broader dental industry. These programs are typically shorter in duration and significantly more affordable than traditional dental doctorate programs, making them an appealing option for students looking to minimize debt while entering the dental field.

When exploring trade school loans, it is crucial to identify lenders that offer competitive terms and flexible repayment options tailored to vocational education. Many reputable loan providers support trade school programs, and understanding these options can help students build a strong financial foundation without accumulating excessive debt. Before you make any commitments, you should explore some of the best student loans for trade schools.

Whether you're pursuing an auxiliary dental career through trade school or taking a hybrid approach to your education, understanding various financing options can empower you to make informed decisions and achieve your goals with greater financial stability.

What advanced education options can enhance career prospects?

Dental professionals may consider further education to complement clinical expertise and gain leadership or specialized skills. Advanced educational pathways, such as pursuing related graduate programs, can offer strategic career advantages and improve financial returns over time. For instance, exploring master degrees that pay well may broaden opportunities in administration, research, or academic teaching. Professionals are advised to evaluate these options by considering factors such as curriculum relevance, potential job market benefits, and the overall impact on long-term financial stability.

How can professional certifications enhance career prospects in dentistry?

Dental professionals seeking to advance their careers often consider obtaining specialized certifications that can distinguish them in a competitive market. Industry-recognized certifications not only signal a commitment to continuous learning but may also open doors to higher-level positions and increased earning potential. Focused credentials validate expertise in niche areas of dental practice and demonstrate an ability to meet evolving patient and industry standards. For further insights into related educational opportunities, consider exploring certifications for best paying jobs.

Are there tax benefits associated with dental school loan interest?

Dental school loan interest may be tax-deductible if borrowers meet specific IRS criteria, potentially reducing taxable income by up to $2,500 annually. Careful review of current tax guidelines and consultation with a financial advisor are essential to determine eligibility while considering evolving tax laws. Evaluating these benefits in tandem with alternative financing strategies can enhance overall financial planning without compromising long-term goals. Additionally, exploring cost-effective academic pathways, such as the easiest major in college, may further support a sustainable financial approach.

Can an accelerated AA degree expedite entry into the dental field?

Dental professionals may consider an accelerated associate degree as a strategic pathway to gain foundational clinical skills in less time. Completing an accelerated AA degree program can offer a rapid transition from training to practical experience, enabling graduates to enter entry-level dental positions and establish practical competency quickly. This focused approach can reduce overall educational costs and time investment while still preparing students for advanced dental studies or career advancement in the dental sector.

Can interest free student loans reduce your dental education costs?

While conventional dental school loans remain prevalent, exploring alternatives such as interest free student loans can offer potential cost-saving benefits. Evaluating options that waive interest during specific periods or under qualifying conditions may mitigate long-term debt burdens. Consider assessing lender requirements, repayment timelines, and potential eligibility for these specialized loans as part of a broader financial strategy to minimize education expenses without compromising future financial stability.

How can online degree programs complement your dental education?

Integrating flexible online coursework can provide dental professionals with supplemental skills in healthcare management, patient care technology, and public health. By enrolling in 100% online degree programs, practitioners can enhance marketability and adapt to emerging industry trends while managing current professional responsibilities.

Key Findings

A 2022 survey by the ADEA reported that 65% of the dental school costs of respondents were funded through federal student loans.
In 2024, federal direct unsubsidized loans have a maximum limit of $20,500 per academic year and an aggregate loan limit of $138,500.
Federal direct unsubsidized loans for health professions have a fixed interest rate of 8.08% starting on July 1, 2024.
Sallie Mae offers fixed interest rates ranging from 4.15% to 14.47% APR and variable interest rates between 5.37% and 14.96% APR.
College Ave provides fixed interest rates from 5.59% to 14.47% APR and variable interest rates from 4.17% to 14.47% APR.
Discover Health Profession Loans present fixed interest rates between 5.49% and 10.99% APR and variable rates from 6.49% to 12.37% APR.

Other Things You Should Know about Dental School Loans

What is the average debt for dental school loans?

The average student debt for dental school graduates in 2023 is $296,500 (ADEA, 2024). This substantial amount emphasizes the importance of careful financial planning and exploring various loan options for aspiring dentists.

How do people afford to go to dental school?

People can afford dental school through a combination of financial resources, such as federal loans, which provide substantial funding with favorable terms and financial support from family and friends. Moreover, scholarships offer merit-based or need-based financial aid, while personal savings accumulated over time can also contribute significantly. Many students also work part-time jobs to supplement their income and manage the costs of their education.

Is dentistry worth it for the money?

Dentistry can be worth the investment due to its high earning potential and job stability, offering a significant return on the initial cost of education. However, it requires careful financial planning to manage the substantial student loan debt that is typically associated with dental school.

References

Baylor University. (2024). Health Profession Loans. https://onestop.web.baylor.edu/types-aid/loans/health-profession-loans
Commission on Dental Accreditation. (2023). Figure 1: Average United States Dental School Tuition and Fees for Public and Private First Year Students, in Nominal and 2022 Dollars, 2012-13 to 2022-23. https://www.ada.org/resources/research/health-policy-institute/dental-education
Johnson, H. (2024, January 25). How Long Does It Take to Pay Off Student Loan Debt? Investopedia. https://www.investopedia.com/how-long-pay-off-student-loan-debt-8549844
National Center for Education Statistics. (2010). Table 348. Average graduate and first-professional tuition and required fees in degree-granting institutions, by first-professional field of study and control of institution: 1988-89 through 2009-10. Digest of Education Statistics. https://nces.ed.gov/programs/digest/d10/tables/dt10_348.asp
National Health Service Corps. (2024, May). Apply for One of Our NHSC Loan Repayment Programs. https://nhsc.hrsa.gov/loan-repayment/nhsc-all-loan-repayment-programs-comparison