Calculators

Residency deferment allows you to postpone your Dental School Loan payments during your residency programs, hitting pause on your payments for a period of time. You should contact us in advance if you plan to use this option for your dental school loan. It's important to know that your loan will continue to accrue interest even while in deferment so it's best to make payments if you can to continue paying down your balance.

This will depend on the type of loan you take out. You may qualify for a deferment period if you are clerking or working after your graduate.

If you need extra financial assistance while you're studying for the bar exam, we do offer a separate Bar Study Loan. This allows you to primarily focus on your studies and passing the bar without having to stress over your finances.

A good rule of thumb is to refinance high-interest student loans. Federal student loans have unique benefits that only apply to federal loans. You will forfeit all of those exclusive federal benefits if you refinance your federal student loans with a private lender. Both your federal and private student loans are eligible to be refinanced into one simple, monthly payment.

To qualify, undergraduate students with a social security number must be enrolled at an eligible school. International students will need to apply with a qualified cosigner that is a U.S. Citizen or a Permanent Resident. All students must meet the satisfactory academic progress (or SAP) guidelines as defined by their school.

A cosigner may be needed for student borrowers who do not meet financial, credit, or other requirements of taking out a private loan.

Generally speaking, the more student debt you have, the more money you can potentially save by refinancing your student loans. Student loan refinancing will only save you money if you qualify for a lower interest rate or choose a shorter repayment term.