Dental School Loans

  • Cover 100% of your costs for a professional dental degree1
  • Flexible repayment options and zero origination fees
  • Our three minute application makes paying for dental school simple
dental loans

Here's our current dental student loan interest rates:

Variable rates

5.59%

to 14.47% APR

Fixed rates

4.11%

to 14.47% APR

(all rates shown include auto-pay discount)2

Repayment Options

Don’t worry – we’ve got repayment options to fit your budget and goals. If saving on interest charges is important to you, you can start making payments during school and pay more each month. It’s ok if that doesn’t work for you right now though. If you need to defer payment until you’re done with dental school or make smaller monthly payments, we have choices for you too.

Pay During School

Full Principal & Interest Payments

Start repaying your principal and interest right away to save the most money on interest charges.

Interest Only Payment

Pay the interest charges each month during dental school.

Flat Payment

Make $25 payments each month3 during school to reduce your accrued interest.

No In-School Payments

Deferred Payment

No in-school payments required, but you’ll pay more interest over the life of your loan.

Repayment Terms4

Getting to choose how many years you take to repay your dental school loan can help take the stress out of borrowing.

Apply Now

Slide here to see how your costs change based on which loan term you choose.

Variable and Fixed Rates Explained

Pursuing dental school is a costly endeavor, but with smart planning, you can pay back your loans your way. We're here to help you consider all the costs associated with dental school, preparing you for the many years of schooling ahead. Choosing whether you want a fixed interest rate or a variable interest rate2 is one of the first steps to paying for dental school.
*all rates shown include auto-pay discount2

Variable Rate

variable icon

5.59%

to 14.47% APR

Variable interest rates are tied to a market index and will fluctuate - up or down - over time with the market. This will change your monthly payment amount.

Changes to the rate are typically based on a publicly available interest rate index such as the prime rate or SOFR.

Fixed Rate

fixed icon

4.11%

to 14.47% APR

Fixed interest rates stay the same for the entire repayment period. You will have the same monthly payment amount every month after entering full repayment.

Learn More About Interest Rates

See How We Compare to Other Private Lenders

College Ave Sallie Mae Discover
Number of Repayment Options 3

Not Accepting Applications as of January 31, 2024.

4
Choice of Repayment Terms
Apply in 3 Minutes
Grace Period 12 months 9 months
Residency Deferment
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checkmark

*Comparisons based on information obtained on lenders’ websites as of February 15, 2024.

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Advanced Loans for Dental School

You’ve picked a profession you love, and we’re here to help you get there. College Ave Dental Loans come with great rates and give you control over how quickly you pay the loan back. We can help take away the uncertainty of borrowing for dental school so you can focus on learning.

What parents and students are saying about us.

Easy and quick process

This is our 3rd student loan with CollegeAve. The most important part is, their process is very easy and it's quick as well to find the decision after pre-approval compared to other providers who generally takes many days before even you know the final decision. Thank you, College Ave team.

Anu

07/28/23

College Ave is a great place to get a student loan

College Ave is a great place to get money for students. The staff is so genuine, friendly and knowledgeable. They put you at ease. It takes the pressure off how am I going to pay for this semester or this year. It's a God sent. The application process is very easy and you don't feel violated or manipulated . And once the application process is finished you find out immediately if you have been approved. I don't know what I would have done if I didn't have College Ave.

Daisy

06/15/23

Highly recommend

I highly recommend College Ave for a student loan. The process was simple and quick. Not a lot of red tape. I like that my student was directly involved as well. Of course we discussed all the options but she ultimately made the decision herself. A good lesson in adulting.

Sandra

05/29/23

Overwhelmed? Don't Be! Just Follow These Easy Steps

person using a laptop with notebooks on the floorperson using a desktop computerlaptop with autopay chart displayed

1

Before school starts, figure out how much you’ll need to borrow. A good estimate is to take your cost of attendance and subtract any scholarships, grants, federal loans, and savings you plan to use.

2

Start shopping around for loans and apply for a dental school loan about 30 days before classes start. Know who your cosigner is, if you need one, and choose your loan term and repayment options.

3

Once approved, we’ll work directly with your school to certify the loan. After the money is sent to your school, be on the lookout for your first loan statement. If you selected an in-school repayment option, consider signing up for auto-pay.

Apply Now for a Loan Check Application Status
person using a laptop with notebooks on the floor

1

Before school starts, figure out how much you’ll need to borrow. A good estimate is to take your cost of attendance and subtract any scholarships, grants, federal loans, and savings you plan to use.

person using a desktop computer

2

Start shopping around for loans and apply for a dental school loan about 30 days before classes start. Know who your cosigner is, if you need one, and choose your loan term and repayment options.

laptop with autopay chart displayed

3

Once approved, we’ll work directly with your school to certify the loan. After the money is sent to your school, be on the lookout for your first loan statement. If you selected an in-school repayment option, consider signing up for auto-pay.

Apply Now for a Loan Check Application Status

FAQ’s for Dental School Student Loans

  • What programs qualify for a dental school loan from College Ave?

    You must be enrolled in a Doctor of Dental Surgery (DDS) or Doctor of Medicine in Dentistry or Dental Medicine (DMD) degree program at an eligible school to qualify for the College Ave Student Loans Dental School Loan.

  • Do dental school loans accrue interest while in-school?

    Federal PLUS student loans often used for graduate dental programs are unsubsidized loans meaning they will accrue interest while in-school. Private student loans for dental school, like our dental loan option, also accrue interest while you’re attending dental school.

  • What is residency deferment?

    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.

Footnotes

1

You must be enrolled in a Doctor of Dental Surgery (DDS) or Doctor of Medicine in Dentistry or Dental Medicine (DMD) degree program at an eligible school to qualify for the College Ave Student Loans Dental School Loan.

2

Variable rates may increase after consummation. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit.

3

This informational repayment example uses typical loan terms for a first year dental school student borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 6.24% fixed Annual Percentage Rate ("APR"): 60 monthly payments of $25 while in school, followed by 96 monthly payments of $157.79 while in the repayment period, for a total amount of payments of $16,647.63. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

4

This informational repayment example uses typical loan terms for a first year dental school student borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 6.21% fixed Annual Percentage Rate ("APR"): 120 monthly payments of $152.82 while in the repayment period, for a total amount of payments of $18,338.77. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

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