- 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
Here's our current dental student loan interest rates:
5.34%
to 14.47% APR
3.59%
to 14.47% APR
(all rates shown include auto-pay discount)2
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
5.34%
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.
3.59%
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.
College Ave | Sallie Mae | Discover | |
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Number of Repayment Options |
4 |
3 | 4 |
Choice of Repayment Terms |
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Apply in 3 Minutes |
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Grace Period | 12 months | 12 months | 9 months |
Residency Deferment |
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*Comparisons based on information obtained on lenders’ websites as of November 1, 2024.
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.
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 Status1
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 StatusYou 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.
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.
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
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.
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. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.
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.
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.