Dental School Loans

A Dental School Loan from College Ave can help you cover the costs of becoming a dentist with flexible ways to repay and zero origination fees.1

Variable Rates

3.49% - 12.98% APR

Fixed rates icon

Fixed Rates

4.24% - 12.98% APR

(all rates shown include auto-pay discounts)2

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How Much Does Dental School Cost? Average Dental Degree Tuition & Costs

Pursuing dental school is a costly endeavor, but with smart planning, you can pay back your loans sooner rather than later. We’re here to help you consider all the costs associated with dental school, preparing you for the many years of schooling ahead. Use our guide to explore the costs of dental school and what to expect.

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Rates & Repayment

Make Your Payments Work For You

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 dental school or make smaller monthly payments, we have choices for you too.

Repayment Options

Full Principal & Interest Payment

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

Keypoints
  • Highest in-school payment
  • Lowest overall cost
Interest Only Payment

Pay the interest charges each month as you go during school.

Keypoints
  • Moderate in-school payment
  • Full payments start 12 months after you leave school
Flat Payment

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

Keypoints
  • Lowest in-school payment
  • Full payments start 12 months after you leave school
Deferred Payment

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

Keypoints
  • No in-school payment
  • Highest overall cost
  • Full payments start 12 months after you leave school

You Pick How Long You Pay4

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

Save more
Save More Overall

Save on total interest but make bigger monthly payments

  • 5 years
  • 8 years
  • 10 years
  • 15 years
  • 20 years
Pay Less
Pay Less Monthly

Make smaller monthly payments but pay more in interest overall

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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.

Try Out Your Loan Options

How College Ave Dental Loans Stack Up

Lenders

College ave student loans
Discover
Sallie Mae
Number of Repayment Options
4
4
3
Choice of loan terms (years you take to repay)
Yes
No
No
Apply In 3 Minutes
Yes
No
No
Grace Period
12 months
9 months
12 months
Residency Deferment
Yes
Yes
Yes

Comparisons based on information obtained on lenders' websites as of November 1, 2022.

College ave student loans

Number of Repayment Options

4

Choice of loan terms (years you take to repay)

Yes

Apply In 3 Minutes

Yes

Grace Period

12 months

Residency Deferment

Yes
Discover

4

No
No

9 months

Yes
Sallie Mae

3

No
No

12 months

Yes

Comparisons based on information obtained on lenders' websites as of November 1, 2022.

KS

Kristen S.

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College Ave customer service is great.

College Ave made the loan process easy. They communicated every step of the way and included weekly status updates. They have several loan options and were competitive on interest rates.

KM

Kim M.

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Outstanding!

It is very easy to apply, once you get approved they will send confirmation to the school and you can start your class. They have the best customer service.

ES

Emma S.

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Very Helpful and Good

When I was in need of money to pay for graduate school, College Ave came through with affordable options. Very good.

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

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in-school payments
person browsing College Ave Student Loans application loan options
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Auto-pay set up

90 Days Before School Starts

Think about how much money you’ll need to borrow and who might cosign the loan with you.

60 Days before school starts

Start shopping around for the best loan by getting quotes, rates and terms from several lenders and know for sure who your cosigner will be.

30 Days before school starts

Apply for your student loan. Once approved we’ll work with your school directly to certify the loan.

10 Days before school starts

Make sure you’ve received confirmation that the money is scheduled to be sent to your school.

30 days after the money is sent to your school

Be on the lookout for your first loan statement. If you’re making payments right away, consider signing up for autopay.

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Are international students or cosigners eligible for your loans?

International students with a valid US social security number are eligible to apply for a student loan with College Ave Student Loans.

In order to be approved for a College Ave student loan, an international student will be required to apply with a qualified cosigner.

How much of my education costs will this loan cover?

Credit-worthy applicants can borrow up to 100% of the school-certified cost of attendance, which typically includes things like tuition and fees, books and supplies, room and board, transportation and personal expenses. The minimum amount you can borrow is $1,000.5

  1. You must be enrolled in a Doctor of Dental Surgery (DDS), 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. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
  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.
  5. As certified by your school and less any other financial aid you might receive. Minimum $1,000. Maximum $150,000.