Eligible entities are programs of general, pediatric, or public health dentistry in public or private nonprofit dental or dental hygiene schools, or approved residency or advanced education programs in the practice of general, pediatric, or public health dentistry. You must submit accreditation documentation for the relevant training program in Attachment 7, as identified in Section IV. Notice of Funding Opportunity. Use our track application tool. A personal loan calculator can help you decide what repayment term fits best with your budget.
If you have bad credit and decide to pursue a dental loan, consider a secured or co-signed loan to potentially receive a lower rate. Personal loans are low on the list of inexpensive ways to finance dental work, says Eric Simonson, a Minneapolis-based financial planner and owner of Abundo Wealth.
He recommends weighing other options before going with a personal loan. Here are some other ways to fund dental work:. Finance through your dentist. Some dentists offer an in-house payment plan that you can sign up for when faced with a big bill. Unlike regular dental insurance, you can take advantage of these plans when you learn you need expensive work done, Simonson says.
If you feel the rate quoted is too high, see what the prices are in your area using a site like fairhealthconsumer. Depending on the dentist, you may be able to negotiate for a lower price. Visit a dental school. Dental schools offer procedures at reduced prices so students can get experience under the supervision of skilled dentists. A medical credit card. Some offices offer financing through a medical credit card, like CareCredit.
CareCredit offers terms of six, 12, 18 and 24 months. Dental savings plan. You can get a dental savings plan through some insurance companies. We collect over 45 data points from each lender, interview company representatives and compare the lender with others that seek the same customer or offer a similar personal loan product.
NerdWallet writers and editors conduct a full fact check and update annually, but also make updates throughout the year as necessary. Our star ratings award points to lenders that offer consumer-friendly features, including: soft credit checks to pre-qualify, competitive interest rates and no fees, transparency of rates and terms, flexible payment options, fast funding times, accessible customer service, reporting of payments to credit bureaus and financial education.
We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. NerdWallet does not receive compensation for our star ratings. Read more about our ratings methodologies for personal loans and our editorial guidelines. Each lender has a minimum credit score requirement. Typically, good- or excellent-credit borrowers receive the best rates on personal loans.
If you have fair or bad credit, look for lenders that cater to borrowers with low credit scores. Both options can be an expensive financing option, but it helps to consider which one offers the lowest APR and has monthly payments that fit in your budget. Credit Score Learn More. Get rate. Our picks for Dental loans. APR 4. Credit Score None.
View details. Key facts A good option for those who have short credit histories and promising financial futures. Pros Accepts borrowers new to credit. Cons Borrowers can choose from only two repayment term options. Charges origination fee. No mobile app to manage the loan. Qualifications Minimum credit score: None. Must be at least 18 years old. Valid email account required. Personal bank account with U. Available Term Lengths 3 to 5 years. Disclaimer Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application.
APR 7. Credit Score Key facts The pioneer of peer-to-peer lending, LendingClub is a strong option for good-credit borrowers. Pros Offers co-signed and joint loan options. Cons Borrowers can only choose from two repayment term options. Charges an origination fee. Qualifications Minimum credit score of Minimum credit history of three years.
APR 5. Key facts Upgrade targets bad-credit borrowers with joint and secured loans. Pros Allows secured and joint loans. Cons Charges origination fee. No co-signed loan option. Qualifications Minimum credit score: ; borrower average is Minimum number of accounts on credit history: Two accounts. Available Term Lengths 2 to 7 years.
Fees Origination fee: 2. Key facts LightStream targets strong-credit borrowers with no fees and low rates that vary based on loan purpose. Pros No fees. Cons No option to pre-qualify on its website.
Qualifications Minimum credit score: Several years of credit history. Strong payment history with few or no delinquencies. Interest tax deduction.
We compare the following providers. A—Z List: Private Loans. A—Z List: Refinancing. Like other health professionals, most options available to dentists require you to work for at least a year at a low-paying job or in an underserved area. This is why you might not want to change up your entire career plans just for a forgiveness program.
Indian Health Service Loan Repayment Program Forgiveness through income-driven repayment plans Military loan repayment programs State loan repayment programs. Data updated regularly. Refinance all types of student loans — including federal and parent PLUS loans.
Get started More Info. Credible Student Loan Refinancing. Good to excellent credit. Get prequalified offers from top student loan refinancing providers in one place.
A leader in student loan refinancing, SoFi can help you refinance your loans and pay them off sooner. Splash Financial Student Loan Refinancing. Save on your student loans with this market-leading newcomer.
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Starting at 1. No minimum credit score. Compare options to combine both private and federal debts into one monthly payment. Compare up to 4 providers Clear selection. What is the average debt load of a dental student? Was this content helpful to you? Thank you for your feedback! Anna Serio twitter linkedin. Top Debt Consolidation Loans and Services Business loans for construction companies and contractors Compare financing options for your construction company.
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