Donovan & Limroth - Certified Public Accountants is one of the leading firms in the area. By combining our expertise, experience and the team mentality of our staff, we assure that every client receives the close analysis and attention they deserve. Our dedication to high standards, hiring of seasoned tax professionals, and work ethic is the reason our client base returns year after year.
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All communications between our firm and the user are encrypted using the Secure Socket Layer (SSL). This is the same functionality used by banks and popular e-commerce services for secure communication. We also store your files encrypted when they are at rest on our servers, adding an additional layer of security. To protect against data loss, our servers are equipped with technology that automatically mirrors all data in real-time to two separate locations. Regular incremental and full backups of all system data are performed, including off-site data backups stored in two separate secure physical locations, to protect against almost all disaster scenarios.
Like refinancing a mortgage or doing the “credit card shuffle” to move debt to lower interest rate accounts, dental school loan borrowers are considering the money-saving options for loan repayment and refinancing.
According to the American Dental Education Association, graduates in 2016 left school with an average of $261,149 in debt. When refinancing, a vital step is to research carefully and perform a long-term and short-term analysis, including tax implications, in order to make the best choices.
Donovan & Limroth recommends that you:
Review loan documents for interest rates, repayment terms, penalties, and other important information.
Research repayment options, which can include standard, graduated, extended and income-based repayments.
Calculate the advantages and disadvantages of loan consolidation.
Be aware that public service loan forgiveness and special protections, such as forbearance and income based repayment plans, which apply to federal loans, disappear when you refinance.
Consider a cosigner to help secure refinancing approval and lower your interest rate.
While in dental school, students are learning patient care, performing procedures and preparing for license exams — not focusing on finance planning and management. To assist students and newly practicing dentists, the American Dental Education Association (ADEA) offers a variety of educational debt management materials, including this video with additional student loan refinancing tips.
Donovan & Limroth is one of the leading firms in and throughout Seminole, FL. By combining our expertise, experience and the team mentality of our staff, we assure that every client receives the close analysis and attention they deserve. Our dedication to high standards, hiring of seasoned tax professionals, and work ethic is the reason our client base returns year after year.