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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.