*Rates displayed above are effective as of 02/02/2024 and reflect an Automatic Payment Discount of 0.25% on credit-based loans when you enroll in automatic payments. For more information, see repayment examples or review the Ascent Student Loans Terms and Conditions. The final amount approved depends on the borrower’s credit history, verifiable cost of attendance as certified by an eligible school and is subject to credit approval and verification of application information.
**Lowest rates require interest-only payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the repayment examples above, based on the amount of time you spend in school and any grace period you have before repayment begins.
*Want to see what your repayment plan and monthly payments could look like? Check out our loan repayment examples to help you make your decision.
- Forbes Advisor
You’ve already put a lot of work into preparing for dental school. Getting the financing you need shouldn’t stop you now. We’ve streamlined our application process so you can get your funds without getting a headache.
Submit your pre-qualification
We ask you to provide important information such as your name, address, date of birth, the school you’re applying to, and employment information. If you’re applying with a cosigner, they’ll also enter their information.
Select your repayment plan
Once your completed loan application is approved, you’ll be able to view your repayment options and select the loan terms that work best for you.
Complete your Ascent portal tasks
After you choose your loan terms, your Ascent portal will be populated with tasks to complete. These tasks include a financial wellness quiz and providing us with any additional information we need to prepare your loan.
We pay your school
When your portal tasks are complete, we send your loan for school certification. Once certified, we’ll disburse your loan directly to your school.
See your rates today without impacting your credit score.Apply Now
While it’s very difficult to pay for dental school without taking loans, diversifying the sources of your finances can help you save money. Many dental students take out federal loans first by filling out the FAFSA, then seek more funding through scholarships and private loans.
There are many options for dental scholarships available through the American Student Dental Association (ASDA), American Dental Association Foundation, American Dental Education Association (ADEA), and the American Association of Public Health Dentistry (AAPHD).
Ascent also gives out more than $80,000 in scholarships every year to students attending college, graduate school, and bootcamps. There are many chances to win, so make sure to check in regularly to see which scholarships we’re currently running.
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When does interest start to accrue on student loans? Ascent explains when student loans start to accrue interest and when to start paying.
Ascent Funding walks you through the changes that will be happening to the FAFSA with the FAFSA Simplification Act.
If your federal loans don’t cover all of your living expenses, a private student loan and scholarships may give you the financial assistance you need.
*The loan minimum amount is $2,001 except for the state of Massachusetts. Minimum loan amount for borrowers with a Massachusetts permanent address is $6,001.
When you take an Ascent loan, you’ll also have a wealth of financial resources available to you to help you succeed and develop a plan to tackle your debt after dental school. We also award more than $80,000 in scholarships each year to students.
Only you can decide if dental school loans are worth it for you. If you decide to go to dental school, Ascent is here to support you.
You can check what rates you qualify for without impacting your credit score.
Dental school loans with Ascent work in 4 easy steps. After you’ve been accepted to your dental school, you can begin the application for your loan. Once you’ve pre-qualified for your loan, you can accept the loan and customize your repayment options. We’ll keep you updated on additional tasks and documents that need to be uploaded.
Finally, your dental school will certify your approved loan amount and your funds will be sent directly to your school – any money that doesn’t go toward your school’s necessary funds will be sent to you to cover additional expenses.
DACA students may apply on their own with the proper documentation or with a qualified cosigner who is a U.S. citizen or U.S. permanent resident.
Don’t see your question? Check our FAQ page.
If you have questions or concerns about your dental school loan application, don’t hesitate to contact Ascent. We’re available to assist you and provide clarification on the loan application process, as well as any additional information you need to help make your decision.
Fill out our contact form to reach the Ascent team.
Ascent provides private student loans for various graduate student routes. If your heart isn't set on dentistry, we can still help you out! Check out our other graduate loan options.