Competitive dental school loan interest rates

Variable Rates

4.04% - 13.30%*

  • Your payment may change every month.
  • Your interest rate varies and changes with market conditions.
Fixed Rates

5.12% - 14.75%*

  • Make the same payment every month.
  • Your interest rate is set the day you apply and doesn’t change.

*Rates displayed above are effective as of 10/01/2022 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.
**Lowest APRs require interest-only payments, the shortest loan term, and a cosigner, and are only available to our most creditworthy applicants and cosigners with the highest average credit scores.

Customize your dental school loan repayment options

Flexible Repayment Plans

  • $25 minimum* if you want to get started on your payments while you’re still in school.
  • In school interest-only repayment if you can afford larger payments while in school.

Extended In-School Period

  • We offer deferment of dental school loans up to 48 months while you’re enrolled at least half time.
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Postpone Payments

  • The grace period allows you to postpone payments up to 9 months after graduation, giving you time to focus on what matters.

*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.

5 Benefits of dental school loans with Ascent

  • No application, origination, or disbursement fees
  • No penalties for early loan payoff
  • 1% cashback + discount for automatic payments
  • Refer a friend and earn $525 for each friend who takes a loan
  • Defer payments up to 9 months after graduation
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What are others saying about Ascent?

How to get your dental school loan

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.

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    Step 1:

    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.

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    Step 2:

    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.

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    Step 3:

    Complete your Ascent Portal tasks

    After you choose your loan terms and accept your disclosures, 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.

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    Step 4:

    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.

Ready to start your loan application?

See your rates today without impacting your credit score.

Apply Now

More sources of funding for dental school

Federal aid for dental students

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.

Dental school scholarships

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.

Financial wellness tips for grad school

To help you with your student loan for law school, we incorporate financial wellness into our application process. This gives you exclusive access to tips and resources to prepare you for financial success in school and after graduation.

Frequently asked questions about dental school loans

Can I take out federal loans for dental school?
Yes, many dental school students apply for federal loans first through the FAFSA, then cover additional expenses with private student loans. The federal loans available to you may consist of Federal Direct Unsubsidized Loans and Grad PLUS Loans.

Dental school can be a full time job itself, making it likely that even part-time work will be difficult to incorporate into your schedule. If your federal loans don’t cover all of your living expenses, a private student loan and scholarships may give you the relief you need.

How much can I take out in loans?
The maximum loan amount for Ascent loans is limited to the total cost of attendance for one full academic year, minus any financial aid, as certified by your school. Keep in mind that your school may certify your loan for less than the amount that you requested.

  • Minimum:  $2,001
  • Maximum (aggregate): $200,000 for Undergraduate Loans; $400,000 for Graduate Loans
  • Maximum for the academic year:
  • $400,000 for Graduate Credit-Based Loans

Are loans for dental school worth it?
It’s usually very difficult to pay for dental school without loans due to the high costs of attendance, but most graduates don’t have too much trouble finding a job. There are many resources available for dental school students and graduates to help you land the job you’re looking for, such as Dental Practice Matchmaker and Dental Nachos.

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 give out 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.

What are the credit requirements for a dental school loan?
The credit requirements for Ascent’s loans are subject to change, and your own credit requirements may depend on whether you’re applying with a cosigner or not.

You can check what rates you qualify for without impacting your credit score.

Applying with a creditworthy cosigner may help make your loan offer more reasonable. Your cosigner can be released from your loan at a later date.

How do dental school loans work?
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 the amount you’re approved for and your funds will be sent directly to your school – any money that doesn’t go towards your school’s necessary funds will be sent to you to cover additional expenses

Can international students get loans for dental school?
Yes, Ascent’s graduate loans are available for international students attending U.S.-based institutions. To apply for our student loan for dental school as an international resident, you’ll need to apply with a creditworthy cosigner. Your cosigner must be a resident of the United States.

DACA students may apply solo with proper documentation or with a qualified cosigner.

Don’t see your question? Check our FAQ page.

Contact us for help with dental school loans

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.

Pursuing a different educational route?

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.

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