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Dental Residency & Relocation Loan®

 

Keep the best dental residencies within reach! 

  • No payment while in school & for 3 years after graduation1
  • Competitive interest rates 
  • Cover the cost of finding a residency

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A cosigner can really pay off


A cosigner can help you qualify

Applying with a creditworthy cosigner may give you a better chance of approval.

Easier cosigner release
You can apply to release your cosigner after you graduate and make 12 consecutive, on-time principal and interest payments.


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Call us at 877-279-7172

A cosigner can really pay off

A cosigner can help you qualify
Applying with a creditworthy cosigner may give you a better chance of approval.

Easier cosigner release
You can apply to release your cosigner after you graduate and make 12 consecutive, on-time principal and interest payments.

Learn more

Encouraging Responsible Borrowing

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

 
 

Cover residency & relocation expenses with dental school loans

With the Residency and Relocation Loan from Sallie Mae, you can finance the costs associated with finding a dental residency, including travel to interviews and relocation costs, which are not covered by federal student loan programs. You can also use the loan to cover board examination expenses.

Defer Payments Until After School
  • The Residency and Relocation Loan gives you the flexibility to defer payments while you are enrolled at least half time and for three years after graduating school.
Lower Your Interest Rate
  • When you enter repayment, you can lower your interest rate by 0.25 percentage point while enrolled to make your scheduled monthly payments by automatic debit.
Cover the Cost of Finding a Residency
  • You can borrow as little as $1,000 or as much as $20,000.
Be In Control of Your Funds
  • All disbursements are made directly to you.
Enjoy Total Convenience
  • 24/7 online account management.
  • Easy online application—about 15 minutes is all you need.
Encouraging Responsible Borrowing

Sallie Mae has helped more than 30 million Americans pay for college since 1972. We encourage students and families to supplement their savings by exploring grants, scholarships, federal and state student loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

Interest Rates
  • Rates are variable, and range from LIBOR + % (% APR) to LIBOR + % (% APR).
  • Get a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit.
Loan Limits
  • Students can borrow from $1,000 up to $20,000.
Fees
  • No origination fees.
  • No repayment fees.
Repayment Terms
  • No payments required while you're in school.
  • Multiple repayment options are available.
  • No prepayment penalty.
  • Repayment begins three years after graduation or nine months after leaving school or dropping to less than half-time status.
Eligibility
  • You must be a U.S. citizen or permanent resident or a foreign borrower applying with a creditworthy cosigner who is a U.S. citizen or permanent resident and present U.S. Citizenship and Immigration Service (USCIS) documents. Foreign borrowers must be attending a school located in the U.S.
  • You must expect to be awarded the D.D.S. degree during the same academic program year that you are applying for the Residency & Relocation Loan.
  • You must be enrolled in your final year of dental study.
  • You must meet current credit and other eligibility criteria.

Get Started  

With the Residency and Relocation Loan from Sallie Mae, you can finance the costs associated with finding a dental residency, including travel to interviews and relocation costs, which are not covered by federal student loan programs. You can also use the loan to cover board examination expenses.

Defer Payments Until After School

The Residency and Relocation Loan gives you the flexibility to defer payments while you are enrolled at least half time and for three years after graduating school.1

Lower Your Interest Rate

When you enter repayment, you can lower your interest rate by 0.25 percentage point while enrolled to make your scheduled monthly payments by automatic debit.2

Cover the Cost of Finding a Residency

You can borrow as little as $1,000 or as much as $20,000.

Be In Control of Your Funds

All disbursements are made directly to you.

Enjoy Total Convenience

Easy online application—about 15 minutes is all you need.

24/7 online account management.

Get Started  

Interest Rates

Rates are variable, and range from LIBOR + 3.00% (3.21% APR) to LIBOR + 9.75% (9.62% APR).1

Get a 0.25 percentage point interest rate reduction while enrolled to make scheduled monthly payments by automatic debit.2

Loan Limits

Students can borrow from $1,000 up to $20,000.

Fees

No origination fees.

No repayment fees.

Repayment Terms

No payments required while you're in school.1

Multiple repayment options are available.

No prepayment penalty.

Repayment begins three years after graduation or nine months after leaving school or dropping to less than half-time status.1

Eligibility

You must be a U.S. citizen or permanent resident or a foreign borrower applying with a creditworthy cosigner who is a U.S. citizen or permanent resident and present U.S. Citizenship and Immigration Service (USCIS) documents. Foreign borrowers must be attending a school located in the U.S.

You must expect to be awarded the D.D.S. degree during the same academic program year that you are applying for the Residency & Relocation Loan.

You must be enrolled in your final year of dental study.

You must meet current credit and other eligibility criteria.

Get Started  

 
 

*To participate in the Sallie Mae Residency and Relocation Loan program, dental schools are required to be accredited by the American Dental Association.

1 Variable rates may increase after consummation. Interest is charged while you are in school and during the applicable separation period of either 36 months after graduation or 9 months after withdrawal from school or attendance falling below half-time status. Any interest that remains unpaid when you enter full repayment will be added to your loan balance.

2 The rate reduction benefit applies only if the recurring payment is successfully deducted from the designated account and is suspended during forbearances and certain deferments. For multi-party loans, only one party may enroll in auto debit.

3 Only the borrower may apply for cosigner release. The borrower must provide proof of successful completion of school, be a U.S. citizen or permanent resident, be current and have made 12 consecutive on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed.

Sallie Mae Residency & Relocation Loans are intended to cover expenses not included in your school's cost of attendance.

Residency & Relocation Loans are made by Sallie Mae Bank® or a lender partner.

Information advertised valid as of 3/25/2014.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.

The Sallie Mae logo, Sallie Mae, Sallie Mae Bank and Residency & Relocation Loan are registered service marks of Sallie Mae, Inc.