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Variable rates:

4.12% APR

to 9.49% APR

Fixed rates:

5.50% APR

to 9.99% APR

Lowest rates shown include the auto debit discount. Only the most credit-worthy applicants who choose the interest repayment option may receive the lowest rate.

Designed for your dental school needs with 0% origination fee



of all your school-certified expenses like tuition, fees, books, housing, meals, travel, and even a laptop. No max for all years of dental school.


month grace period

to support you during the start of your dental career.


months of deferment

during your residency and fellowship.


years to repay

your Dental School Loan with no prepayment penalty.


interest-only payments

for eligible borrowers after the grace period for repayment flexibility.

Choose the loan option that works for you

Select a variable or fixed interest rate

Variable rates: 4.12% - 9.49% APR

Your interest rate can rise or fall as the market index changes, so your Dental School Loan payments may vary over time.

More about variable rates VLess about variable rates ^

Get a rate that may be less than a fixed interest rate, which could result in a lower total loan cost.

Fixed rates: 5.50% - 9.99% APR

Get predictable monthly payments with a rate that doesn’t change over time.

More about fixed rates VLess about fixed rates ^

You may pay more for your total loan cost because a fixed interest rate is usually higher than a starting variable interest rate.

Pay it back now or later

Pay later

Deferred repayment option: Make no payments while you’re in school and in grace (12 months after leaving school)

In school & in grace After school No payments  Principal & interest  More about the deferred repayment option VLess about the deferred repayment option ^

With this Dental School Loan repayment option, you'll likely pay more for your total student loan cost, since the interest rate may be higher and unpaid interest will be added to your principal amount at the end of your grace period.

Pay a little and save

Fixed repayment option: Pay $25 every month you’re in school and in grace, and you can save on your total loan cost when compared to our deferred repayment option.

In school & in grace After school $25 a month  Principal & interest  More about the fixed repayment option VLess about the fixed repayment option ^

While your total loan cost will typically be less than with our deferred repayment option, unpaid interest will be added to your principal amount at the end of your grace period.

Pay interest and save even more

Interest repayment option: Pay your Dental School Loan interest every month you're in school and in grace. Your interest rate will be 0.50 percentage points lower than with the deferred repayment option and 0.25 percentage points lower than with the fixed repayment option.

In school & in grace After school Pay interest monthly  Principal & interest  More about the interest repayment option VLess about the interest repayment option ^

Your total loan cost will likely be lower than with the other repayment options, but your Dental School Loan payments will likely be larger while you’re in school and in grace.

Benefit from these features

Lower your total loan cost—get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Pay no origination fee or penalty for paying off your Dental School Loan before its due date.

You can apply to release your cosigner after you graduate, make 12 on-time, principal and interest payments and meet certain credit requirements.

Keep on top of your credit with a quarterly FICO® Credit Score, available online for free to you and your cosigner.

Pay for all your school-certified dental school costs—plus residency expenses with the Sallie Mae Dental Residency and Relocation Loan—with a single, established lender.

The Dental School Loan vs the Federal Direct Grad PLUS Loan

The Sallie Mae Dental School Loan can be a good alternative to the Federal Direct Grad PLUS Loan, and if you're highly qualified, you may receive a lower interest rate.

  Sallie Mae Dental School Loan Direct Grad PLUS Loan

No origination fee


Available for less than half-time enrollment


Offers variable interest rates


Offers fixed interest rates

No origination fee


12-month grace period


Deferred repayment option

Interest and fixed repayment options


Rate reduction for auto-debit enrollment

Get the help you need during your dental residency or fellowship

Find flexibility with a residency deferment

A deferment may help you postpone or reduce your Dental School Loan payments during your residency. It’s available in increments of 12 months, up to a total of 48 months.

Find out about a residency and fellowship deferment

Pay for your residency expenses

Our Dental Residency and Relocation Loan can help you pay for expenses associated with board examinations, interview travel, and moving costs.

Learn about the Dental Residency and Relocation Loan

Applying is easy


Provide some basic info

Give some details about yourself and your school.


Choose your options

After you’re approved, pick the repayment option and interest rate type that suits your budget and timeframe.


Accept your loan

Review, sign and accept your loan documentation. We'll take care of the rest with your school.

Apply for this loan

Questions? Need help applying?

Call us at


Didn’t find what you were looking for?
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graduate student loans.

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

This information is for graduate students enrolled in a D.D.S. or D.M.D. program at participating degree-granting schools located in the U.S. Graduate Certificate/Continuing Education coursework is not eligible. U.S. citizens or U.S. permanent residents are eligible. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Interest is charged starting at disbursement, during school and the separation/grace period, and until the loan is paid in full. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. Payments may be required during the grace/separation period depending on the repayment option selected. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $10,000 Dental School Loan with a 4-year in-school period.

Loan amount cannot exceed the cost of attendance less financial aid received as certified by the school. Sallie Mae reserves the right to approve a lower loan amount than the school-certified amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half time.

If at any time during the repayment period you enter an approved internship, clerkship, fellowship, or residency program you may contact us to request a deferment. To apply for this deferment, you must submit a form completed by you and an official from the approved program, to us for consideration. If you receive the deferment, the Current Amount Due you will be required to pay each month during the deferment period will reflect the same repayment option that applied to your loan during the in-school period. Deferment periods are issued in up to 12-month increments. You can receive a maximum of four 12-month deferment periods (48-month maximum). Interest is charged during the deferment period and Unpaid Interest may be added to the Current Principal at the end of each deferment period, which will increase the Total Loan Cost.

This repayment example is based on a typical Dental School Loan made to a first-year graduate dental borrower who chooses a fixed rate and the Fixed Repayment Option for a $10,000 loan, with two disbursements, and a 8.82% fixed APR. It works out to 57 payments of $25.00, 239 payments of $117.69 and one payment of $23.23, for a Total Loan Cost of $29,576.14.

Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

Available for loans used to pay qualified higher education expenses at a degree-granting institution. Graduated Repayment Period (GRP) allows interest-only payments for 12 billing periods after principal and interest repayment begins. At the time of GRP request, the loan must be current (not past due). Customers may request GRP during the six billing periods before and the 12 billing periods immediately after the loan first enters principal and interest repayment. GRP does not extend the loan term. GRP increases the Total Loan Cost and monthly payments after the GRP will be higher than they would have been without it.

Borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. This benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month and may be suspended during periods of forbearance or deferment, if available for the loan.

Only the borrower may apply for cosigner release. Borrowers who meet the age of majority in their state may apply for cosigner release by providing proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if your status has changed since you applied). In the last 12 months, the borrower must be current on all Sallie Mae serviced loans (including no hardship forbearances or modified repayment programs) and have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. When the cosigner release application is processed, the borrower must demonstrate the ability to assume full responsibility of the loan(s) individually, and pass a credit review that demonstrates a satisfactory credit history including but not limited to no: open bankruptcy, open foreclosure, student loan(s) in default or 90 day delinquencies in the last 24 months. Requirements are subject to change. Shortest qualification period based on a 3/29/18 review of national private loan programs offered by publicly-traded competitors.

Borrowers and cosigners who have an available FICO® Score and a Sallie Mae loan with a current balance greater than $0, may receive their score quarterly after the first disbursement of their loan. The FICO® Score provided to you is the FICO® Score 8 based on TransUnion data, and is the same score that Sallie Mae uses, along with other information, to manage your account. FICO® Scores and associated educational content are provided solely for your own non-commercial personal review, use and benefit. This benefit may change or end in the future. FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

Explore federal loans and compare to ensure you understand the terms and features. Sallie Mae Dental School Loans that have variable rates can go up over the life of the loan. Federal student loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment and income-contingent repayment plans, and loan forgiveness and deferment benefits, which other student loans are not required to provide. Federal loans generally have origination fees, but are available to students regardless of income.

Federal student loan information was gathered in May 2019 from and a May 23, 2019 Electronic Announcement from Federal Student Aid, an office of the U.S. Department of Education.

Sallie Mae loans are made by Sallie Mae Bank or a lender partner.

Information advertised valid as of 9/25/2019.