DentMent
Student Loan Calculator

What will dental school
really cost you?

Federal loans for dental students now stop at $200,000. See how much of your cost government loans cover, what's left to fund, and what your monthly payments, total interest and debt-free date could look like.

  1. 1Loan details
  2. 2
  3. 3

Step 1

Your dental school costs

Start with what school will cost in total — we'll work out how much you need to borrow.

Years left in school

$

Tuition, fees and living costs for the whole program

$

Money you won't need to borrow (optional)

Step 2

Government student loans

U.S. federal loans for professional students are capped at $200,000 in total (and $50,000 a year) for new borrowers from July 1, 2026.

$

Your total federal limit for this program. Leave blank to use $200,000.

$

For years you've completed — counts toward your limit, not extra debt (optional)

Government loan terms

% / year

Pre-filled with the 2026–27 federal rate for graduate/professional students

years

Auto: 10 years — the federal standard plan term for this balance

months

Time after graduation before payments start

Interest while in school

Step 3

Anything above the government limit

If your costs go above the government limit, you'll set the terms for the extra loan here.

Enter your total cost in step 1 to see whether you'll need more than government loans.

Not sure about a number? Your school's cost of attendance page lists total costs, and your loan offer or lender account shows the rate, grace period and term.

Estimates only — not financial advice. This calculator gives illustrative estimates based only on the details you enter. It assumes fixed interest rates, equal yearly disbursements and on-time payments, and does not include origination fees (1.057% on federal Direct loans), variable rates, income-driven plans such as the Repayment Assistance Plan, deferment, forbearance or loan forgiveness. The government figures use the U.S. federal limits for professional students on loans first disbursed on or after July 1, 2026 ($50,000 a year, $200,000 in total) and the 2026–27 federal rate; students who borrowed before that date may keep older limits for a time, and limits and rates can change. Funding options are general categories, not recommendations of any lender. This is not a loan offer, a guarantee of terms, or financial, tax or legal advice, and DentMent is not a lender. Confirm the details with your lender or your school's financial aid office before making borrowing decisions.

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