DENTAL SCHOOL · RESIDENCY · PRACTICE
Dental student loan calculator
Estimate your payments, compare repayment paths and see what your dental school debt could cost.
Built around a real dental journey. Shahana Putta Jegadeshan is an internationally trained dentist and DMD student at UIC. She writes the dental pathway guides. Meet Shahana
Want your real balances? — it stays in your browser, and every number below uses your own loans.
Preview a sample result and its assumptions
This fixed illustration compares federal repayment plans with $350,000 in federal loans at 8.2%, a $180,000 starting income, single filing status, no dependents, $10,000 in annual retirement contributions and $3,000 in health premiums. It uses a prior-year adjusted gross income of $167,000 and assumes no private loans or autopay discount. Your own estimate will use the numbers you enter after opening the planner.
- RAP
- Standard 10-year
- Aggressive payoff
View as a table
| Year | RAP | Standard 10-year | Aggressive payoff |
|---|---|---|---|
| 0 | $300,000 | $300,000 | $300,000 |
| 5 | $297,480 | $174,434 | $98,548 |
| 10 | $294,480 | $0 | — |
| 15 | $290,529 | — | — |
| 20 | $267,569 | — | — |
| 25 | $206,968 | — | — |
| 30 | $86,163 | — | — |
Estimates based on the current planner inputs below. Compare the balance remaining alongside total payments, time to repayment and any projected forgiveness tax.
How these numbers are calculated
Rules last reviewed September 2026. Every result is an estimate from the inputs you enter and the published federal rules below, not a quote and not advice for your situation. Confirm with your servicer and your school's financial aid office.
Assumptions
- Rules: the 2026 federal student loan changes (RAP, Tiered Standard, IBR for loans disbursed before 7/1/2026, and the professional-degree caps of $50,000 a year and $200,000 total).
- Income grows at the yearly raise you enter, and pre-tax items grow at the rate you enter. Nothing else about your income is predicted.
- Payments are monthly, held fixed for 12 months and recalculated from the prior year's income.
- Future rule changes, tax-bracket changes and the RAP spousal-loan offset for joint filers are not modeled.
- Costs in future years are shown in today's dollars where labeled, using the discount rate in the planner.
- Federal-loan estimates assume you qualify for federal loans. Eligibility is decided by the FAFSA and your school.
- Income scenarios scale your starting salary and any career milestones by 25% in each direction and leave everything else as entered.
Official sources
What would change a result most: your future income, the interest rate on new loans, whether you qualify for federal loans, and any change to the federal rules after the date above.
Rules last reviewed September 2026 · How we calculate · Check StudentAid.gov
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