Minnesota · SCHOOL COST PLANNER

University of Minnesota School of Dentistry

See the full education budget, the amount federal loans could cover and the funding gap to plan for.

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2025–26 published cost of attendance

Tuition and fees, books and a living and other allowance. This is the newest sheet we found. These are budgets for different years of study in one academic year, not a guaranteed future four-year price. They already include estimated living expenses.

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Published residency budgetProgram years (planning assumption)

Year 1 total budget ($)Year 2 total budget ($)Year 3 total budget ($)Year 4 total budget ($)Annual cost increase (%)Scholarships / savings per year ($)

Your funding assumptions

Eligible for federal student loans

Uses new professional-student limits from July 2026. Eligibility and any transition exception must be confirmed with your financial aid office.

Prior graduate / professional federal borrowing ($)Other prior federal borrowing ($)Federal interest assumption (%)Private interest assumption (%)

YOUR ESTIMATE

$336,123

Total projected cost of attendance

Scholarships / savings: $0
Federal loans: $200,000
Remaining funding gap: $136,123
Debt at graduation*: $401,851
Estimated monthly payment*: $5,213

*Assumes the entire gap is financed privately, borrowing evenly through each year, no school-time payments and 10-year repayment after graduation. Simple interest estimate; excludes additional loan fees and prior debt. Interest rates are editable assumptions, not lender offers. A funding gap does not guarantee private loan approval.

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Your plan, year by year

Year	Total budget	Scholarships / savings	Federal loans	Funding gap
1	$88,017	$0	$50,000	$38,017
2	$86,691	$0	$50,000	$36,691
3	$82,946	$0	$50,000	$32,946
4	$78,469	$0	$50,000	$28,469

Planning estimate, not a financial aid award. Updated October 2, 2026. Read our sources and methodology.