University of North Carolina at Chapel Hill Adams School of Dentistry
See the full education budget, the amount federal loans could cover and the funding gap to plan for.
Visit the school website ↗Make this budget yours
Off-campus fall and spring budget: tuition, fees, housing, food, books, travel, health insurance and loan fees. Excludes the separate summer-term budgets. The in-state year-3 figure was unclear on the page, so we derived it from the in-state and out-of-state gap in the other years. 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.
Read the university’s budget ↗Your funding assumptions
Uses new professional-student limits from July 2026. Eligibility and any transition exception must be confirmed with your financial aid office.
$325,466
Total projected cost of attendance
- Scholarships / savings
- $0
- Federal loans
- $200,000
- Remaining funding gap
- $125,466
- Debt at graduation*
- $388,651
- Estimated monthly payment*
- $5,032
*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.
Explore funding optionsYour plan, year by year
| Year | Total budget | Scholarships / savings | Federal loans | Funding gap |
|---|---|---|---|---|
| 1 | $87,836 | $0 | $50,000 | $37,836 |
| 2 | $78,798 | $0 | $50,000 | $28,798 |
| 3 | $81,478 | $0 | $50,000 | $31,478 |
| 4 | $77,354 | $0 | $50,000 | $27,354 |
Planning estimate, not a financial aid award. Updated October 2, 2026. Read our sources and methodology.