For schools and institutions
Give your students loan counseling that matches the 2026 rules
Path to Dentist is an independent planning tool for dental students, residents and new dentists. License it for your program and your students get a branded version with your cost of attendance built in — and your office gets materials that are current with RAP, the new borrowing caps and PSLF.
Why this matters this year
The One Big Beautiful Bill Act changed federal student aid on July 1, 2026. Grad PLUS closed to new borrowers, professional students are capped at $50,000 a year and $200,000 in total, SAVE and PAYE are ending, and RAP replaced them with a payment based on a percentage of income. Most entrance and exit counseling materials still describe the old system.
For a student at a school charging $90,000 a year, the gap between cost of attendance and what federal loans now cover runs to six figures. That is a conversation your office is having whether or not the handouts have caught up.
What a license includes
Your branded version
Your name and colors, your cost of attendance preloaded by program year, and your financial aid office's contact details where students will see them.
The full student tool
The 8-step guide, the comparison of every repayment plan, the funding planner and the debt-to-income check — everything on this site.
Sessions for your students
Live or recorded walkthroughs for incoming and graduating classes, plus a version your staff can present themselves.
Updates as the rules move
Federal figures live in one file and are reviewed as ED, the IRS and HHS publish new numbers. Your version updates with them.
An optional AI explainer
Students can switch on an AI that explains their results in plain English, using their own API key, from their own browser. It is off by default, it never does the arithmetic, and you can have it removed from your version entirely.
What your review will ask
Where does student data go?
Nowhere we can see. Loan balances, income and household answers stay in the student's own browser: there are no accounts, no logins, and no server storing personal information, so there is no student record to protect, transfer or breach, and nothing for a FERPA review to cover. The pages that handle a student's aid file — the upload, the loan list, the aid summary — are built with no third-party code in them at all: no tag manager, no analytics, no requests to anyone. The public marketing pages do run Google Analytics for anonymous page counts, which is disclosed in the privacy policy; it never receives a student's figures.
Does it use AI?
The calculator does not. Every number comes from a deterministic engine that runs in the browser and returns the same answer for the same inputs, every time — which is what makes the figures auditable against published federal rules. Students may separately switch on an optional AI explainer that turns those results into plain English. It is off until a student turns it on, it runs on the student's own API key from the student's own browser, and it is instructed to explain the engine's figures rather than produce any of its own. We operate no AI service, hold no key and receive nothing — so there is no AI vendor in your data path to review. If your policy is simply no AI, we ship your version with it removed.
Is it accessible?
The site is built as standard semantic HTML with real headings, labelled form fields and keyboard navigation, and every page works without JavaScript for reading. We will complete an accessibility review for your version as part of onboarding.
Who pays for it — are there lender referrals?
You do. There are no lender referral fees, no affiliate links and no advertising in the student experience. That is deliberate: a tool that recommends repayment strategies cannot also be paid by lenders.
How accurate is it, and who is liable?
Figures come from published federal rules, each one traceable to its source, and every result is labelled as an estimate rather than advice. Students are directed to their servicer, StudentAid.gov and a professional before acting.
How does procurement work?
Most programs license annually. We can work under your small purchase threshold to avoid a formal solicitation, and we will provide a W-9, insurance details and whatever your purchasing office needs.
How it usually starts
- 1A conversationFifteen minutes on what your students are asking and what your current materials say.
- 2A pilotOne class uses the tool for a term at no cost. You get an aggregate usage summary — counts only, no student data.
- 3A licenseIf it earns its place, we set up your branded version and agree the sessions for the year.
Who licenses it
- Dental and other professional schools
- Residency and advanced education programs
- ASDA chapters and student organizations
- State and national dental associations
- Group practices onboarding new associates
- Financial planners working with dentists
Start the conversation
Tell us your program, your class size and what your current counseling covers. We will come back with what a pilot would look like and what it would cost.
partner@xocaliber.ioPath to Dentist is a product of XO Caliber and is independent of any university, lender or government agency.