Plan and print
Your dental school funding plan, on one page
Fill in the school and budget year, review the numbers from your loan planner, then print or save as PDF to take to your financial aid office. Nothing is uploaded: the page reads the plan saved in this browser.
Rules last reviewed September 2026 · Page updated 2026-10-06 · How we calculate · Check StudentAid.gov
1. Cost and funding
- School
- Not entered
- Budget year
- 2026–2027
- Program length
- 4 years
- Total estimated cost of attendance
- $403,414
- Scholarships, savings and other help
- $0
- Amount to borrow or cover
- $403,414
- Federal loans (assumed)
- $200,000
- Remaining gap (private loans or other funds)
- $203,414
- Federal loan eligibility
- Not answered in the planner (assumes federal loan eligibility)
- Borrowing limits assumed
- New limits: $50,000 a year, $200,000 total
The federal cap is reached before the full cost is covered, so the gap above has to come from savings, scholarships, family or a private loan. Private loans do not carry RAP, IBR or PSLF.
2. Repayment under different incomes
RAP follows your income with a one-year lag, so year 3 is the first full-salary year. Federal balance at repayment $300,000 at 8.20%.
| Scenario | Starting salary | RAP payment, year 3 | Tiered Standard payment | 10-year standard payment |
|---|---|---|---|---|
| Lower income | $135,000 | $1,048/mo | $2,306/mo | $3,632/mo |
| Your estimate | $180,000 | $1,434/mo | $2,306/mo | $3,632/mo |
| Higher income | $225,000 | $1,820/mo | $2,306/mo | $3,632/mo |
Lowest modeled total cost at your estimate: RAP → forgiveness at 30 yrs. That is not a recommendation. The right plan also depends on your budget, goals and the rules in force when you repay.
3. Questions for the financial aid office
- Is the budget I used the current-year cost of attendance, and how much does it rise each year?
- Am I treated as eligible for federal loans, and do I keep the old borrowing limits or fall under the new $50,000 a year and $200,000 total caps?
- How much can I borrow each term, and when is the money disbursed?
- Are there school scholarships or institutional loans that would reduce what I borrow?
- What does the school expect for books, instruments and licensing exams that are not in the budget?
- If my costs go up mid-program, what is the process to request a budget increase?
- What loan counseling and entrance paperwork do I need before the first disbursement?
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.
- Lower and higher income scale your starting salary and any career milestones by 25%. Imported loan files are not included here; use the planner for those.
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.
Questions
Is this an official financial aid offer?
No. It is a planning summary built from the numbers you entered and the published federal rules. Your school's financial aid office decides your actual budget and aid offer.
Where does the page get my numbers?
From the plan saved in this browser by the loan planner. If you have not used the planner yet, the page shows example figures that you can replace by filling in the planner first.
Is my plan sent to Path to Dentist?
No. The plan is read from your own browser and printed from there.
Prepared October 6, 2026 at pathtodentist.com. Estimates only, not an aid offer and not financial, tax or legal advice. Path to Dentist is not affiliated with the U.S. Department of Education or any school. Confirm every figure with your school and StudentAid.gov.