Private Dental School Loans

A dental loan you can trust. No surprises.

Dental school isn't easy. But funding it can be. We've built a private student loan for DMD or DDS students with clear terms, low rates, and no fees.

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Check your eligibility. No credit impact.

Earnest Benefits

What to expect from your dental school loan

Full coverage. From tuition and lab fees to loupes and board exams, your loan can cover up to 100% of your school-certified costs. More studies, more smiles, no funding gaps.

Zero fees. With Earnest, the number you see is the number you get: no origination, returned payment, or late payment fees.

Flexibility. Get a 9-month grace period after you finish school, plus up to 48 months of deferment if you head into residency, an internship, or a fellowship. Your loan works for your path.

No surprises. You'll get a full picture of your monthly payment and estimated total costs before you sign. Every student loan has a cost, but you can be confident in knowing yours.

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Ranked #1 Private Student Loan Lender of 2026

420,000+

customers trust Earnest

1,300+

schools have Earnest as a preferred lender

Today's Fixed Rates

Low rates, no hidden fees

Apply on your own, or add a cosigner to help improve your approval odds and potentially qualify for a lower rate. Either way, applying takes less than 15 minutes.

Student Loan Calculator

Repay, your way

Whether you're heading into practice or residency, there's a loan that aligns with your goals. Earnest's four flexible repayment plans help you pay for dental school your way.

Deferred. Pay $0 while in school and during your 9 month grace period. Principal and interest payments begin after. Best if you're on a budget today, but will cost more in the long run.

Fixed. Pay $25 a month during school and the 9 month grace period. Principal and interest payments begin after that, but by chipping away early, you can reduce your total cost.

Interest only. Pay the monthly interest while you're in school and during your grace period. Principal and interest payments start after that, but making interest payments early saves you even more.

Full principal & interest. Start making monthly principal and interest payments right away. If it makes sense with your monthly budget, this is always how you'll save the most.

We've Got Your Back

Designed to help dental students succeed

Access real experts, real fast

You belong with patients, not in a waiting room. Our Client Happiness team is with you in 60 seconds or less — Monday to Friday, 6 a.m. to 5 p.m. PT — and they get how dental education financing works.

Count on your best rate, guaranteed

Stack our 0.25% Auto Pay discount with a 0.25% Loyalty Discount for returning customers. And if you find a better finalized offer elsewhere, we'll match it (and send you a $100 Amazon gift card).

Skip a payment

We know life happens. After 6 months of on-time payments, you can skip one payment a year with no fee, no penalty.