# 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.

## Let’s get started

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](/content/student-loans/rate-match-faq/index.html) (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.