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EdFed offers various loan options to all Dental students. To learn more about your eligibility criteria and up-to-date details on interest rates and borrower benefits, please call us at (800) 503-1146.


The currently enrolled DENTAL students can apply to EdFed's comprehensive Tuition Loan. Ranging between $3,000 and $50,000 per year, these loans are available to any U.S. citizen or permanent resident attending a Title IV or otherwise approved institution.


  • The interest rate on our Tuition Loan is set at the prime rate (currently 7.75%), adjusted monthly, plus a margin depending on your credit history.
  • The origination fee on the loan depends on your loan amount and credit evaluation.
  • Repayment can be deferred for up to 7 years after the loan is disbursed or 6 months following graduation or the time you leave school, whichever comes first.
  • Repayment terms of up to 20 years are available.

  • You can apply anytime, even after a semester has started. We can pre-approve you over the phone in as few as 3 minutes. Your Tuition Loan will be disbursed directly to you by check two business days after you submit your signed promissory note, proof of enrollment, and supporting documentation.

    Call us at (800) 503-1146 to speak directly with a financial advisor about eligibility requirements for our private loans. If you're ready to start an application, click here to go to our Registration Form. Finding out if you qualify is fast and free!


    EdFed also offers federally guaranteed Stafford and PLUS loans.

    Stafford Loans

    These being the most commonly used student loan; they are available to undergraduates, graduates, and professional students at a very low interest rate.

    Stafford Loans are either subsidized (the government pays the interest while you are in school and during grace and approved deferment periods) or unsubsidized (you pay all the interest, and payments can be deferred until after you leave school).

    PLUS Loans

    The Parent Loan for Undergraduate Students (PLUS) is part of the Federal Family Education Loan Program (FFELP).

    Any parent with an eligible undergraduate student can apply for this loan. Provided at a low interest rate of 6.10%, a PLUS loan allows the borrower to fund up to 100% of the cost of education less any financial aid already awarded. It is a cost-effective alternative to using savings, income, retirement accounts, or home equity loans for education costs.

    Also, beginning July 1, 2006, EdFed is offering the new PLUS loan for graduates. The Graduate PLUS loan was conceived with independent graduate students in mind; although eligibility is credit-based, a parent's application is not required.
    New Bill Introduced to Legislature to Help Dental Students
    By Brooke Heath

    For some, the goal of pursuing a career in dentistry formed in childhood while playing "dentist" with toys as patients and a pair of pliers as instruments. Others may have decided on this career later on after considering the benefits of a high-paying salary and the opportunity to help others. However, though many would like to pursue a DMD or DDS, the high costs involved and the large amount of student loan debt usually acquired can cause many would-be dental students to choose less-pricey career routes.
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