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Financial Planning Resources for Students and New Graduates

Planning ahead to minimize debt

Dental Student Loan Repayment Programs and Resources
The ADA collects information on student loan repayment programs. Access a list of federal and state programs that offer loan repayment assistance, which are often in exchange for services in a healthcare shortage area. Download the free pdf here.

Financial Planning Issues for Dental Students
Let's face it -- dental school is expensive! Take control of your money management now and stay on track for a bright financial future. Plan ahead with the free PDF Financial Planning Issues for Dental Students.

Financing your Education

Federally Funded Scholarships

Here are some federally funded scholarships that may be of interest to you:

  • Scholarships for Disadvantaged Students
    These scholarships provide funds to eligible schools for the purpose of providing scholarships to full-time, financially needy students from disadvantaged backgrounds enrolled in health professions programs. For more information, call HRSA, 888.275.4772.
  • National Health Service Corps (NHSC) Scholarship Program
    Dental students may compete for NHSC scholarships beginning in their sophomore and junior years The program offers payment of tuition and fees, books, supplies, and equipment and includes a monthly stipend. In exchange, recipients must agree to provide oral health services for a minimum of two years in any underserved community identified by the NHSC as being a critical need area. For more information, call NHSC, 800.221.9393.
  • Armed Forces Health Professions Scholarships (HPSP)
    The U.S. Armed Services offer scholarships to dental students that pay tuition, feels, books and a monthly stipend. All are highly competitive programs. The active duty obligation is one year of service for each year of scholarship support with a minimum of three years of active duty service. Scholarships are available annually from all service branches. For information contact the individual branches of service.
  • National Institute of Dental and Craniofacial Research (NIDCR) Short-Term Training Awards
    This program provides underrepresented minority and women dental students and opportunity to obtain research experience during their professional training. Recipients receive a monthly stipend during training periods. Applicants must be enrolled at a U.S. dental school and be a U.S. citizen, a non-citizen national of the U.S., or lawfully admitted for permanent residence. All minorities are eligible, but NIDCR determines if minority status is underrepresented. All recipients must sign an agreement that they will fulfill payback requirements. For more information contact NIDCR, 301.594.7617
  • In addition to scholarships, there are branches of the federal service that offer financial assistance and/or loan forgiveness to dental students in exchange for a work commitment. Find out more by viewing the Web sites for these organizations:

Making Smart Decisions– Resources for New Graduates

The ADA Center for Professional Success
Visit the Center at, for tips for choosing a career path to balancing personal and professional lives to patient communication strategies.

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