For new grads and residents, associates, years 1–5
Your loans after graduation
Repayment was rebuilt in 2026. SAVE is over, the Repayment Assistance Plan started July 1, and forgiveness outside PSLF is federally taxable again. Start here before you pick a plan.
- The Repayment Assistance Plan (RAP), explained for dentistsHow RAP payments are figured, what they look like at resident and associate incomes on $300,000 of dental school debt, and when another path wins.Read →
- PSLF for dentists: FQHCs, the VA, IHS and teaching jobsWhich dental jobs qualify for Public Service Loan Forgiveness, how the 120 payments work, and what an FQHC dentist on RAP could have forgiven tax-free.Read →
- Student loan forgiveness is taxable again: what dentists should plan forThe tax break for forgiven student loans ended after 2025. What's still tax-free, how big a RAP tax bomb could be for a dentist, and how to plan for it.Read →
- Consolidation vs refinancing: the differenceDirect Consolidation keeps your loans federal at a blended rate. Refinancing makes them private. What each does to your rate, RAP and PSLF.Read →
- CalculatorRefinance or forgiveness?Total cost of RAP, PSLF and refinancing, side by side, with a verdict.Run your numbers →