Federal Student Loans

Federal Student Loans Available to Pre-Dental Students

There are many federal loans a student can take while in dental school. All these loans must be repaid, I will give a brief overview of each loan. A dental student takes a combination of these three loans to pay for college. These are the most common loans dental students use.

Subsidized Direct or FFEL Stafford Loan

  • This loan must be repaid, the US Government Department of Education while student is enrolled in classes, the student must be at least half-time in college and have financial need. The loan amount is up to $8,000 dollars per year.

Unsubsidized Direct or FFEL Stafford Loan

  • This loan must be repaid, the borrower must pay interest during the life of the loan, most dental students take out loans to pay the interest for this loan. The student must be at least half-time in college to qualify. The student does not need to demonstrate financial need for this loan. You can get up to $20,500 per year depending on grade level and dependency status.

Direct or FFEL Plus Loan

  • This loan must be repaid, this loan is available to graduate and professional students. Financial need is not a requirement. Borrower must pay interest over the life of the loan. This loan covers the maximum cost of attendance, there is no minimum. This is how dental students pay for the majority of their dental school tuition.

This information was adapted from the Department of Education Federal Student Aid’s Website.

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