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 fees1.
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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
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:
.
Flexibility. Get a
after you finish school, plus up to 48 months of
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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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.
Cosigned
1.99%APR
( including 0.50%* combined
rate discounts )
*Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount.
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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
help you pay for dental school your way.
Deferred.
while in school and during your
. Principal and interest payments begin after. Best if you're on a budget today, but will cost more in the long run.
Fixed.
a month during school and the
. 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.
Run through the options with our student loan calculator before you decide.
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We've Got Your Back
Designed to help dental students succeed
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Access real experts, real fast
You belong with patients, not in a waiting room. Our Client Happiness team is with you in
or less — Monday to Friday, 6 a.m. to 5 p.m. PT — and they get how dental education financing works.
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Count on your best rate, guaranteed
Stack our 0.25%
with a 0.25%
for returning customers. And if you find a better finalized offer elsewhere, we'll match it (and send you a $100 Amazon gift card).
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Skip a payment
We know life happens. After 6 months of on-time payments, you can
with no fee, no penalty.
See what people say about us
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Apply With Earnest
No fees¹, no stress, apply in just 15 minutes
Check your eligibility
Done online, no credit impact. After applying, most qualified applicants get a decision in
or less.
Choose your terms
Pick a fixed or variable rate, term, and
. Use our calculator to find the right fit.
Sign and sit back
We'll send your loan details to your school and handle the rest. 10 out of 10 future dentists love this part.
Got questions? We've got answers.
Have more questions? Visit the Help Center.
The Earnest Blog
Get the facts on paying for dental school
Earnest Private Student Loans are subject to credit approval.
Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans options. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at studentaid.gov.
1 Earnest does not charge fees for origination, late payments, returned check, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
last updated: 09/14/2026