Dentaltown New Grad 2013 - (Page 33)
finance
feature
by Todd Balsley
If you are a dentist or orthodontist, you are among the borrowers with the highest levels of student loan debt and who collectively owe a trillion dollars in student loans. Therefore, it is
critical to explore and analyze all available options and strategies
to lower the cost of your education due to the impact it can have
on your lifestyle.
The federal government has developed programs to address
this issue. If used correctly, they can provide dentists and physicians (two of the most expensive degrees) with effective means
to reduce the cost of their student debt.
Due to certain characteristics of practicing dentists, like relatively high salaries, not all programs described may be applicable. However, given the significant debt levels, it is important to
fully understand the options.
CCRAA and Student Debt Relief Programs
The College Cost Reduction and Access Act of 2007 or
CCRAA introduced the Public Service Loan Forgiveness (PSLF)
program to help borrowers who choose careers in public service.
The main feature of this program is total loan forgiveness after
the fulfillment of the required years of public service and number of qualified payments by the borrower. On July 1, 2009,
Income-Based Repayment (IBR) became available. Despite
being a more complex program than PSLF, IBR has proven to be
very helpful for many because it allows borrowers with high
amounts of debt to significantly reduce their monthly payments.
Qualification for IBR requires financial hardship on the part
of the borrower and monthly payments are capped based on a
percentage of the borrower’s discretionary income. When the
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dentaltown.com « NEW
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33
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Table of Contents for the Digital Edition of Dentaltown New Grad 2013
Howard Speaks: Informed Decisions
Professional Courtesy: So You Want to Be Successful? Be Professional
Continuing Education Update: Never Stop Learning
After Going Through Dental School, What Advice Would You Give Students?
Checklist for Reviewing an Associate’s Work
You Should Know: Townie Meeting
Office Visit: Resident On Call
Office Visit: In His Element
Are You Prepared to Begin Practicing Dentistry?
Three Stages of a Dental Career
What You Need to Know About Student Debt Relief
Gain an Early Financial Edge
Pregnancy and Employment in the Dental Practice
Personal Protective Equipment
Win Patient Loyalty
Denture Stabilization with Small-diameter Implants
Partnerships: A Match Made in Heaven or a Pathway to Financial Hell
Taking Oral Health Care Education from the Classroom to the Clinic
Continuing Education: Nine Lessons from the Real World
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