Information for Graduating Class
Exit Counseling Requirements
Federal regulations require federal loan recipients to complete an exit counseling session.
Institutional and HPSL recipients must complete an institutional exit counseling session in addition to the federal loan exit requirement.
The purpose of the exit counseling is to answer any questions you may have regarding your rights and responsibilities as a borrower. Exit counseling is designed to prepare you to begin repayment of your student loans. This session will also provide you with detailed information regarding your deferment and cancellation privileges. It will provide you with your student loan indebtedness which includes all federal student loans received while you were a student at the Arthur A. Dugoni School of Dentistry.
All exit counseling must be completed before the check-out process begins. If the exit counseling requirement is not met, the Financial Aid Office will be unable to sign the student's closeout form.
Students who do not complete the online exit counseling session will have a hold placed on their academic record. A hold can have serious negative implications for dental students. the school is unable to release transcript to licensing boards and other agencies until the hold is lifted.
Whether you are preparing to start your dental practice or continuing into a specialty program or dental residency, you will be faced with new financial challenges. If borrowing has been part of your financial plan, you may find it worthwhile to take some time to educate yourself about managing your student loan debt.
Loan Deferment and Forebearance
- Loan Repayment Plans
- Public Service Forgiveness Program
- IBR (income-Based Repayment)
- Preparing for Loan Repayment
Recorded Presentations (Spring 2020)
The ADEA website has repayment information for dental students that cover various topics about your federal loans and include helpful information for you as you graduate and determine how you will be handling your federal loans after your grace period ends.
Service Commitment Loan Repayment Programs may be an option to help you pay your student loans. These programs pay off all or part of your loan based on your service commitment to their organization. Terms, condition and eligibility vary based on program selected.
The National Student Loan Data System, or NSLDS, is the U.S. Department of Education's central database for student financial aid records including all federal loans. You can obtain a listing of all your federal loans from this website. To log on, you will need your FSA ID.
You may want to consider collecting your current loan balances including interest from your servicers and use the Dental Loan Organizer and Calculator offered by AAMC/ADEA DLOC to estimate your future loan payments based on your selection of repayment options. This may help you with budgeting for your future expenses.