How to Afford Dental School: 9 Smart Strategies to Pay for Your Dental Education
Dental school is a dream for many—but the high cost of tuition can feel like a nightmare. With average dental school debt hovering around $300,000 or more, it's no wonder that students are asking: "How can I afford dental school?"
The good news? There are several smart and strategic ways to reduce costs, access funding, and manage your debt wisely.
In this post, we’ll break down 9 practical strategies to help you afford dental school—so you can focus on becoming a dentist without drowning in financial stress.
1. Apply to In-State and Lower-Cost Programs
One of the biggest cost factors is tuition—especially for out-of-state or private dental schools. Applying to in-state public schools can save you tens of thousands of dollars each year.
👉 Pro Tip: Create a spreadsheet comparing tuition, fees, and cost of living at each school. Don’t forget hidden expenses like instruments and board exams.
2. Take Advantage of Scholarships and Grants
Scholarships aren’t just for undergrad! Many dental schools, professional organizations, and even private foundations offer funding specifically for dental students.
American Dental Association (ADA) Foundation Scholarships
National Health Service Corps (NHSC) Scholarship
School-specific merit-based scholarships
Diversity and need-based grants
👉 Start early. Many scholarships have application deadlines before or right after you're accepted.
3. Consider the HPSP or NHSC Programs
If you’re open to serving in the military or working in underserved communities, these programs can cover full tuition and provide a monthly stipend:
Health Professions Scholarship Program (HPSP): Full tuition + living expenses in exchange for military service.
National Health Service Corps (NHSC): Scholarship or loan repayment for working in shortage areas.
👉 These programs aren’t for everyone, but they can be game-changers financially and professionally.
4. Work During Undergrad to Build Savings
Saving even a small amount during undergrad can help cover dental school application costs, relocation expenses, or early tuition payments.
Look for campus jobs or tutoring gigs
Consider summer internships or dental assisting roles
Avoid unnecessary spending—every dollar saved now helps later
👉 Even a modest savings account can reduce your need to borrow at high interest rates.
5. Apply for Federal Student Loans First
Federal loans typically offer lower interest rates and better repayment and forgiveness options than private loans.
Types of federal loans for dental students:
Direct Unsubsidized Loans
Grad PLUS Loans
👉 Fill out the FAFSA (Free Application for Federal Student Aid) as soon as it's available to qualify.
6. Live Like a Student—Even in Dental School
Your lifestyle has a huge impact on how much you’ll owe later. Living modestly during dental school can reduce how much you need to borrow.
Tips to save:
Share housing with roommates
Cook meals instead of dining out
Buy used textbooks or digital versions
Use student discounts for software, supplies, and transportation
👉 Small savings add up—and mean less debt down the road.
7. Understand Loan Repayment and Forgiveness Options
Don’t wait until graduation to learn about income-driven repayment (IDR), Public Service Loan Forgiveness (PSLF), and refinancing. Make a plan now.
👉 Tools like the Loan Simulator on StudentAid.gov can help estimate future payments and plan accordingly.
8. Ask About Financial Aid During Dental School Interviews
Each school has different financial aid resources. During interviews or virtual info sessions, ask:
What scholarships or grants are available?
What’s the average debt upon graduation?
Do students get help with financial planning?
👉 The right school should be transparent and supportive about finances.
9. Work Smarter During Breaks
Some dental students take summer research jobs, tutoring roles, or dental assisting work. These flexible jobs can supplement your income without derailing your studies.
👉 Bonus: Some of these roles boost your resume while paying you.
Final Thoughts: Yes, You Can Afford Dental School
Affording dental school may feel daunting, but with the right mix of planning, scholarships, smart spending, and financial aid, it’s absolutely possible. Start early, stay informed, and don’t be afraid to ask for help.
Your investment in dental school is also an investment in a rewarding, high-income profession. Make smart choices now, and you’ll thank yourself later.
