Direct Unsubsidized Loan

• Amount: Dental first year $44,944, second and third year $47,167, fourth year $42,722
• Interest Rates (2025-26); 7.94% once disbursed with 1.057% origination fee

Direct Graduate PLUS Loan

• Amount: remaining unmet cost of attendance
• Interest Rates (2025-26): 8.94% with 4.228% origination fee

Health Professions Student Loans (HPSL)

• Amount: cost of attendance; generally $10,000-$25,000/year
• Interest Rates: 0% while in school; 5% in repayment
• Based on financial need. We must review student & parental federal tax data each year.
• You will need to complete additional forms with the ULSD Office of Financial Aid and the Institutional Loan Servicer ECSI.

Private Dental Education Loan

• Amount: Remaining unmet Cost of Attendance
• Interest Rates: variable based on credit score, debt-to-income ratio, etc.
• This loan would be taken in place of the Graduate PLUS Loan.