08/27/2026
Still paying off dental school loans? Changes to federal repayment plans could eventually affect both how much you pay each month and how long you remain in repayment.
PAYE is being phased out, IBR remains an option for certain borrowers, and the new Repayment Assistance Plan (RAP) adds another possibility. But for dentists, choosing a repayment plan shouldn't be based solely on finding the lowest monthly payment.
Student debt can affect practice cash flow, taxes, retirement savings, borrowing decisions, and plans to buy or expand a practice. Understanding how the options fit into your larger financial picture is just as important as knowing what your next payment will be.
Learn what’s changing and what dentists should consider before making a move: https://eandassociates.com/still-paying-dental-school-loans/
Dental school loan repayment options are changing. Learn how PAYE, IBR and the new RAP plan could affect payments and financial plans.