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When you have expenses that may not be covered by federal student loans, get the money you need to help pay for your dental residency.

Get a variable interest rate

Lowest rates shown include the auto debit discount


Variable rates: 5.21% - 11.67% APR*

Your variable interest rate can rise or fall as the market index changes, so your loan payments may vary over time.

Payment details

Principal and interest repayment

In school In grace In repayment No payments Principal & interest

Defer your principal and interest payments while you’re enrolled at least half-time and during your grace period (three years after you graduate or nine months if you leave school or drop to less than half-time status).*

While you’re in school and in grace, you can still make payments to help lower the total cost of your loan.

Get budget flexibility
You can request lower, interest-only payments for the first two or four years. After that, you’ll make principal and interest payments for the rest of the loan’s repayment term.

* Interest is charged starting at disbursement, while in school, during the applicable grace period of either 36 months after graduation or nine months after withdrawal from school, if your attendance falls below half-time status, and until your loan is paid in full. When you start paying principal and interest, any Unpaid Interest will be added to Current Principal, increasing your Total Loan Cost. Variable rates may increase over the life of the loan. Advertised variable rates reflect the starting range of rates and may vary outside of that range over the life of the loan. Advertised APRs assume a $20,000 loan disbursed at the time of student's graduation from school.

Benefit from these Dental Residency and Relocation Loan features

Take control of your money; the loan is sent directly to you.

Lower your total loan cost—get a 0.25 percentage point interest rate reduction when you enroll in and make monthly payments by auto debit.

Pay no origination fee or penalty for paying off your dental residency loan before its due date.

Borrow from $1,000 up to $20,000.

Track your credit health with quarterly FICO® Credit Scores available online for free to you and your cosigner.

Get the money you need

A cosigner can really pay off

Applying for a Dental Residency and Relocation Loan with a creditworthy cosigner may result in a lower interest rate.

Consider a cosigner

You can apply for cosigner release

You can apply to release your cosigner from the loan after you graduate, make 12 on-time principal and interest payments, and meet certain credit requirements.

Find out about cosigner release

If you need money for dental school

A Sallie Mae® Dental School Loan can help you get the money you need to continue your education. Choose a fixed or variable rate type and a repayment option that works best for you.

Learn about the Dental School Loan

Applying online is easy

is about all it takes to apply and get
a credit result.

of customers would recommend our online loan application process.

Source: Sallie Mae online loan application surveys, July 2016 – June 2017.

Questions? Need help applying?

Call us at 877-279-7172

Didn’t find what you were looking for? See all graduate student loans.

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

Residency and Relocation Loans are intended to cover expenses not included in your school's cost of attendance.

To participate in the Residency and Relocation Loan program, dental schools are required to be accredited by the American Dental Association.

This information is for borrowers who are pursuing or have received a D.D.S. or D.M.D. degree. Borrowers must be enrolled at least half time in their final year of study at a participating dental schoo, or have graduated from one within the past 12 months. Borrowers must be a U.S. citizens or a U.S. permanent residents if the school is located outside of the United States. Non-U.S. citizen borrowers who reside in the U.S. are eligible with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and are required to provide an unexpired government-issued photo ID to verify identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Borrower or cosigner must enroll in auto debit through Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. This benefit may be suspended during periods of forbearance or deferment, if available for the loan.

Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.

Borrowers and cosigners who have an available FICO® Score and a Sallie Mae loan with a current balance greater than $0, may receive their score quarterly after the first disbursement of their loan. The FICO® Score provided to you is the FICO® Score 8 based on TransUnion data, and is the same score that Sallie Mae uses, along with other information, to manage your account. FICO® Scores and associated educational content are provided solely for your own non-commercial personal review, use and benefit. This benefit may change or end in the future. FICO® is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

Only the borrower may apply for cosigner release. Borrowers who meet the age of majority in their state may apply for cosigner release by providing proof of graduation (or completion of certification program), income, and U.S. citizenship or permanent residency (if your status has changed since you applied). In the last 12 months, the borrower must be current on all Sallie Mae serviced loans (including no hardship forbearances or modified repayment programs) and have paid ahead or made 12 on-time principal and interest payments on each loan requested for release. When the cosigner release application is processed, the borrower must demonstrate the ability to assume full responsibility of the loan(s) individually, and pass a credit review that demonstrates a satisfactory credit history including but not limited to no: open bankruptcy, open foreclosure, student loan(s) in default or 90 day delinquencies in the last 24 months. Requirements are subject to change.

Residency and Relocation Loans are made by Sallie Mae Bank or a lender partner.

Information advertised valid as of 3/25/2019.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.