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Variable rates:

2.90% APR

to 8.58% APR

Fixed rates:

5.93% APR

to 10.19% APR

Lowest rate shown includes the auto debit discount. Only the most credit-worthy applicants may receive the lowest rate.

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.

Payment details

Select a variable or fixed interest rate

Variable rate: 2.90% - 8.58% APR

Your variable interest rate can rise or fall as the market index changes, so your Dental Residency and Relocation Loan payments may vary over time.


Fixed rates: 5.93% – 10.19% APR

Get predictable monthly payments with a rate that doesn’t change over time.

More about fixed rates VLess about fixed rates ^

You may pay more for your total loan cost because a fixed interest rate is usually higher than a starting variable interest rate.

Payment details

Deferred repayment

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).

In school & in grace In repayment No payments  Principal & interest  More about the deferred option VLess about the deferred option ^

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

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

Benefit from these Dental Residency and Relocation Loan features

Borrow up to $30,000; the money 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.

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

Get the money you need

Consider adding a cosigner

7 out of 10 Residency and Relocation Loan cosigner are approved, however, consider adding a cosigner if you think you might need help getting approved.

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 is easy


Provide some basic info

Give some details about yourself and your school.


Choose the number of disbursements

During the application process you can decide whether you want to receive funds in one disbursement or two.


Choose a delivery date for your funds

You can decide which date in the future you would like us to send you the funds.

Apply for this loan

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 loan is for students who are pursuing or have received a D.D.S., or D.M.D. degree. Students must be enrolled at least half-time in their final year of study at a participating dental school, or have graduated from one within the past 12 months. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend or graduate from a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and 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.

Interest is charged starting when the funds are sent to you. For those who graduate, the grace period is 36 months. For those who withdrawal or whose attendance falls below half-time status, the grace period is 9 months. Once principal and interest repayment begins, any Unpaid Interest will be added to Current Principal, increasing the 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.

Requests must be received in writing. Interest Only payments will not extend the loan term, but they will increase the Total Loan Cost. Plus, monthly payments following the Interest Only ones will be higher than they would have been otherwise.

The borrower or cosigner must enroll in auto debit through Sallie Mae to receive a 0.25 percentage point interest rate reduction benefit. This 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. It may be suspended during forbearance or deferment, if available for the loan.

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

Borrowers and cosigners with an available FICO® Score and a Sallie Mae-serviced 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. 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.

70% of Residency and Relocation Loan applicants who apply without a cosigner are approved on their own based on a rolling 12-month period from May 1, 2020 through April 30, 2021.

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: bankruptcy, foreclosure, student loan(s) in default, or 90-day delinquencies in the last 24 months. Requirements are subject to change.

Sallie Mae loans are made by Sallie Mae Bank.

Information advertised valid as of 11/06/2021.