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University of Kentucy College of Dentistry 
Building a Foundation for the Future
 
DMD Program

Financial Aid Introduction

Dear Current and Prospective Dental Student:

A dental education is an expensive undertaking.  While the major responsibility for financing a professional education rests with you and your family, external agencies, such as the federal government, assist students by offering low cost student loans to supplement family contributions.  Financial aid is only available to cover education-related expenses for the student for one academic year.  Reapplication is required for each subsequent year.  Federal and state law prohibits the use of financial aid for non-educational expenses such as car loans, lifestyle choices, and credit cards.

Dental students often incur large sums of student loan debt.  As part of our mission, the Financial Aid Office encourages you to borrow conservatively, so that when repayment begins, your debt burden remains manageable throughout the repayment period  To help you, the office offers general financial counseling as well as debt management strategies to help you keep your debt to a minimum.

Each year, students who wish to obtain financial assistance must complete the application process as outlined under "How to Apply for Financial Aid."   It is the policy of the College of Dentistry that all students applying for school-managed funds should first obtain the William D. Ford Direct Loan.  School-managed funds are not sufficient to meet the financial needs of all students without the use of this loan source.

Federal aid is a wonderful program to help relieve the burden of the high cost of a dental education, but student loans are serious contracts between you and the federal government.  Heavy borrowing while in school may limit you career path once you become a dentist.  Before you begin your dental education, take a few minutes to reevaluate your lifestyle, prepare a written budget and practice sticking to it, get your credit in shape, and Always Borrow Conservatively.

Sincerely,

Don Brown
Financial Aid Coordinator