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

University of Kentucky
College of Dentistry

2008-2009 Student Financial Information

The University of Kentucky College of Dentistry is responsible for the management of over seven million dollars in student financial aid programs for doctoral (DMD) and graduate (MS) students enrolled in the College of Dentistry.  Unlike most dental schools that rely on a main campus or medical center student financial aid office for support, the college manages its own program and as a result can provide more individualized service to its students.

The college is committed to assisting eligible students in receiving financial aid (scholarships, loans, and federal work-study) to help cover expenses associated with attending dental school.  Although the college cannot guarantee that all financial need be met, the Financial Aid Coordinator assists student dentists to the limit of loan and scholarship funds under college management.  Student dentist may need to call on other sources of aid, if necessary, to supplement their annual financial aid award.

Approximately ninety-five percent (95%) of all of the college’s doctoral and graduate students receive some type of financial assistance.  The following philosophy is determined by the Federal Government for those programs it oversees:

Cost of Attendance (Approved Student Budget) minus the Expected Family Contribution
 (determined by a government calculation from the FAFSA application) equals the Financial Eligibility.
This eligibility is reduced by scholarships or fellowships, and the remainder may be covered by student loans
up to the limit allowed by law, as long as the Cost of Attendance has not been met.

While each professional student is considered independent, parental information is required of those who wish to apply for all types of financial aid, including some other low interest loans (Health Professions and Perkins Loans).  Students who will be applying for subsidized and/or unsubsidized Federal Stafford Loans only, do not need to submit parental information.

Below are the ESTIMATED expenses for 2008-2009.  This information should assist you in planning for the next academic year.  You will note that there has been an increase in both resident and non-resident tuition, as well as the mandatory fees required by the University.  While the tuition figures are higher than last year’s, they are comparable to other similar institutions.  Resident and non-resident tuition and costs at our benchmark schools of dentistry also continue to rise annually and are often higher than for the same programs at UK.  Consider the costs associated with your dental education as an investment in your future – an investment that usually pays great dividends during the course of your career.

Although the college follows an academic year schedule rather than one by semester, students are not expected to pay their tuition and university fees (student activity fee, student center fee, health service fee, etc.), or College of Dentistry fee (instruments, PTS (sterilization), etc.) all at once.  These expenses may be paid in half in August and half in January.  Deadline dates for payment are August 22 and January 22 of each year.

Applicants for 2008-2009 financial aid should submit the Free Application for Federal Student Aid (FAFSA) by April 15th, or as soon as possible thereafter.  The Financial Aid Office wants to insure that you are given every consideration for aid, so please apply early.

 

ESTIMATED EXPENSES
2008 - 2009
University of Kentucky College of Dentistry

CURRICULUM EXPENSES Dent I Dent II Dent III Dent IV
Tuition & Fees*
           Kentucky Resident  $ 22,780  $ 22,780  $ 22,780  $ 22,780
           Non-Resident  $ 46,474  $ 46,474  $ 46,474  $ 46,474
               
Instruments  $   4,296  $   4,804  $      136  $         -  
Prepared Tray Service (sterilization)  $   1,200  $   1,200  $   1,200  $   1,200
CPR  $        38  $         -    $        38  $         -  
Required Books/Manuals  $   2,140  $   2,504  $   2,544  $      790
Supplies  $   1,064  $   1,398  $      416  $         -  
National Board Exams (taken by computer)  $         -    $      296  $         -    $      296
Other Fees**  $      340  $      740  $      440  $      140
               
Total Resident Curriculum Costs  $ 31,858  $ 33,722  $ 27,554  $ 25,206
Total Non-Resident Curriculum Costs  $ 55,552  $ 57,416  $ 51,248  $ 48,900
* Mandartory fees are $ 523 per semester and include such things as the student health fee, activity fee, technology fee, Seaton Center fee, and are required  of students attending the University of Kentucky and all of its Colleges.
** Other fees include lab course fee, course evaluation fee, CPR for 1st and 3rd year, and standardized patient fee and clinical management fee for 2nd, 3rd, and 4th year.
LIVING EXPENSES FOR 11 MONTHS*
Rent ($700 mth x 11mth)    $   7,700
Utilities (gas, electric, phone, internet)($168 mth x 11mth)  $   1,848
Food ($275 mth x 11mth)    $   3,026
Transporation (gas, insurance, maintenance, parking)($215 mth x 11mth)  $   2,366
Personal (miscellaneous, clothing) ($200 mth x 11mth)  $   2,200
Health Insurance    $      990
Renter/House Insurance    $      200
 
TOTAL LIVING EXPENSES    $ 18,330
* Living expense budgets are for the student ONLY, and will be adjusted for those living with parents.  The budget will be increased for documented licensed child day care expenses.  The living expense amounts are based on a collective annual survey by currently enrolled dental and medical students along with information derived from the Federal Consumer Price Index.
COST OF ATTENDANCE - KY RESIDENT  $ 50,188  $ 52,052  $ 45,884  $ 43,536
COST OF ATTENDANCE - NON-RESIDENT  $ 73,882  $ 75,746  $ 69,578  $ 67,230
The average indebtedness for the University of Kentucky College of Dentistry Class of 2008 is approximately $ 144,032 including loans borrowed while undergraduates.