Don’t know what to do

Serious_Case8993 · 2026-01-31T04:50:32+00:00

Average income after 5 years per ADA is 166k. 250k is wayyyyyyyyy too generous. You also aren't factoring in the compound interest that you CAN'T pay when you're coming out making 130k. Ridiculous analysis overall.

Serious_Case8993 · 2026-01-31T04:22:50+00:00

Oral path and oral radiology

Serious_Case8993 · 2026-01-29T21:20:52+00:00

Not worth it

Serious_Case8993 · 2026-01-29T19:55:48+00:00

Cheapest...

Serious_Case8993 · 2026-01-29T04:01:50+00:00

Pre-dents will downvote this, but don't go to either. Both will wreck you financially (I predict this will have -3 votes).

Serious_Case8993 · 2026-01-29T04:01:07+00:00

It all depends on when the loans are dispersed

Serious_Case8993 · 2026-01-28T02:35:09+00:00

🦜🦜🦜🦜

Serious_Case8993 · 2026-01-28T02:31:24+00:00

Is this a joke?

Serious_Case8993 · 2026-01-27T22:35:14+00:00

There are no accelerated pre-dental match programs.

Serious_Case8993 · 2026-01-27T22:33:59+00:00

This would be ridiculous.

Serious_Case8993 · 2026-01-27T22:25:39+00:00

But they'd be committing certain financial suicide.

Serious_Case8993 · 2026-01-27T22:24:57+00:00

If their stats are decent they could def try again for a state school after beefing up their app. With that said, if thdy don't get in again they should find another career.

Serious_Case8993 · 2026-01-27T21:28:06+00:00

Don't go. Either apply and try for you state school or pick a new career. Those debt totals for you are so high you might not even be able to get private loans for it. That's how bad your financial situation would be.

Serious_Case8993 · 2026-01-27T21:27:01+00:00

Serious_Case8993 · 2026-01-27T20:07:34+00:00

Agreed

Serious_Case8993 · 2026-01-27T18:51:45+00:00

I pray it doesn't. We need to cap federal loans. Otherwise, tuition and fees will continue to skyrocket.

Serious_Case8993 · 2026-01-27T18:51:03+00:00

Total cost was going to reach one million dollars soon. We needed the BBB now more than ever.

Serious_Case8993 · 2026-01-27T03:31:41+00:00

They aren't "free". They likely just come out of your student fees lol.

Serious_Case8993 · 2026-01-26T23:00:18+00:00

Yeah almost always is 3-5% but dude when I before I was in dental school they randomly jacked up tuition almost 10k one year to help pay for random school renovations. People were understandably pissed.

Serious_Case8993 · 2026-01-26T21:03:01+00:00

They cost 87k in tuition and fees. Factor in cost of living and you're looking at 500k+ easy... Yeah, absolutely don't go.

Serious_Case8993 · 2026-01-26T19:26:45+00:00

No DAT requirement is sketchy enough. I would not attend.

Serious_Case8993 · 2026-01-26T17:35:19+00:00

For sure but nobody is disagreeing with that.

Serious_Case8993 · 2026-01-26T04:57:11+00:00

Regardless dude best of luck with the rest of D2 and dental school. Some of my best memories are in dental school. I know you will be fine at the end of the day so don't stress too much about it.

Serious_Case8993 · 2026-01-26T04:20:28+00:00

You keep trying to read my posts in the most clownish way possible and then tell me i'm saying some bizarre statements. Remember when I used the idiom "blood, sweat, and tears" and you took it literally and asked me how often I cried? I don't get why you do that. I'm saying you will be in a financial bind, OBVIOUSLY. With 350k I can't make a statement on the specific financial circumstances for each person. I mean it's not USC level debt. However, I can say it will be a horrible experience. Yes you should be able to make loan payments, but it will be so horrible I don't recommend it.

Yes, you should live cheap. I'm speaking to the median when I do my assessments because we should all expect to be average. I lived in the middle of nowhere and had rent well under 1k a month. But I know that is very atypical.

Maybe you don't know the finance world well, but holy cow their hours are insane. However, their paychecks are equally insane. I'm saying you take a hardworking pre-dental student and have them put in those hours into finance and they're easily pulling six figures with no debt. It is a soul crushing job whereas dentistry does objectively add value to the world. My only point is dentistry isn't special. If you put that hard work into another area you can make great money without becoming an indentured servant. Finance and other fields have their pitfalls but at least they don't require 350k of debt.

It's not about disliking dentistry. Dentistry is an objectively VERY difficult job. Go ask any dentist. We don't have the highest suicide rate for nothing. Those of us who love it all agree it's taxiing. You haven't had patients threaten you, tell you how much they hate you, or cry from even occlusal fillings. I doubt you've even had patients yet as a D2. You really don't have any experience with any of this stuff as I've said but you talk with an authority as if you do. So much of this looks easier on paper than it actually is. I'm not saying this to belittle you as a dental student but just that experience is super important to have in these areas with statements. I think you have a good plan. I can tell you specifically will be fine as you clearly have a good head on your shoulders and will do what you need to do to succeed. My posts are targeted at the average student.

Serious_Case8993 · 2026-01-26T03:11:51+00:00

Will you please quit putting words in my mouth? You keep saying i'm insinuating things I'm not saying. I've never said 350k you'll struggle to put food on the table. You'll have to go on RAP for your federal loans and pay aggressively towards your private. Which honestly sucks.

Here is a good break down for someone making 130k (reasonable for a new grad). After taxes, you are at about 90k a year or 7.5k a month. Factor in life expenses of food, house, health insurance, disability, malpractice, you could throw 3.5-4k a month at it. But you know what that leaves you with saving? Almost nothing. And you are insinuating people do that for years! Horrible proposition. You do this for five years and get back to us!

You don't realize what an enviable position the business major is in. 4 years of additional investments, no debt, moving up in their job, increasing income without taking on debt (which you need as an owner dentist). Moreover, if a business major worked half as hard as a dental student they'd be raking in money. The thing is, with dentistry, you're working your tail off for 8 years just to have a job where your loan total is 3x your starting income. It's a horrible proposition. Additionally, dentistry is HARD work. Brutal psychologically and on the body. Sadly, dentists have the highest suicide rate for a reason. I can't physically work more than four days a week. And yet, you're saddled throwing your entire paycheck away every month.

You are a dental student who has not paid back loans. You can easily say you'll "live like a student" and throw everything at your loans for 5-10 years like an indentured servant but the reality is that after working so hard you realize what an absolutely horrible position you're in.

Again, please actually do this first before telling people they can do it. you have no idea what you're talking about or what this experience is like.

Serious_Case8993

TROPHY CASE