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Dental School Cost & Scholarship Toolkit

See the real cost of dental school, compare loans, HPSP, NHSC, and IHS side by side, and understand service commitments before you sign. Updated for the 2026 federal loan changes.

What's inside

  • What changed in 2026: Grad PLUS ended for new borrowers; new $50,000 yearly and $200,000 total federal limits
  • Four-year cost-of-attendance worksheet, including the costs people forget
  • Loans, military HPSP, NHSC, and IHS compared side by side
  • Service commitments explained in plain language, with five honest questions
  • Questions to ask a recruiter, the NHSC or IHS, and your financial aid office
  • Excel cost calculator: totals, funding gap, federal limit checks, and a payment estimate
Download free (PDF · 8 pages)Download the cost calculator (Excel)More resources

Free for personal and educational use. © ToothOps.

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ToothOps is created by a dental student and HPSP (Health Professions Scholarship Program) recipient. All views are personal and do not reflect any school, military branch, or government agency. Content is for informational purposes only and is not medical or dental advice. Always consult a licensed healthcare provider or dentist for personal care.

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