I would disagree with you on this. Two of the adcoms I've spokened to say they regard research quite highly. Just because you got in without doing any doesn't mean it has no impact on the admissions process. It does look good on the application. Is it 100% nessecary? No. But would it have an impact on your application? Certainly, according to the adcoms I've spoken to and I certainly value their opinions much more than people on sdn.
Later on in residency you could have an option to participate in research such as demographic/dental materials research. And you can get a stipend for that adding extra income to pay off loans. Getting that experience will certainly help you in the long run.
if the research is not something you are interested in doing, drop it. Find something you want to do.