I'm a recent graduate and don't know if I should apply for this cycle (start school in 2017) or next (2018). My cumulative GPA is 3.59 and science GPA of 3.78. I am currently scheduled to take the DAT at the end of August. On practice tests, I have been scoring 21 on natural science and PAT, 20 on quantitive and 19 on reading comp. My major concern for applying this cycle is finances. On top of 15K in student loans and an additional 10K of debt from medical bills, my credit score is below average and I don't have someone to cosign for loans for dental school until next next summer. With finances being the major concern for waiting, would it be beneficial to wait and pay off these debts before applying or should I just go for it? Also, I have heard from friends that have been accepted to dental school that you stand the best chance of getting accepted if you apply early in the cycle. I'm not sure how much truth there is in this statement so any input would be appreciated.