Dear SDNF friends, If you are a recent grad of a dental school (less than 10 years), it would really help me out if you could answer the following questions for me. I am looking primarily at the financial aspect of a career in dentistry, not at the other angles, which I've analyzed enough. I've shadowed dentists etc to learn more about the day to day of dentistry and the need for manual dexterity. I don't know much about the finances of post-dent school life, as I'm getting such mixed data from different sources (i.e. ADA, SDN past posts, salary.com), etc. I decided to ask people who are recent grads theri experiences. Please answer as candidly as possible because your answers will really at least help me probe the issues further. 1) How much debt did you have when finishing dent school? 2) Did you do residency? if so, did you defer your loans at that time? 3) How much are your monthly payments for your loans? 4) How much money did you gross the first year out? (gross salary)? What was your net salary? How many hours a week did you work as an associate? 5) Did you have to pay out of pocket for malpractice insurnace? If so, how much was that insurance? 6) Do you plan (or did you already) to start your own practice? If so, what was your starting cost and how long after you graduated do you plan to or did you open your own practice? 7) What did you gross and net the first year of your practice? Cost breakdown if possible? 8) Are any of your family or freinds dentists which made it easier for you to buy into a practice or did you start from scratch? 9) If you had to do it all over again, would you say that dentistry is a good financial choice.... what would you do differently thus far in your dental career? You can PM me answers if you would like. Thank you.