What is your total projected debt? Undergrad included.

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Dipdoc

Dipdoc

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Title pretty much explains itself. Also how do you think your projected debt will affect your lifestyle? I was accepted to my state school and will graduate with about 280K from that alone, but I also had about 40K undergrad debt which puts me at 320K.. I think I could still manage a decent (but not lavish) lifestyle with this. I'm curious to see where others stand?
 
Is this a troll thread? I swear there is one underneath it with the same questions that is receiving a not so kind response from SDN.

Edit: Maybe slightly different than the other. I expect around 280k as OOS at UConn. I hope to specialize, so I expect my lifestyle is going to be not so great while interest accrues further.
 
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20k from undergrad, and depending on where I go for dental school could be anywhere between 240k and 360k all together
 
Kittenz said:
Is this a troll thread? I swear there is one underneath it with the same questions that is receiving a not so kind response from SDN.

Edit: Maybe slightly different than the other. I expect around 280k as OOS at UConn. I hope to specialize, so I expect my lifestyle is going to be not so great while interest accrues further.
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No this is not a troll thread, I'm sorry if it came off that way..
 
280k for state school. No undergrad debt. Still deciding whether to live in a box, and eat the grass on the school lawn coz then I'd save a lot but well.... Let's not be too stingy about it haha...
 
20k from undergrad and about 330k for dental school. Sooo chances are I'll be living in a cardboard box...
 
Looking like 30k undergrad, 200k DDS, with wife's 250k OD, 30k undergrad = 510k
 
300k including undergrad and accrued interest
 
I anticipate around 200k debt total after graduating dental school (not including interest).
 
State school, around 280K with interest. So maybe a decorated cardboard box for me. Haha.

No debt from undergrad! Whoot whoot.
 
Wow- I didn't realize so many people do not have undergrad debt- I have approx 100 K in undergrad debt bc my parents couldn't help me (there's 5 kids). With undergrad and Dental school will probs be looking at 350,000-400,000 in debt. Is this manageable. Also, does anyone have any ideas of how to make decent money in my time leading up to school. I've just been working student jobs. Thanks
 
km18 said:
Wow- I didn't realize so many people do not have undergrad debt- I have approx 100 K in undergrad debt bc my parents couldn't help me (there's 5 kids). With undergrad and Dental school will probs be looking at 350,000-400,000 in debt. Is this manageable. Also, does anyone have any ideas of how to make decent money in my time leading up to school. I've just been working student jobs. Thanks
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Are you attending private school? 100K for undergrad is a lot..
 
swindoll said:
Are you attending private school? 100K for undergrad is a lot..
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Yes I attend a private school that costs approx $50,000/yr. I knocked the cost about in half with scholarships, but do not receive financial aid from gov, etc. so it has left me with more loans.
 
$0.

For veterans with access to the Post 9/11 GI Bill, like myself, you get 36 months of tuition and fees paid for at a public university, along with a monthly housing stipend and some money for books. As a result, I'll effectively have to pay for 1 year of dental school, plus cost of living expenses for the four years (but only 1 year of housing expenses). I have a wife and child, but she plans on working so our CoL will be covered. Essentially, I'll just have to pay for a year of school, which we already have saved up.
 
No undergrad debt I've worked full time while being in school. My wife will work through dental school so I'll be around 200k total.
 
CraigHack said:
$0.

For veterans with access to the Post 9/11 GI Bill, like myself, you get 36 months of tuition and fees paid for at a public university, along with a monthly housing stipend and some money for books. As a result, I'll effectively have to pay for 1 year of dental school, plus cost of living expenses for the four years (but only 1 year of housing expenses). I have a wife and child, but she plans on working so our CoL will be covered. Essentially, I'll just have to pay for a year of school, which we already have saved up.
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Nice!
 
CraigHack said:
$0.

For veterans with access to the Post 9/11 GI Bill, like myself, you get 36 months of tuition and fees paid for at a public university, along with a monthly housing stipend and some money for books. As a result, I'll effectively have to pay for 1 year of dental school, plus cost of living expenses for the four years (but only 1 year of housing expenses). I have a wife and child, but she plans on working so our CoL will be covered. Essentially, I'll just have to pay for a year of school, which we already have saved up.
Click to expand...
Did you use a tuition repayment plan for your undergrad loans(if you had any)? I know it's available to some enlisted MOS's, but idk how that works for officers since you all have to have degrees.
 
260k for dental school and 25k undergrad. So 285k without interest... I'm going to try decreasing the dental school debt though. Maybe looking for cheaper places to live
 
Daneosaurus said:
Did you use a tuition repayment plan for your undergrad loans(if you had any)? I know it's available to some enlisted MOS's, but idk how that works for officers since you all have to have degrees.
Click to expand...

I didn't have any undergrad loans. My parents invested in the Florida Prepaid College Plan when I was young, so they offered to pay for my school as long as I went to a public university in that state.

As a side note: The FL Prepaid Plan is a great option for FL residents who want to pay for their child's college education. It has the added benefit of being unaffected by college tuition inflation, which has heavily outpaced traditional investment returns.
 
CraigHack said:
I didn't have any undergrad loans. My parents invested in the Florida Prepaid College Plan when I was young, so they offered to pay for my school as long as I went to a public university in that state.

As a side note: The FL Prepaid Plan is a great option for FL residents who want to pay for their child's college education. It has the added benefit of being unaffected by college tuition inflation, which has heavily outpaced traditional investment returns.
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Yup! Totally agree. My parents did this for my sister and I. We both have bright futures scholarships and Florida pre-paid so our parents actually get money back every month in the mail.
 
Less than $200K, in-state at LSU.
Full ride scholarship at undergrad.
 
$240k from dental.. around $40k from undergrad
 
I'm fortunate enough to have my undergrad payed for by my parents. If I end up staying home in Canada for D-school, it'll cost me about $180-200k... more if I end up elsewhere as an international student 🤢
 
principal only: prob a cool $300. interest cap. will probably adjust that halfway to $400 once i'm done.

#YOLO?
 
20K for undergrad. Looking at programs around the 65K price tag a year (Tuition, room, food, etc.) if I don't get into my state school. If I get into my state school, I can get that down to 50K.

So around 260K for out of state, 200K for state

ATSTill is like 109K/year!!! How can they justify doing that?
 
I'd say total about 300K.. 10K Undergrad, 45K masters, 165K Dental Tuition, 40K housing, 40K living expenses.
 
None for undergrad and approx. $360k for dental school. Woot.
 
Im looking at a principle somewhere between 400 -450k, probably 420k based on my calculations and my research into the area. I could bring it down by about 10k if I get an ugly apartment for 700/month instead of an awesome one (furnished w/ a gym, pool etc) for about 900/month. Fortunately I have no undergrad debt.

I plan to work as an associate for an year or 2 before I start my first practice. Im probably going to have to live a minimalist lifestyle, which shouldnt be too bad. I plan to live in a more rural area outside a small city/town so the cost of living wont be as high as it is in the big city and dentists tend to do better in such places (under-served communities).
 
None from undergrad (Thanks Mom and Dad!)

Projected 275K debt not including interest and including a low cost of living. It could be worse, considering I got a scholarship that knocked down 60K, so I could've had 335K.
 
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