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The Health Professions Loan is a subsidized loan with a 5 percent interest rate.
The loan has a 12-month grace period, meaning it does not begin to accrue interest and does not go into repayment until 12 months after the student drops below half-time status (below 6 credits). Students then have 10 years to repay the loan.
Dentistry (DDS) students who borrow $15,000 would have a monthly payment of $159.10 and total finance charges of $4,091.73 over the 10 years.
Pharmacy (PharmD) students who borrow $7,500 would have a monthly payment of $79.55 and total finance charges of $2,045.87 over the 10 years.