Education
Advanced and Graduate Education Students
Financial Aid
Graduate Budgets
Each year, the University of Florida Student Financial Affairs Office
establishes a budget for graduate and postgraduate students.
- 2010–2011 Financial Aid Budget
for dental graduate and post-graduate students
Fees
In addition to tuition, some programs are required to purchase instruments. In 2010-2011, students were budgeted the following amounts for purchasing instruments:
- Endodontics: $36,836
- Orthodontics - $ 1,870
- Periodontics - $10,985
- Prosthodontics - $3,850
Financial Aid Newsletter
We want to keep you informed of financial aid frequently asked questions and recent developments in the funding world. Periodicially the college will distribute a newsletter addressing these issues.
The Office for Student Financial Affairs (SFA) has developed a video tutorial for student loan programs. The video contains information applicable to all aspects of your student loans at the University of Florida. The tutorial walks through the steps necessary to apply, accept and receive federal Direct Student Loans.
Deferments
Advanced education students (graduate students, residents, and fellows) are eligible to defer student loans during their postdoctoral dental training period. The Office of Education serves as a liaison between you and your respective financial institutions for processing of these loan deferments. For additional information, please direct inquiries to Assistant Dean of Advanced & Graduate Education, University of Florida College of Dentistry, PO Box 100407, Gainesville, FL 32610-0407, 352-392-2949.
For further information on loan deferments, check out the ADEA Dental Residency Deferment fact sheet.
Procedure for filing loan deferments
Obtain an In-school Deferment form from your lending financial institutions. Complete, sign, and forward to the Office of Education, Advanced & Graduate Education, PO Box 100407, Gainesville, FL 32610-0407 or drop off in Room D3-11 for processing. A copy is kept in your academic record in the event documentation is needed. The most frequently used lender is the federal government Direct Loans Services. Information about deferments can be found on their web site.
Loan Consolidations
Below are some of the most frequently asked questions pertaining to loan consolidations.
- What is loan consolidation and what are the benefits of consolidating?
- Loan consolidation is the process of paying off or “refinancing” several loans with one new loan. Many students consolidate for convenience. Students that have borrowed from multiple loan servicers find it much easier to deal with and make payment to one loan servicer. Often times, consolidation also allows students to capture a lower fixed interest rate on their loans. The lower fixed rate reduces both monthly payments and the total repayment amount.
- Who should I contact regarding consolidation?
- Start with Direct Loans Borrower Services. One of the keys to successful consolidation is understanding the terms and conditions of the new loan and being aware of the benefits that you stand to gain by consolidating.
For more information regarding consolidation, visit the Federal Direct Consolidation Loans Information Center.
Funding Links
There are many resources available for financial assistance. Included here are a few for your investigation.
Free Application for Federal Student Aid (FAFSA)
Complete a Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA and return it to the federal processor as soon as possible AFTER January 1. A FAFSA must be completed each year to be considered for federal funds.
You may prefer to apply online by using FAFSA on the Web. We strongly encourage this method of applying since it is faster and generally more accurate because the online version has built-in edits. Apply for financial aid at the same time, or even before, you apply for admissions.
Florida Dental Association (FDA) Loan
The Florida Dental Association sponsors a loan program for qualified Florida residents. Applications for post-doctoral loans will be considered only after all undergraduate loan applications have been reviewed. Loans may not exceed $15,000 per applicant, or $5,000 per year. For information contact: Chairman, Task Group on Student Loans, Florida Dental Association, 1111 E. Tennessee Street, Suite 102, Tallahassee, FL 32308-6914, telephone 1.800-877-9922.
Veterans' Benefits
The advanced education graduate and residency programs have been approved for veterans' benefits. Visit the UF Department of Veterans Affairs web site for more information.
