Audio is embded into this post that may not be displayed in our emails. Click on the title to view the webpage. A lot of questions surround the Public Service Loan Forgiveness (PSLF) program since 99% of first-time applicants were denied forgiveness in late 2017 and early 2018. Since then, the program has been temporarily expanded and still has problems. You can learn more on NPR...
byChance BodiniSeptember 27, 2019
Many students will be matriculating from dental schools and residencies over the next 2 months, and student loans will be on their minds. Developing a strategy to repay (or at least manage) your loans early is extremely important. If you want to calculated what your monthly payment will be under PAYE or REPAYE, follow the steps outlined in the post.
byChance BodiniMay 13, 2019
Passing the AGD Fellowship Exam is a requirement to earn an FAGD. The video in this post explains what to expect during the examination. You can sit for the exam before obtaining 500 hours of CE. The exam is 4 hours in length and consists of 252 questions. The exam is based on a raw score, not a percentage.
byChance BodiniApril 26, 2019
Recently, there was a post on the Dental Nachos Facebook Group about what schools a young pre-dental student should apply to. You might have seen it. In my opinion, any answer besides the cheapest school with a cap (I put the cap around 300k), is absurd advice to give to a student you know little about, and it perpetuates the problem.
byChance BodiniMarch 31, 2019
The Rule of 72 is a simple way to estimate how long a particular investment or debt will take to double given a fixed annual rate of return. Some students try to apply this rule to their student loans, but it is not applicable because direct loan interest does not compound. For example, if an
byChance BodiniMarch 30, 2019
There is a video embedded into this post that may not display correctly if you are reading this via email. If you would like to see the post as it was intended, please visit the blog using a browser. The Patriot Act, a popular show on Netflix, recently highlighted the student loan industry. Unfortunately, there
byChance BodiniMarch 2, 2019
I have received several questions from readers regarding a switch from either IBR or PAYE to REPAYE. While there are benefits to REPAYE, it does not always make financial sense to switch from one plan to another, and deciding to make a switch requires an analysis of your own personal situation. Most dentists who I
byChance BodiniFebruary 7, 2019
I live in Southern California, and one of the dental practice brokers in the area is Bette Robin. I have not used, nor do I endorse her services; however, she recently released a podcast and this particular episode with Matt Christie of Bank of America is worth listening to. https://overcast.fm/+P8ASlbHvk Dr. Paul Goodman and other
byChance BodiniJanuary 26, 2019
As I was reflecting on 2018 over the New Year, I recalled Dr. Mike Meru’s story of a 1 million dollar student loan. In May 2018, the Wall Street Journal published an article about Dr. Meru’s student loan balance – which had exceeded 1 million dollars. If you subscribe to the WSJ, you can read
byChance BodiniJanuary 19, 2019
The first wave of subscribers are finishing the 20 emails about student loans. For those of you who are new, when you subscribe to the email campaign, you subscribe to this blog (EmbrasureSpace.org) – if you do not want emails like these, simply click the unsubscribe link at the bottom of this email and you
byChance BodiniDecember 9, 2018