A student loan product designed for advanced dental professionals.
Follow these 5 Easy Steps to apply for our Loan Program.
Atlas One Lending provides short term student loans to bridge the gap in funding for advanced dental residency programs only. Only graduates from a Commission on Dental Accreditation (“CODA”) accredited dental school are eligible for this loan program. Atlas One Lending loans are fully deferred while in your residency program and for one (1) year after graduation. Interest accrues during deferment. The outstanding amount of any principal, fees, and interest accrued must be paid on or before the loan maturity date, which is one (1) year after graduation.
Yes, a minimum FICO score of 700 is required for the borrower and co-signer.
11.75% Fixed. For example, a typical Atlas One Lending student loan made to a first-year resident borrower for a $10,000 loan, with one disbursement, a 11.75% fixed rate (13.70% APR), a 4.99% origination fee, a 4-year deferment period, and a single balloon payment at the loan maturity date. It works out to one payment for a Total Loan Cost of $15,903.41.
You may prepay your loan without penalty at any time.
The Atlas One Lending student loan program is a need-based loan program financing up to 50% of tuition and fees after reduction of any scholarships and grants. Current credit and other eligibility criteria apply. The origination fee may be financed upon request.
Yes, the origination fee is 4.99%.
Borrow Responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
This information is for graduate students enrolled in an Advanced Dentistry Residency Program at participating eligible schools. Borrowers must be U.S. citizens or U.S. permanent residents. Applications are subject to a requested minimum loan amount of $10,000. Current credit and other eligibility criteria apply.
Interest is charged throughout the life of the loan—beginning with disbursement, during school, through any grace period, and ending when the loan is paid in full. A balloon payment totaling both principal and interest accrued during the life of the loan is due on the loan maturity date. Advertised APR assumes a $10,000 Atlas One Lending student loan with a 3-year in-school period and 1-year out-of-school period.
Loan amount cannot exceed 50% of the tuition and fees less financial aid/scholarships received as certified by the school. Atlas One Lending reserves the right to approve a lower loan amount than the school-certified amount.
You must apply for a new loan each school year. We will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
Information advertised valid as of 05/15/2024.
ATLAS ONE LENDING RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.