Knowledge Base
Practical financial guides for dentists and dental specialists, organized so you can find the answer you need without digging through a traditional blog.
Featured resources
Which Student Loan Borrower Are You? Understanding the Four Borrower Groups
Your first loan date matters, but so do older balances and new borrowing after July 1, 2026. Here’s how to find your borrower group and explore your repayment options.
Read article Student LoansSAVE Forbearance Is Over — Here's the Decision to Make Before Your Deadline
The SAVE plan was struck down by a federal court, interest has been accruing on parked loans for over a year, and formal exit notices are already going out. Here's the real timeline and the choice in front of you right now.
Read article Student LoansPAYE Is Going Away: What Borrowers Need to Know About the Coming Student Loan Repayment Transition
PAYE is scheduled to end no later than July 1, 2028. Here's what that means for how your payment is calculated, why the date you borrowed matters more than the date you graduated, and why waiting until 2028 to figure this out is the wrong move.
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The Complete Dental Specialist Business Expense Checklist
A detailed, plain-English checklist of business expenses, equipment purchases and common mistakes for independent contractor dental specialists.
Business Tax Deductions for Independent Contractor Dental Specialists
What you can expense, what needs special treatment, and how to keep good records, with a free Excel tracker.
Residency and PSLF
Can your dental residency count toward Public Service Loan Forgiveness (PSLF)? Learn which residency programs qualify, how to start earning credit toward forgiveness, and why dental specialists should think carefully before building their careers around PSLF.
Working for a Private Medical Group? You May Still Qualify for Public Service Loan Forgiveness
If you're a physician working at a nonprofit hospital in California or Texas, you may qualify for **Public Service Loan Forgiveness (PSLF)**, even if you're employed by a private medical group or working as an independent contractor.
Borrowed Federal Loans Between July 2014 and July 2026?
You're in the last cohort with a foot in both worlds — eligible for the newer 2014 IBR terms and free to use RAP now that it's live. Here's why New IBR was built to outlast PAYE, and what to do if you're still parked in SAVE.
Which Student Loan Borrower Are You? Understanding the Four Borrower Groups
Your first loan date matters, but so do older balances and new borrowing after July 1, 2026. Here’s how to find your borrower group and explore your repayment options.
The 60–90 Day Cash Gap: Budgeting Your Transition from Residency to Practice
One of the strange things about finishing residency is that you can go from earning the least amount of money you will probably make in your career to earning the most you have ever made, and somehow still be short on cash.
What Is an Independent Contractor, and What Does That Actually Mean?
A plain-English explanation of what it means to work as an independent contractor, including how 1099 income works, business expenses, Schedule C, self-employment taxes, and when an LLC or S corporation may come into play.
SAVE Forbearance Is Over — Here's the Decision to Make Before Your Deadline
The SAVE plan was struck down by a federal court, interest has been accruing on parked loans for over a year, and formal exit notices are already going out. Here's the real timeline and the choice in front of you right now.
PAYE Is Going Away: What Borrowers Need to Know About the Coming Student Loan Repayment Transition
PAYE is scheduled to end no later than July 1, 2028. Here's what that means for how your payment is calculated, why the date you borrowed matters more than the date you graduated, and why waiting until 2028 to figure this out is the wrong move.
Private Refinancing and the Unintended Consequences: Part 2
So Why Might Private Refinancing Be a Bad Idea? You Lose Your Government Benefits
Private Refinancing and the Unintended Consequences: Part 1
An introduction to private student loan refinancing, including why borrowers refinance, how it can lower interest costs, and the important differences between private refinancing and federal Direct Consolidation.