Frequently Asked Questions

Advertising Disclosure

Dental Debt Solutions was created for you by a member of your community. We have carefully curated our partners’ with your best interest in mind. Always. That said, we are affiliate partners with the student loan refinance companies who we feature in our website, meaning we do receive financial compensation from them for each loan refinance that is successfully completed if you click through the links provided on the Dental Debt Solutions website.

As a part of our mission, we aim to provide you with a platform that encompasses all of the most popular student loan refinance companies that are best for your profession and exclusive promotions that will help guide and jumpstart your careers.

How are you able to give up to $2,200²⁻¹º in a cashback bonus?

Simple. We take the lowest referral fee generation to help you and leverage your hunger to be excellent clinicians with the most innovative and forward thinking companies that want your business. 

I have already refinanced my doctor school debt before, can and should I do it again?

You can refinance your student loan debt as frequently as you want or need to, so if you’ve already refinanced but think you can still get a better interest rate, you can do it again. Some common reasons for refinancing medical school debt include:

  • Get another cashback bonus and access to our exclusive promotional goods and services 
  • Getting a lower interest rate on your loan
  • Adding or removing cosigners from the loan
  • Your credit score has recently increased, which can most likely reduce your interest rate
  • You need or would like to have a new monthly payment or length of the loan

If I am not a dentist, can I refinance my student loans through your website? 

Yes! You will still receive the same cashback bonus structure as the dentists but you may not be able to take advantage of the majority of exclusive promotional goods. See the full list of exclusive promotional goods here.

Can I get multiple cashback bonuses from Dental Debt Solutions if I refinance multiple times? 

Yes. But ONLY if you refinance with a different lender that you have not previously had a loan with before (previously refinanced through).

Is there a limit to how many cashback bonuses I can get from Dental Debt Solutions?

Yes. Seven (7) total cashback bonuses is the limit. If you refinance your student loans multiple times throughout your career (if interest rates get lower, want a longer/shorter loan term, etc), as long as you have not previously had a loan/account with the new refinance company that you are now refinancing with, make sure you click on their advertising link via our website (ddsrefi.com), double check with the loan refinance company before the loan closes that “Dental Debt Solutions” is getting credit for your loan refinance referral, then you are eligible for another cashback bonus.

Do we give financial advice, tax advice, or student loan planning advice?

No. That’s not our forte. We simply give you the largest cashback bonuses, exclusive promotional goods, and direct connections to the most innovative and forward thinking companies inside and out of dentistry!  Aside from our platform, we also drill, fill, and move teeth!

Does checking my interest rate with multiple lenders/refinance companies affect my credit score?

No. All of the student loan refinance company affiliates on our website do what’s called a “soft credit pull” and it DOES NOT affect or lower your credit score. We encourage you to check your interest rate with all of the refinance companies on our website to make sure you do not miss out on the lowest rate.  

If I refinance my student loans with a private lender, do I lose the all future ability to use government programs such as the Public Student Loan Forgiveness, IBR, otherwise know as Income-based repayment program, Pay As You Earn (PAYE) or Revised Pay As You Earn (REPAYE)?

Yes.  You lose all future ability to use these government programs in the future.  

Can I contact you with any questions?

YES! Feel free to email or message us with any questions. We are happy to help in any way we can!

Refinance Company Disclosures and Promotional Goods Disclosures
1) Discounted and promotional goods and services worth up to $67,000 comes from our consumer goods partner companies and the details of the promotions can be found by clicking here
2) Laurel Road: Refinancing with Laurel Road by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. Laurel Road disclosures
3) Splash Financial: Refinancing with Splash Financial by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Variable rates may increase after consummation. Rates include 0.25% auto-pay interest rate reduction. Please see the tier payout structure here. Splash Financial disclosures
4) Commonbond: Refinancing with Commonbond by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. Commonbond disclosures
5) Credible: Refinancing with Credible by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Variable rates may increase after consummation. Please see the tier payout structure here. Credible disclosures
6) Earnest: Refinancing with Earnest by clicking through our site, you are eligible for up to $2,200 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. Earnest disclosures
7) ISL Education Lending: Refinancing with ISL Education Lending by clicking through our site, you are eligible for up to $1,800 in a cashback bonus. The first $500 of the cashback bonus is paid directly from ISL Education Lending and the remaining balance is paid by Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Please see the tier payout structure here. ISL Education Lending disclosures
8) College Ave:  Refinancing with College Ave by clicking through our site, you are eligible for up to $1,600 in a cashback bonus which is all directly paid from Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. College Ave disclosures
9) LendKey: Refinancing with LendKey by clicking through our site, you are eligible for up to $1,600 in a cashback bonus. The first $200-$750 of the cashback bonus is paid directly from LendKey and the remaining balance is paid by Dental Debt Solutions LLC. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation. Please see the tier payout structure here. LendKey disclosures
10) SoFi: Cashback and promotional goods are ONLY eligible if SoFi is chosen as the lender inside of (through the company websites of) Credible or Splash Financial websites after clicking their links from our website. Please email us at help@ddsrefi.com with any questions. SoFi is one of many banks competing for your business within the websites of Splash Financial and Credible and may not be the lowest rate in their respective marketplaces. Rates include 0.25% auto-pay interest rate reduction. Variable rates may increase after consummation.