News for members of the American Student Dental Association
June 2014
6 simple ways... to manage your finances

According to the American Dental Education Association, the average dental student graduates with upwards of $241,000 of student loan debt, an increase of more than 66% in the last decade. Here are some tips to help manage your finances while in dental school.

  1. Know how much debt you're in. Most student loans are backed by the government and will be detailed in the National Student Loan Data System (NSLDS), the U.S. Department of Education's central database for student aid. It receives data from schools, agencies that guarantee loans, the Direct Loan program and other U.S. Department of Education programs. You can access your loan information by logging on to the NSLDS website and choose "Financial Aid Review."
  2. Consider working with a financial advisor. During and after the term of your loan repayment, you'll have to make difficult financial decisions, which could result in the difference of thousands of dollars. Most dental students do not get an extensive education in managing finances so turning to an expert to make important decisions can save you money in the long run.
  3. Limit your spending. Stick to a budget while in dental school to make it easier to manage your debt upon graduation. Websites like or can help you stay on track.
  4. Build an emergency fund. Make a list of your regular monthly expenses (rent, food, debt repayment, etc.). Then, decide how many months you want to have "saved" as a backup. Ex: If you need to cover $2,500 in monthly expenses for three months, set aside $7,500 in your emergency fund.
  5. Apply for scholarships or grants. ASDA lists individual scholarship programs and grants online. You can also visit ASDA's website for details about national scholarships that require some form of repayment through a specified form of service.
  6. Download ASDA's Debt 101 Guide. The 2013-14 Council on Membership created this resource to help students expand their knowledge about debt, recognize their options and prepare them to make smart financial decisions for their future. Sections include budgeting, repayment options, financial aid and more.
Member and faculty spotlight 
Meet this month's student and faculty member to learn their unique hobbies, reasons for pursuing dentistry and more. Click here for their full profiles.

Jenna Weldon Pascoli

Personal possession you can't live without: My mouth guard to combat all of my dental school stress-induced bruxing!

Dr. Laurie McCauley          

Professor and Dean, University of Michigan School of Dentistry


Words of wisdom: Focus on excellence and leadership in all you do, be inclusive, and treat others with compassion.

Apply for the Ryan Turner Scholarship by July 1    

Ryan Turner was a fourth year dental student and a former board member when he passed away suddenly in 2007. ASDA remembers Ryan and his dedication to organized dentistry through an annual memorial scholarship in his honor. The recipient will receive $2,500, along with travel expenses to accept the award at the 2014 National Leadership Conference, Oct. 31-Nov. 2 in Chicago. The recipient's chapter will also receive $500. Applications are due to ASDA central office by July 1. Read more here

National Leadership Conference registration open

Register for ASDA's National Leadership Conference by Aug. 25 and save $25. Predoctoral members can register through group registration with their chapter or individually. Predental members can choose to attend the entire meeting or select a daily package. Educational tracks include:

  • ASDA & Organized Dentistry
  • Career Planning & Business Leadership
  • Advocacy, Politics & Professional Issues
  • Chapter Leadership & Management

Login to the chapter portal on to register. Contact Erin Kato for your login.

Licensure map spotlights alum

The Advocacy Brief e-newsletter spotlights recent graduates who have navigated their way through the licensure process. They share their experience and tips to guide future colleagues. Visit the licensure by state webpage to learn what is required to practice anywhere in the US. 

SNDA scholarship submissions due June 30 

The Student National Dental Association (SNDA) is offering two $500 scholarships to commemorate the life of past SNDA leader, Dr. Darryl A. Hawkins. All materials can be electronically submitted for consideration.  

Student ethics video contest deadline July 31

The ADA Council on Ethics, Bylaws and Judicial Affairs is accepting entries for the 2014 Student Ethics Video Contest. View the 2013 grand prize winner "Implanting Greed" from Houston and honorable mention "Gray Areas" from North Carolina.

Benefit of the month: DAT prep resources   


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Upcoming Events
Oct. 31-Nov. 2, 2014
National Leadership Conference
Chicago, Ill.
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Quote of the Month

"There is no exercise better for the heart than reaching down and lifting people up."

-John Holmes  



Erin Kato, member relations specialist | 312-440-2640
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