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How long will it take to pay for student loans with the salary of a dental hygienist?

Long story short, I am currently pursuing dental hygiene in a very expensive private university because the state I live in does not offer many options for me to pursue this degree. One school has a lot of pre-requisites that I did not take when I first went to college and the other has a five-year program for an associate's degree instead of a two year one. I already used up all the financial aid I can get from my previous degree in but I really want to work in dental. I know that dental hygiene makes decent income, how will it take to pay 90k of student loans with a dental hygienist's salary? #dental-hygienist #dental #studentloans

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Thomas’s Answer

(I'm not in dentistry, but my daughter is a hygienist). As Ms. Gordon-Fulse mentions, if you budget carefully, you should be able to repay the loans in a few years. My understanding is that hygienists in NY can expect to earn more than $45 an hour, so that a full-time gig gets you over $90,000 per year. Assuming you're very careful with your spending and saving, it's feasible to get out from under that debt before too long.
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Naomi’s Answer

How much student loan debt would you incur for the Dental Hygienist program? The average 4 year program is $36K. The average salary is $72,000. If you live on a budget you should be able to pay off they student loans in a year or two. You would have to be very intentional to do this though. I had student loans and took a long to pay for it, in hindsight I could have paid it off quickly.

Naomi recommends the following next steps:

Create a budget and set goals to pay off the student loans. Get a few jobs so that you don't need to incur the debt.
Thank you comment icon Thank you for the detailed post Joshi Chirayil
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Darcel’s Answer

From the information I got from the internet it will take approximately 10-11 years with an 8 percent increase rate.

Check out this website very helpful! How Long to Payoff $100,000 in Debt? - Budget Worksheets
https://www.budgetworksheets.org/debt-payoff/debt.php?amount=100,000
Pay Debt of $100k. How long will it take to pay a 100 thousand dollar loan? This calculator shows how long it will take to payoff $100,000 in debt. It can be used for any loan, credit card debt, student debt, personal, business, car, house, etc... Many times, combining multiple high-interest loans into one low interest loan …

Copied from the internet great article please read your options.
Here’s How To Pay Off $100,000 Of Student Loans
https://www.forbes.com/.../pay-off-student-loan-debt
Author: Zack Friedman
Refinance Student Loans. Student loan refinancing rates are incredibly cheap right now and start at …
Apply to refinance student loans with a cosigner. If you don’t have good credit or stable monthly …
Apply for student loan forgiveness. There are many types of student loan forgiveness programs, …
Consider an income-driven repayment plan. For federal student loans, consider an income-driven …
See full list on forbes.com
Agencies that may or may not help you get your first hygienist job:

On Call/Temp Dental Hygienist
HENRY The Dentist
New York, NY · Temporary
Posted 5 days ago
$63K-99K
est. annual salary

Dental Hygienist
Staffing the Universe
New York, NY · Full-time
NEW
Posted Today
$79K-103K
est. annual salary

Dental Hygienist
Dental365
New York, NY · Full-time
Posted 4 days ago
$67K-91K
est. annual salary

Dental Hygienist
United Staffing
New York, NY · Full-time
Posted 8 days ago

Darcel recommends the following next steps:

Start looking for full-time hygienist employment a year or semester before you graduate to get a good understanding of how to apply
Create a budget NOW with all your expenses to be able to live within you means while paying off you loan. Live a modest life style
Investigate now the NYS Dental Hygienist licensing. I hope you school has free prep courses or practice exams.
Focus on paying off your student loan before purchasing a new car or any high end item.
Your student loan is apart of your credit history. Don't miss payments or default. Good luck you've made a good investment.
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