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Are You a Chiller, a Sculptor or a Blowtorch? Learn Your Debt Payer Persona.

Your financial future is not yet certain. But it helps to plan ahead.

What it means to be a Blowtorch, a Sculptor or a Chiller.



You have big plans professionally and personally that require a solid financial foundation: buying a home, owning a dental practice, traveling, paying for children's education, etc. You want to quickly get to the point where more of your income goes toward things you want and need instead of endless loan payments.


You're focused on establishing yourself as a dentist, growing professionally and setting yourself up for a financially secure future. You have routines in your personal life that you don't want to upend for the sake of faster debt repayment. You're fine with paying the minimum scheduled amounts, at least for the first few years.


An opportunity to wipe out a significant portion of your dental school loans in return for public service is tempting — maybe even irresistible.


Budgeting wisely.

Consider living with your parents or roommates or in a less expensive area. Keep driving your current car or buy a used one. Don't eat out at restaurants too often, go on expensive trips or invest in the newest cryptocurrency. Or, if you do want a lifestyle that's flashier, make sure you're earning enough to afford those expenses while making higher-than minimum loan payments.

Focus on other priorities first.

That block of ice stays cold as it melts on schedule. You're fine with just chilling for now. You have enough on your mind with getting a job, deciding where you'll live and trying to enjoy life after dental school.

Take advantage of a government debt relief program.

Sculpt that ice block of debt into a more manageable shape and size by choosing to practice dentistry in a "health professional shortage area" (HPSA) or in the military. With a few years of service, you can eliminate tens of thousands of dollars in debt.

We're here to make your life easier

Your financial picture can be complicated, whether it's paying your debt or safeguarding your earnings with the right insurance plan. At ADA Members Insurance Plans, offered by Protective, we help dental students and practicing dentists protect their lifestyles and businesses. In fact, that's all we do. If you are interested in learning more about the ADA Members Insurance Plans that offers a variety of personal and business financial protection products, please call us at 866.607.5338 or email our plan specialists at ADAPlanSpecialist@protective.com