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Maine Dental Education Loan Forgiveness

Maine Dental Education Loan recipients may be eligible for loan forgiveness.

Who is eligible for Forgiveness?

Dentists who practice primary dental care in an eligible dental care facility in an underserved area (as determined by the commissioner of the Maine Department of Health and Human Services) may be forgiven 25% of their original outstanding indebtedness on an annual basis.

To be an eligible dental facility, the facility must offer:

  • Primary dental care and provide notice that it:
    • Accepts patients regardless of ability to pay through insurance or other payment source
    • Accepts MaineCare
    • Accepts payment based on a sliding fee scale from patients with family income up to 200% of poverty level
    • Does not limit service to patients based on payment source

How do I apply for forgiveness?

Contact FAME as soon as you find employment. We will determine loan forgiveness eligibility.

Recipients must provide documentation that they have practiced primary dental care in an eligible dental care facility in an underserved area. Loan recipients may receive partial loan forgiveness on a pro-rata basis if they fulfill all the criteria but maintain the appropriate practice for less than a year.

What if I am not eligible for forgiveness and I have to repay my loan?

Repayment must be completed according to the terms specified in your promissory note. Loan repayment will begin six months following the month you complete your professional education or withdraw. Interest is calculated based on the rate disclosed in your promissory note.

This program is governed by Maine law as set forth in 20-A M.R.S.A. ยง 12301 et seq. and Chapter 612 of the Rules of the Finance Authority of Maine.