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Board of Governors’ Dental Scholarship Loan Program (BGDSL)

The BGDSL Program provided forgivable loans to qualified students accepted for admission to the UNC School of Dentistry or ECU School of Dental Medicine. You must complete loan forgiveness within seven years of graduation from the dental school.

You must repay the loan through loan forgiveness or cash repayment.

Option 1: Loan Forgiveness

Requirements

You must meet the following requirements to qualify for loan forgiveness:

  • Graduate from the UNC School of Dentistry or ECU School of Dental Medicine
  • Obtain licensure from the applicable licensing board
  • Secure qualifying employment in North Carolina

How to Apply for Loan Forgiveness

  1. Notify NCSEAA of your intent to repay through loan forgiveness within 90 days of graduation from dental school, even though you may not have secured a qualifying position. You may complete this process during the exit interview process on the Student Portal or through Repayment Services at (919) 549- 8614, ext 4654 or (800) 700-1775, ext 4654.
  2. Obtain licensure from the applicable licensing board.
  3. Secure a qualified position. You should contact Repayment Services prior to accepting a position to determine whether the position qualifies for loan forgiveness.
  4. Complete an Application for Proposed Practice Location form and return it to NCSEAA for approval.

For additional information, see Frequently Asked Questions about Loan Forgiveness.

Option 2: Repay the Loan in Cash

If you cannot repay the loan through loan forgiveness, then you must repay it in cash within 20 years of graduation, completion, or withdrawal from the BGDSL program. You may repay the loan in one lump sum or monthly installment payments.

For additional information and instructions on how to repay in cash, visit Frequently Asked Questions: BGDSL Cash Repayment.

Deferment

A deferment is a period in which loan forgiveness or cash repayment of a loan is postponed or delayed. Although payments are not due during a deferment period, interest at the rate of ten percent will continue to accrue on the outstanding principal balance of your BGDSL loan. To apply, submit a Postponement/Deferment Form to NCSEAA for approval.

For additional information visit Frequently Asked Questions: BGDSL Deferment.


Tip

Q: How long do I have to repay my BGDSL loan obligation through loan forgiveness?

A: You must complete loan forgiveness within seven years of graduation from the dental school.