How Much Does Dental Assistant School Cost

How Much Does Dental Assistant School Cost?

For many people, one of the biggest obstacles to advancing their education can be tuition. And even though enrolling in a vocational school (such as a dental assisting certification program) can often provide a career-building education at a comparatively low price tag, making that initial investment can still be daunting. So, how much does dental assistant school cost, and what are some options for how to pay for it? Below, we have a breakdown of paying for your training.

Dental assistant school cost

While the cost of an associate’s degree in dental assisting typically ranges from $6,000–30,000, a dental assistant diploma or certification only costs on average between $3,000–15,000 and can be found at many technical schools and community colleges. For both of these programs, however, you’ll also want to consider additional costs that may be required, such as:

  • Registration fees
  • Certification exam fees
  • Lab fees
  • Books and supplies

Whether you attend a degree program or a diploma program will also affect how much time you’ll ultimately invest. For example, an associate’s degree takes two years to complete — on the other hand, a certificate program takes considerably less at less than 12 months. Length can also be impacted by other factors such as whether you’re in a full-time or part-time program, and whether you’re pursuing any additional specializations.

While it takes 2 years to get an associate's degree,

a diploma program typically takes less than 12 months!

How can I pay for dental assistant training?

Upfront, in full

If you have enough money saved up to cover your program’s tuition, any necessary supplies, and living expenses such as rent and groceries, paying out of pocket could be your best option. While this method does require the highest upfront cost, you won’t owe any money in interest, there’s no credit check, and you won’t have to worry about remembering to make monthly payments. Since dental assistant programs can cost up to $15,000 for a certification and $30,000 for a degree, look around to see if there are any scholarships or grants available that can help ease the tuition amount!

Government grants

You may also want to look into programs, such as the Workforce Innovation and Opportunity Act (WIOA), that are sponsored by the government to provide grants and scholarships for technical schools. With these, you may be able to cover the partial or full tuition amount for your dental assistant course! To find out if these are available for your program, you’ll need to contact your school directly.

Interest-free recurring payments

For those who are unable to pay the full tuition cost upfront and aren’t using a scholarship or grant, some schools also may offer payment plan, or tuition-free recurring payment, options. This allows students to make several smaller payments over the duration of the program, in order to lessen the upfront cost. It includes no credit check and no interest — so you’ll ultimately pay less than you would with a loan. However, payments are spread over a much shorter period of time than other financing options such as loans. So although you’ll pay less overall, your monthly payments will be higher.

Student loans

A student loan can be a good choice for students who need to make the smallest monthly payments, rather than larger payments or all upfront. While not all dental assistant schools offer federal student loans, private student loans might still be available. Depending on the loan terms available for your program, you may have the option of full deferral, interest-only deferral, or immediate full repayment.

Climb partners with several dental assistant programs for financing, and we only perform a hard credit pull once a loan is funded. So, you can submit an application to check out our options with no impact to your credit score!

There are some things you’ll want to keep in mind, though. Most loans come with an interest rate, which means you’ll ultimately end up paying more than the original tuition amount. And since your credit report will be pulled, your credit score may be impacted. At the end of the day, you’ll need to consider what works best for your situation — smaller monthly payments while paying more overall, or higher monthly payments while paying less overall.

An associate's degree can cost $6,000–30,000,

And a diploma program can cost $3,000–15,000!

Want to know more about paying for your dental assistant school cost through Climb?

Dental Assistant School Cost

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What to Expect: Realistic Outcomes

Climb’s Comprehensive Access Solution can offer a strategic balance of increased enrollments and upfront cashflows compared to traditional lenders. While no financing solution guarantees 100% collection, our data-driven approach maximizes both upfront cash and long-term repayment rates.

Typical Partner Results:

  • 15-30% of students qualify for Climb Loans with upfront tuition delivered to the school shortly after course start
  • 45-60% of students qualify for 0% APR* payment plans
  • Enrollment increases of 20%+ reported by partner schools**

**Results vary by school and student demographics. This represents performance reported by individual school partners and should not be considered a guarantee of your specific outcomes.

The bottom line: CAS is designed to maximize your net tuition recovery while eliminating the administrative headaches of student financing.

Maximizing Your Results

Pro Tip: Schools that require student deposits and set up automatic payments during enrollment see significantly better repayment performance across all financing options. These simple steps can meaningfully improve your outcomes.

FAQs

We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:

  • Climb Credit Score: Over 150 data points specifically designed for vocational students
  • Debt-to-Income Ratio: Reliable predictor of payment performance
  • FICO Score: Used primarily for interest rate assignment

Key advantages of our approach:

  • Soft credit pull until loan funding (no credit impact during application)
  • The majority of students receive instant decisions
  • Students can apply with co-borrowers directly in the application
  • More accurate placement into appropriate financing products

We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:

  • Climb Credit Score: Over 150 data points specifically designed for vocational students
  • Debt-to-Income Ratio: Reliable predictor of payment performance
  • FICO Score: Used primarily for interest rate assignment

Key advantages of our approach:

  • Soft credit pull until loan funding (no credit impact during application)
  • The majority of students receive instant decisions
  • Students can apply with co-borrowers directly in the application
  • More accurate placement into appropriate financing products

Students are placed into funding brackets (Elite, Standard, Enhanced) based on our AI assessment. Higher-credit students generate higher upfront payments to your school, while students with limited credit are seamlessly directed to our 0% Payment Plan.

These brackets are established using data from over $1 billion in career training loan originations and may be adjusted periodically based on updated repayment trends.

Important note: Regardless of which bracket a student falls into, they are considered fully paid by your school once funded. The student’s repayment obligation exists exclusively between Climb and the student.

Elite Access not available for Computer Science programs. Upfront percentages vary by industry and loan terms.

Once Climb disburses upfront funding for a student loan, that student is considered fully paid by your school. You will not receive any additional payments for that student—the single upfront payment is complete and final.

From that point forward, the student’s repayment obligation exists exclusively between Climb and the student. Your school has zero liability if the student defaults, and you keep the full upfront payment regardless of the student’s future payment performance.

They’re automatically offered our 0% Interest Payment Plan, ensuring no student is turned away while maintaining steady monthly cash flow for your school.

Higher-credit students generate larger upfront payments (75-100% of tuition), while students with limited credit use our 0% APR* Payment Plan for consistent monthly revenue. Both options are risk-free for your school

Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.

Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.

Typically, within 5-10 business days after your partnership agreement is signed.

Comprehensive onboarding webinar, continuous partner support via AI-assisted chat and live email—and real-time borrower assistance with our live-chat-available student success team.

No. Climb fully manages the administrative responsibilities—your team simply monitors your school’s performance via our intuitive School Portal.

Your school is fully protected either way. For Climb Loans, you keep the entire upfront payment with zero liability. For Payment Plans, you only receive what students actually pay, with no risk to your school.