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Monetary pitfalls and traps await unwary residents upon graduation. The path to a financially satisfying personal and professional life is obtainable despite high student loan debt and limited income. Career and personal finance issues, student loan options, tax avoidance, bank lending policies, and practice purchases are reviewed. Career options of public service, salaried employee, per diem employee, and private practice ownership are compared in personal financial outcomes, taxation, and retirement consequences.

Surviving orthodontic graduate debt: Making correct career choices to manage debt re-payment, reduction or forgiveness