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4 Tips for Getting a Loan for Dental Work

4 Tips for Getting a Loan for Dental Work

Unfortunately, dental work can be quite expensive, and if you don’t have dental insurance or your insurance doesn’t cover your procedure, you can be put in a pretty difficult situation. And if you’re in pain, you might not have a lot of time to wait to figure out where you’re going to get the money. Thankfully, there are a few techniques to make paying for these expensive procedures a little easier. If you’re considering take out a loan to pay for your dental work, save your wallet and make use of these tips.

Look at Your Budget and Make Sure You Can’t Afford It

Before you apply for a loan, it’s worth checking to see if you’re absolutely sure you can’t afford it otherwise. You may have already gone through all your checkbooks and tallied up all your budgets, but if you haven’t done this yet, it’s worth seeing if there’s anywhere you can tighten your pocketbook.

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If you can, categorize your expenses into wants and needs. Using a budgeting tool such as Mint or You Need a Budget can be helpful if you feel overwhelmed going through your expenses by yourself. Then, it’s as simple as eliminating the non-necessities from your budget. For instance, could you cut out all your entertainment costs for the month to help pay for your dental care? Even if you aren’t able to cover the entire cost of the procedure, you can at least limit the amount of money you need to borrow.

Check if Your Clinic Offers Repayment Plans

Your dental clinic might not expect you to pay the entire lump sum for your procedure right out of pocket. You should check with your dentist to see if there might be a repayment plan that would make paying for your procedure a lot easier. In addition, many dental practices accept government-based aid programs such as Medicaid or the Children’s Health Insurance Program; if you haven’t looked into these programs already, see if you are eligible. It’s worth noting that a repayment plan set up through your clinic probably won’t be reported to a credit union, so while you should make every effort to pay on time each month, you might get a little more leeway than financing through a loan or credit card.

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Even if you are eligible for aid and you’re able to work out a repayment plan with your dental clinic, there might still be some expenses that aren’t covered. While you might need to take out a loan to cover the rest of the costs, at least they will be made a little manageable when spaced out on a monthly basis. In addition, if you share your financial limitations with your clinic, they may be able to suggest lower-cost procedures or prescribe you less expensive medications. In cases such as these, every penny counts, and getting put on a cheaper prescription will help in the long run.

Finance With Your Credit Card or Dental Financing

If you have a credit card, you might be able to get away with putting your dental procedure on the card. Keep in mind that every credit card is different, so you should check your card’s terms and conditions to make sure this is possible, and if so, what the repayment stipulations are. In many cases, credit card companies will offer a 0% APR for the first year or so after signing up for a new card. As long as you’re able to pay off the balance within this time frame, you won’t have to worry about interest, but once you do slip out of this period, you can expect interest rates as high as 20% – or worse.

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If you don’t plan on using a credit card outside of financing your dental work, or you don’t want to get a credit card regardless, there are similar financing options that cater to helping patients pay for their health care. CareCredit is one such financing service, and they offer multiple repayment plans over different time frames. Of course, there are other similar financing service options out there, but if you’re having trouble finding the right one for your needs, talk with your clinic to see if they have partnered with any of these services.

Apply for a Payday Loan

If money is tight and you’re out of time, you can usually turn to a payday loan company for help. Nowadays, you don’t even need to leave your home to get one, as there are many online payday loans you can apply for. The appeal of this option is that it can be one of the quickest ways to get a loan with the fewest hoops you must jump through. Oftentimes, these companies require you to be over the age of 18 and working at a job earning at least $1000 every month. Once you can prove that, you’ll be in the clear for a loan.

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Many payday loans require no credit checks, meaning that you can rest assured that you’ll be able to pay off your expenses no matter where you are financially. Remember, though, that if you can’t afford to pay back the loan, you’ll rack up huge bills of interest and your credit score will be damaged. That said, if you’re confident that you’ll be able to afford the repayments of a payday loan, it might be the option for you. When it comes to health, you don’t want to leave things any later than need be.

Featured photo credit: 6 Ways to Make Sure You Get the Loan You Need via lifehack.org

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Last Updated on July 4, 2019

25 Killer Sites For Free Online Education

25 Killer Sites For Free Online Education

Whether you’re five or ninety five, the internet has a lot to offer. Particularly when the topic is education, the resources on the internet are endless.

Best of all, many high quality sites are completely free. From history to coding, excellent free online education awaits on the following 25 sites.

1. Coursera

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    Coursera is a website that partners with universities and organizations around the world. This brings a wide variety of topics and perspectives to one searchable database.

    Coursera is a powerful tool for free online education, and includes courses from many top universities, museums and trusts. This gives the site an extremely wide range of in-depth courses.

    Coursera is extremely useful if you’re looking to study many different topics, or want courses from different schools and groups.

    2. Khan Academy

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      Partnering with many post secondary schools, Khan Academy offers a useable, well organized interface. Also curating many courses from around the web, Khan Academy offers impressive depth on many different subjects.

      Among the more well known educational sites, Khan Academy is also incredibly useable, which may make it easier to keep learning goals.

      3. Open Culture Online Courses

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        If you are struggling to find exactly the material you are looking for, try Open Culture’s listing of free online education courses. The page highlights 1000 lectures, videos and podcasts from universities around the world. The site features a lot of material found only on universities private sites, all in easy to browse categories. This means you can find hundreds of university courses, without having to visit and search each university’s own site.

        Open Culture’s list features courses from England, Australia, Wales and many state universities around the United States. A very helpful resource for finding many courses in one area of study.

        4. Udemy 

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          Udemy’s free courses are similar in concept to Coursera’s but additionally allows users to build custom courses from lessons.

          Working with many top professors and schools, the site mixes the customizable platform of other sites with a heavy emphasis on top quality content. This is another site however, that mixes free and paid content.

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          5. Academic Earth

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            Another site with courses from many different schools is Academic Earth. Much like the three sites above, Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects.

            Academic Earth lists courses by subject and school, so it might be easier to find what you’re looking for.

            6. edX

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              Another great option for free online education is edX. Also bringing together courses from many different schools, the site has impressive, quality information for everyone. edX covers a great range of topics.

              7. Alison

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                Unlike the previous sites on this lists, Alison is a free education site offering certification in some areas. Alison offers courses mainly in business, technology, and health, but also includes language learning courses.

                It’s a great option if users need certification for their learning as Alison also offers school curriculum courses.

                8. iTunesU Free Courses

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                  A very convenient place for free online education is iTunesU, because it integrates seamlessly with your iPod, or any app-ready Apple mobile device. On iPad, iPhone, or iPod touch, users download the iTunesU app.

                  Desktop users can access  iTunesU on the upper right hand corner of the iTunes Store. iTunesU is also convenient because the store is categorized much like iTunes.

                  Users can search learning materials in many different ways, including genre and topic. However, courses are often a mix of free podcasts or videos, and paid content.

                  ITunesU does include courses on a pretty wide scope of topics, but does not integrate with Android, Google or Windows mobile devices.

                  9. Stanford Online

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                    Your hub for all the online offerings from Stanford University, Stanford Online offers self-paced and session based courses. While Coursera features some courses from Stanford, many classes are only available via other hosts. Some courses require iTunes, but most are completed in your web browser.

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                    Stanford Online is a great site for high quality courses, though the topics are somewhat limited compared to sites partnered with more than one school.

                    10. Harvard Extension

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                      Like Stanford Online, Harvard Extension features free online education courses from Harvard only. This is another excellent source for top notch course material, though the course variety is less rich than multi-school sites.

                      Additionally, Harvard Extension allows you to search for courses by professional certificate. This makes it much easier if your online education goal includes certification.

                      11. Open Yale Courses

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                        Open Yale Courses echoes Harvard Extension and Stanford Online, in that it offers only courses from Yale. While the site is similarly limited to topics taught at the school, Open Yale Courses offers a lot of videos of actual campus lectures. The availability of videos makes the site a great option if you’re looking for quality courses, but learn better by watching than by reading.

                        12. UC Berkeley Class Central

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                          Much like the other schools on this list, UC Berkeley has a variety of free online education options. The school has slightly fewer courses than the schools above, but includes some supplementary lectures, webcasts and RSS Feeds, making it easy to keep up with the topics you choose.

                          13. MIT OpenCourseWare

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                            Similarly, MIT offers a variety of free courses. The school has a comparable number of courses to the schools above, plus includes very in-depth course materials on the subjects available. MIT also offers free RSS feeds, a convenient way to continue learning.

                            14. Carnegie Mellon Open Learning Initiative

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                              Carnegie Mellon’s free online education site is comparable with the other school’s on this list, however, Open Learning Initiative also covers a smaller range of topics. But for the topics that are covered impressive, in-depth material is available.

                              15. Codecademy

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                                Codecademy is a website dedicated specifically to teaching coding. Where other coding sites follow an example/practice session workflow, Codecademy includes a live practice window. This means you can practice coding while still viewing the lesson material.

                                The courses at Codecademy are well written and easy to follow and the website is organized very nicely. Codecademy features a centralized dashboard where you can monitor your progress, plus organizes lessons into complete modules. This lets you learn an entire language without needing to pick the next course manually.

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                                16. Code

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                                  Code is another website focused on coding and app writing. A site with high quality courses, Code also features learning options for kids.

                                  In addition to kid friendly courses, Code offers free online education classes on a wide variety of technology topics. These classes include app writing, robotics and Javascript.

                                  Most of the courses are also geared in a such a way that they can be useful in a classroom setting. This makes Code a great resource for harder to find coding topics, as well as various learning settings.

                                  17. University of London Podcasts

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                                    The podcast page on the University of London website is another great source for free education. While the courses are limited to podcasts, the site features podcasts from it’s own campus, as well as eleven universities in and around London. This gives learners a wide base of topics and lectures, but still ensures in-depth material.

                                    18. University of Oxford Podcasts

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                                      Similar to the University of London, the University of Oxford features many different podcasts. Most are public lecture series or lectures from visiting professors, with several different recordings available.

                                      The advantage to this particular site is that podcasts are organized into series, making it easy to subscribe to multiple lectures on one topic. Another good site for thoroughly in-depth lectures.

                                      19. BBC Podcasts

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                                        For the more casual learner, the BBC offers a wide variety of podcasts on many different topics. Most podcasts are updated weekly, and focus on everything from finance, to sports, to current events.

                                        Through the World Service line of podcasts, there are also many in different languages. The focus of these podcasts are less in-depth and theory based, which may be more accessible to the average person.

                                        20. TED-Ed

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                                          Another great destination for more general learning is TED-Ed. From the same people that brought you the all encompassing, motivational web series, comes a site chocked full of educational videos. Most include impressive animation, and all are ten minutes long or less.

                                          Not only is TED-Ed an excellent site for the curious, it also includes supplemental materials and quizzes on the videos. This makes the site extremely useful in formal education settings, as well as in entertaining ways to brush up on new discoveries and topics.

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                                          21. LessonPaths

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                                            LessonPaths is another great tool for those looking for a more usable and convenient way to access learning material. On this site, users create link playlists of their favorite learning materials from other sites. Users then rank these collections, making it easy to find many different high quality, accessible sources on a given topic.

                                            22. Memrise

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                                              Another impressive free online education site offering ease of use and convenience is Memrise. Available both on desktop and as an app, Memrise is a particularly powerful tool if you are studying a language. The site encompasses many other topics as well, though some of the course material is user generated content.

                                              Part of what makes Memrise special is their integration of games into the learning materials, mixing learning with entertainment.

                                              23. National Geographic Kids

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                                                The kids site for National Geographic is another site that makes free online education applicable for younger users. For those looking for kid friendly education, a large variety of games, puzzles, videos and photos keeps kids interested on this site.

                                                National Geographic Kids doesn’t organize learning into courses, making materials available by topic and medium instead. This makes National Geographic Kids a good option for those looking for a more casual learning environment.

                                                24. Fun Brain

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                                                  Fun Brain is another good option for kids who want to learn online, but focuses on games and fun puzzles. Particularly focused on math and reading, Fun Brain’s game based approach can be valuable if the child in question struggles to pay attention.

                                                  Fun Brain offers rewards and challenges as well, and is another site aimed at a casual learning experience for kids K-8.

                                                  25. Whyville

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                                                    Similar to the sites for kids free online education is Whyville a destination for preteen online learning. The site includes a variety of social features, with a focus on learning materials geared for young teens.

                                                    Whyville also mixes in educational games, to make the site a well rounded option for kids too old for simple games, but too young for heavy reading based material.

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                                                    Featured photo credit: Dai KE via unsplash.com

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