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[null,"Before proceeding, if you see a security warning box at the top, click the \"Enable Editing\" button and then the \"Enable Content\" button in order for the spreadsheet to work properly."]
[]
[null,"Section 1","Dental School & HPSP Scholarship Information"]
[]
[null,null,"School Information",null,null,"Civilian Route Scenario for Comparison",null,null," Military Route Scenario for Comparison"]
[null,null,"Graduation Year","Dental Program Length (yrs)","First Year Cost of Attendance","1 Year Civilian AEGD or GPR?","Civ Residency Stipend (per yr)","Total Yrs as Civilian Dentist Not Counting Residency","HPSP Scholarship Length (yrs)","1 Year Military           AEGD or GPR?","Total Years in Military"]
[null,null,2025,4,70000,"N",40000,{"$f":"K11-IF(F11=\"Y\",1,0)","v":4},4,"N",{"$f":"IF(I11=2,3,I11)+IF(J11=\"Y\",1,0)","v":4}]
[null,null,null,{"$f":"IF(I11>D11,\"Uh oh, make sure your scholarship length doesn't exceed your program length.\",\"\")","v":""}]
[]
[]
[null,"Section 2","Federal Loan Information"]
[]
[null,null,"Average # Days per Month","Cost of Attendance Annual Inflation","12-Month Direct Loan Limit","9-Month Direct Loan Limit","Direct Loan Aggregate Limit","Direct Loan Interest Rate","Direct PLUS Loan Interest Rate","Refinance upon Graduation?","Refinanced Interest Rate"]
[null,null,{"$f":"AVERAGE(31,28,31,30,31,30,31,31,30,31,30,31)","v":30.416666666666668},0.04,47167,45000,224000,4.2999999999999997E-2,5.2999999999999999E-2,"Y",0.03]
[]
[]
[]
[null,"Section 3","Cost to Fund Dental School Through Federal Loans"]
[]
[null,null,"Year","Cost of Attendance","Direct Loan","Direct PLUS Loan","Total + Interest After Year 1","Total + Interest After Year 2","Total + Interest After Year 3","Total + Interest After Year 4","TOTAL DEBT AT GRADUATION"]
[null,null,1,{"$f":"E11","v":70000},{"$f":"IF(D25>IF(D11=4,F18,$E$18),IF(D11=4,F18,$E$18),D25)","v":45000},{"$f":"D25-E25","v":25000},{"$f":"$E25+$F25+IF($D$11=3,E25/4*2.5*DLint,E25/3*1.5*DLint)+IF($D$11=3,F25/4*2.5*PLUSint,F25/3*1.5*PLUSint)","v":71630},{"$f":"G25+$E25*DLint+$F25*PLUSint","v":74890},{"$f":"H25+$E25*DLint+$F25*PLUSint","v":78150},{"$f":"IF($D$11=4,I25+$E25*DLint+$F25*PLUSint,0)","v":81410},{"$f":"IF(D11=4,SUM(J25:J28),SUM(I25:I27))","v":325620.36314999999}]
[null,null,2,{"$f":"D25*(1+Inf)","v":72800},{"$f":"IF(D26>$E$18,$E$18,D26)","v":47167},{"$f":"D26-E26","v":25633},null,{"$f":"$E26+$F26+E26/4*2.5*DLint+F26/4*2.5*PLUSint","v":74916.706250000003},{"$f":"H26+$E26*DLint+$F26*PLUSint","v":78303.436249999999},{"$f":"IF($D$11=4,I26+$E26*DLint+$F26*PLUSint,0)","v":81690.166249999995},"Total Cost of Attendance Before Interest"]
[null,null,3,{"$f":"D26*(1+Inf)","v":75712},{"$f":"IF(D27>$E$18,$E$18,D27)","v":47167},{"$f":"D27-E27","v":28545},null,null,{"$f":"$E27+$F27+E27/4*2.5*DLint+F27/4*2.5*PLUSint","v":77925.166250000009},{"$f":"IF($D$11=4,I27+$E27*DLint+$F27*PLUSint,0)","v":81466.232250000001}]
[null,null,4,{"$f":"IF(D11=4,D27*(1+Inf),0)","v":78740.479999999996},{"$f":"IF(D28>$E$18,IF(SUM(E25:E27)<G18,$E$18,D28),D28)","v":47167},{"$f":"D28-E28","v":31573.479999999996},null,null,null,{"$f":"$E28+$F28+E28/4*2.5*DLint+F28/4*2.5*PLUSint","v":81053.964649999994},{"$f":"SUM(D25:D28)","v":297252.47999999998}]
[]
[null,null,{"$f":"_xlfn.CONCAT(\"Assumption: Begin Loan Repayment After \",IF(F11=\"Y\",\"Civilian AEGD Residency\",\"Dental School\"),\", Finish Repayment in \",H11,\" Years (Total of \",K11,\" Years After Graduating from Dental School)\" )","v":"Assumption: Begin Loan Repayment After Dental School, Finish Repayment in 4 Years (Total of 4 Years After Graduating from Dental School)"}]
[]
[null,null,null,"Y1 Principle + Capitalized Int","Y2 Principle + Capitalized Int","Y3 Principle + Capitalized Int","Y4 Principle + Capitalized Int","Total Loan Amount for Repayment","Average Monthly Loan Payment","Sum of Monthly Loan Payments","FINAL AMOUNT PAID"]
[null,null,"Direct Loans",{"$f":"E25*(1+DLint*($D$11-$C25+IF(F11=\"Y\",1,0)))+IF($D$11=3,E25/4*2.5*DLint,E25/3*1.5*DLint)","v":51772.5},{"$f":"$E26*(1+DLint*(D11-C26+IF(F11=\"Y\",1,0)))+E26/4*2.5*DLint","v":52490.975124999997},{"$f":"$E27*(1+DLint*(D11-C27+IF(F11=\"Y\",1,0)))+E27/4*2.5*DLint","v":50462.794125},{"$f":"$E28+E28/4*2.5*DLint+(D11-4+IF(F11=\"Y\",1,0))*$E28*DLint","v":48434.613125000003},{"$f":"IF($D$11=4,SUM(D33:G33),SUM(D33:F33))","v":203160.88237500002},{"$f":"PMT(IF($J$18=\"N\",DLint,$K$18)/365,$H$11*365,-H33)*$C$18","v":4491.7210174567908},{"$f":"I33*12*$H$11","v":215602.60883792595},{"$f":"SUM(J32:J34)","v":345561.6010581567}]
[null,null,"PLUS Loans",{"$f":"$F25*(1+PLUSint*(D11-C25+IF(F11=\"Y\",1,0)))+IF($D$11=3,F25/4*2.5*PLUSint,F25/3*1.5*PLUSint)","v":29637.5},{"$f":"$F26*(1+PLUSint*(D11-C26+IF(F11=\"Y\",1,0)))+F26/4*2.5*PLUSint","v":29199.191125000001},{"$f":"$F27*(1+PLUSint*(D11-C27+IF(F11=\"Y\",1,0)))+F27/4*2.5*PLUSint","v":31003.438124999997},{"$f":"$F28*(1+PLUSint*(D11-C28+IF(F11=\"Y\",1,0)))+F28/4*2.5*PLUSint","v":32619.351524999995},{"$f":"IF($D$11=4,SUM(D34:G34),SUM(D34:F34))","v":122459.48077499999},{"$f":"PMT(IF($J$18=\"N\",PLUSint,$K$18)/365,$H$11*365,-H34)*$C$18","v":2707.47900458814},{"$f":"I34*12*$H$11","v":129958.99222023072},"TOTAL INTEREST PAID"]
[null,null,"TOTAL",{"$f":"SUM(D33:D34)","v":81410},{"$f":"SUM(E33:E34)","v":81690.166249999995},{"$f":"SUM(F33:F34)","v":81466.232250000001},{"$f":"SUM(G33:G34)","v":81053.964649999994},{"$f":"SUM(D35:G35)","v":325620.36314999999},{"$f":"SUM(I33:I34)","v":7199.2000220449308},{"$f":"SUM(J33:J34)","v":345561.6010581567},{"$f":"K33-SUM(D25:D28)","v":48309.121058156714}]
[]
[]
[]
[null,"Section 4","Cost to Fund Dental School Through HPSP Scholarship"]
[]
[null,null,"Year","Cost of Attendance","Additional   Loans Needed","Direct Loan","Direct PLUS Loan","Total + Interest After Year 1","Total + Interest After Year 2","Total + Interest After Year 3","Total + Interest After Year 4"]
[null,null,1,{"$f":"IF(OR(AND($I$11<>4,D11=4),AND($D$11=3,$I$11=2)),COA*(1+Inf)^(C42-1),0)","v":0},0,{"$f":"IF(IF(D42<>0,D42,E42)>IF(D11=3,$E$18,40500),IF(D11=3,$E$18,40500),IF(D42<>0,D42,E42))","v":0},{"$f":"IF(D42<>0,D42,E42)-F42","v":0},{"$f":"$F42+$G42+IF($D$11=3,F42/4*2.5*DLint,F42/3*1.5*DLint)+IF($D$11=3,G42/4*2.5*PLUSint,G42/3*1.5*PLUSint)","v":0},{"$f":"H42+$F42*DLint+$G42*PLUSint","v":0},{"$f":"I42+$F42*DLint+$G42*PLUSint","v":0},{"$f":"IF($D$11=4,J42+$F42*DLint+$G42*PLUSint,0)","v":0}]
[null,null,2,{"$f":"IF(AND($I$11=2,$D$11=4),COA*(1+Inf)^(C43-1),0)","v":0},0,{"$f":"IF(IF(D43<>0,D43,E43)>$E$18,$E$18,IF(D43<>0,D43,E43))","v":0},{"$f":"IF(D43<>0,D43,E43)-F43","v":0},null,{"$f":"$F43+$G43+F43/4*2.5*DLint+G43/4*2.5*PLUSint","v":0},{"$f":"I43+$F43*DLint+$G43*PLUSint","v":0},{"$f":"IF($D$11=4,J43+$F43*DLint+$G43*PLUSint,0)","v":0}]
[null,null,3,0,0,{"$f":"IF(IF(D44<>0,D44,E44)>$E$18,$E$18,IF(D44<>0,D44,E44))","v":0},{"$f":"IF(D44<>0,D44,E44)-F44","v":0},null,null,{"$f":"$F44+$G44+F44/4*2.5*DLint+G44/4*2.5*PLUSint","v":0},{"$f":"IF($D$11=4,J44+$F44*DLint+$G44*PLUSint,0)","v":0}]
[null,null,4,0,0,{"$f":"IF(D11=4,IF(IF(D45<>0,D45,E45)>$E$18,$E$18,IF(D45<>0,D45,E45)),0)","v":0},{"$f":"IF(D11=4,IF(D45<>0,D45,E45)-F45,0)","v":0},null,null,null,{"$f":"$F45+$G45+F45/4*2.5*DLint+G45/4*2.5*PLUSint","v":0}]
[null,null,null,null,{"$f":"IF(OR(AND(E42>0,D42>0),AND(E43>0,D43>0),AND(E44>0,D44>0),AND(E45>0,D45>0)),\"Remember, you cannot take out additional loan once your COA has been met.\",\"\")","v":""},null,null,null,null,null,"TOTAL DEBT AT GRADUATION"]
[null,null,null,null,null,null,null,null,null,null,{"$f":"IF(D11=3,SUM(J42:J44),SUM(K42:K45))","v":0}]
[]
[null,null,{"$f":"_xlfn.CONCAT(\"Assumption: Begin Loan Repayment After Dental School, Finish Repayment in \",K11,\" Years.\")","v":"Assumption: Begin Loan Repayment After Dental School, Finish Repayment in 4 Years."}]
[]
[null,null,null,"Y1 Principle + Capitalized Int","Y2 Principle + Capitalized Int","Y3 Principle + Capitalized Int","Y4 Principle + Capitalized Int","Total Amount for Repayment","Average Monthly Payment","Sum of Monthly Payments","FINAL AMOUNT PAID"]
[null,null,"Direct Loans",{"$f":"F42*(1+DLint*($D$11-$C42))+IF($D$11=3,F42/4*2.5*DLint,F42/3*1.5*DLint)","v":0},{"$f":"F43*(1+DLint*($D$11-$C43))+F43/4*2.5*DLint","v":0},{"$f":"F44*(1+DLint*($D$11-$C44))+F44/4*2.5*DLint","v":0},{"$f":"F45*(1+DLint*($D$11-$C45))+F45/4*2.5*DLint","v":0},{"$f":"IF($D$11=4,SUM(D52:G52),SUM(D52:F52))","v":0},{"$f":"PMT(IF($J$18=\"N\",DLint,$K$18)/365,(K11)*365,-H52)*$C$18","v":0},{"$f":"I52*12*(K11)","v":0},{"$f":"SUM(J51:J53)","v":0}]
[null,null,"PLUS Loans",{"$f":"G42*(1+PLUSint*($D$11-$C42))+IF($D$11=3,G42/4*2.5*PLUSint,G42/3*1.5*PLUSint)","v":0},{"$f":"G43*(1+PLUSint*($D$11-$C43))+G43/4*2.5*PLUSint","v":0},{"$f":"G44*(1+PLUSint*($D$11-$C44))+G44/4*2.5*PLUSint","v":0},{"$f":"G45*(1+PLUSint*($D$11-$C45))+G45/4*2.5*PLUSint","v":0},{"$f":"IF($D$11=4,SUM(D53:G53),SUM(D53:F53))","v":0},{"$f":"PMT(IF($J$18=\"N\",PLUSint,$K$18)/365,(K11)*365,-H53)*$C$18","v":0},{"$f":"I53*12*K11","v":0},"TOTAL INTEREST PAID"]
[null,null,"TOTAL",{"$f":"SUM(D52:D53)","v":0},0,0,0,0,0,0,{"$f":"K52-SUM(F42:G45)","v":0}]
[]
[null,null,"Pay Data Source Year","Signing Bonus","Annual BAH & BAS Allowance","Avg. Annual Pay Increase","Yearly Incentive Pay + Benefits",{"$f":"_xlfn.CONCAT(\"Yearly Base Pay for O3 Paygrade              (Current for \",C57,\")\")","v":"Yearly Base Pay for O3 Paygrade              (Current for 2021)"},null,"Military Payback Year","Projected Gross Income During Military Payback"]
[null,null,2021,20000,{"$f":"2096*12+254.39*12","v":28204.68},0.02,30000,"Year 1 Salary",54176.4,"Residency Year",{"$f":"IF($J$11=\"Y\",($I$57+$E$57)*(1+$F$57)^($C$11-$C$57)+$G$57,0)","v":0}]
[null,null,null,null,null,null,null,"Year 2 Salary",54176.4,"Active Duty Y1",{"$f":"(OFFSET($I$57,COUNTIF($K$57:K57,\"<>0\"),0)+$E$57)*(1+$F$57)^($C$11-$C$57+COUNTIF($K$57:K57,\"<>0\"))+$G$57","v":119171.9303675328}]
[null,null,null,null,null,null,null,"Year 3 Salary",61412.4,"Active Duty Y2",{"$f":"(OFFSET($I$57,COUNTIF($K$57:K58,\"<>0\"),0)+$E$57)*(1+$F$57)^($C$11-$C$57+COUNTIF($K$57:K58,\"<>0\"))+$G$57","v":120955.36897488346}]
[null,null,null,null,null,null,null,"Year 4 Salary",66279.600000000006,"Active Duty Y3",{"$f":"(OFFSET($I$57,COUNTIF($K$57:K59,\"<>0\"),0)+$E$57)*(1+$F$57)^($C$11-$C$57+COUNTIF($K$57:K59,\"<>0\"))+$G$57","v":130923.38762017543}]
[null,null,null,null,null,null,null,"Year 5 Salary",72273.600000000006,"Active Duty Y4",{"$f":"IF(OR($I$11=4,$J$11=4),(OFFSET($I$57,COUNTIF($K$57:K60,\"<>0\"),0)+$E$57)*(1+$F$57)^($C$11-$C$57+COUNTIF($K$57:K60,\"<>0\"))+$G$57,0)","v":138532.73825416149}]
[null,null,null,null,null,null,null,null,null,"TOTAL INCOME",{"$f":"SUM(K57:K61)+D57","v":529583.42521675327}]
[]
[]
[]
[null,"Final Results",{"$f":"_xlfn.CONCAT(K11,\" Year Comparison\")","v":"4 Year Comparison"}]
[null,null,null,null,null,null,null,null,null,"FINAL COMPARISON"]
[null,null,"Expected Civilian                  Annual Gross Income",null,null,"Average Military Annual Expendable Income After Debt Repayments",null,"Average Civilian Annual Expendable    Income After Debt Repayments",null,{"$f":"_xlfn.CONCAT(\"HPSP \",IF(J69<0,\"Disa\",\"A\"),\"dvantage\")","v":"HPSP Disadvantage"}]
[null,null,218828.04319999999,null,null,{"$f":"K62/COUNTIF(K57:K61,\"<>0\")-I54*12","v":132395.85630418832},null,{"$f":"ROUND((C69*H11+G11*IF(F11=\"Y\",1,0)-I35*12*H11)/(H11+IF(F11=\"Y\",1,0)),2)","v":132437.64000000001},null,{"$f":"ROUND(K62-K52-(C69*H11-K33)-G11*IF(F11=\"Y\",1,0),2)","v":-167.15}]
[]
[null,null,"Summary Statements"]
[]
[null,null,218828.04,null,"*Statements may not be accurate. Please update."]
[]
[null,null,{"$f":"_xlfn.CONCAT(\"1. An average annual civilian income of \",TEXT(C69,\"$#,##0.00_);($#,##0.00)\"),\"would allow you to pay off your student loans in \",H11,\" years and have an average annual expendable income of \",TEXT(H69,\"$#,##0.00;($#,##0.00)\"),\". At the end of those \",H11,\" years, you will have earned \",IF(ROUND(J69,2)=0,\"the same as\",_xlfn.CONCAT(\"a total of \",TEXT(J69,\"$#,##0.00;$#,##0.00\"),IF(J69<0,\" more\",\" less\"),\" than\")), \" what you would have earned if you had chosen to be a military dentist. Under this scenario, it would be \",IF(ROUND(J69,2)=0,\"EQUALLY\",IF(ROUND(J69,2)>0,\"MORE\",\"LESS\")),\" advantageous to take the HPSP route from a financial standpoint. If you selected yes for a civilian residency, then this would be the income you would need to earn in the years after your residency is completed until the end of the comparison time frame.\")","v":"1. An average annual civilian income of $218,828.04 would allow you to pay off your student loans in 4 years and have an average annual expendable income of $132,437.64. At the end of those 4 years, you will have earned a total of $167.15 more than what you would have earned if you had chosen to be a military dentist. Under this scenario, it would be LESS advantageous to take the HPSP route from a financial standpoint. If you selected yes for a civilian residency, then this would be the income you would need to earn in the years after your residency is completed until the end of the comparison time frame."}]
[]
[]
[]
[]
[null,null,{"$f":"_xlfn.CONCAT(\"2. In order to pay off your student loans in \",H11,\" years and have the same annual expendable income as a military dentist during that time (\", TEXT(F69,\"$#,##0.00;($#,##0.00)\"), \"), you would need to have an average annual gross income of \",TEXT(C73,\"$#,##0.00_);($#,##0.00)\"),\"per year as a civilian dentist.\")","v":"2. In order to pay off your student loans in 4 years and have the same annual expendable income as a military dentist during that time ($132,395.86), you would need to have an average annual gross income of $218,828.04 per year as a civilian dentist."}]
[]
[]
[null,null,{"$f":"_xlfn.CONCAT(\"3. An average income of LESS than \",TEXT(C73,\"$#,##0.00_);($#,##0.00)\"),\"as a civilian dentist throughout these \",H11,\" years would make the HPSP route more advantageous from a financial standpoint, while an average income MORE than this amount would favor the civilian route.\")","v":"3. An average income of LESS than $218,828.04 as a civilian dentist throughout these 4 years would make the HPSP route more advantageous from a financial standpoint, while an average income MORE than this amount would favor the civilian route."}]
[]
[]
[]
[]
[null,null,"Sources:"]
[null,null,1,"https://www.chronicle.com/interactives/tuition-and-fees"]
[null,null,2,"https://u.osu.edu/dentistryfinaid/federal-loans/"]
[null,null,3,"https://studentaid.ed.gov/sa/types/loans/interest-rates"]
[null,null,4,"https://www.dfas.mil/militarymembers/payentitlements/Pay-Tables/Basic-Pay/CO/"]
[null,null,5,"https://www.dfas.mil/Portals/98/Documents/militarymembers/militarymembers/pay-tables/2021%20MilPay%20General.pdf?ver=MkfmQyc245XzKP414-iRVA%3d%3d"]
[null,null,6,"https://www.federalpay.org/military/raises"]
[null,null,7,"https://www.defensetravel.dod.mil/site/bahCalc.cfm"]
[null,null,8,"https://militarypay.defense.gov/PAY/ALLOWANCES/bas.aspx"]
[null,null,9,"https://militarypay.defense.gov/Pay/Special-and-Incentive-Pays/Index/"]
[null,null,10,"https://forums.studentdoctor.net/threads/what-does-an-hpsp-air-force-dentist-make-annually.1087211/"]
[null,null,11,"https://www.marquette.edu/dentistry/admissions/advanced-education-general-dentistry.php"]
[]
[null,null,"Assumptions:"]
[null,null,1,"Comparison is only valid for general dentists with or without 1 yr residency."]
[null,null,2,"4-year programs get the first summer off. 3-year programs go for 3 years without any quarter breaks."]
[null,null,3,"Direct Loan and Direct PLUS Loan interest rates stay the same for each year of dental school."]
[null,null,4,"The monthly stipend received during dental school is not viewed as income as this is already accounted for when assuming the military student is debt free."]
[null,null,5,"Equal quarterly loan disbursements."]
[null,null,6,"Civilian loan repayment coincides with military commitment completion for comparison purposes."]
[null,null,7,"No loan payments during school or civilian residency."]

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["Federal Loans vs. HPSP Scholarship"]
[null,null,"Estimated Annual Cost of Attendance"]
[null,null,60000,70000,80000,90000,100000,110000,120000,130000,140000]
["Civilian Dentist - Estimated Annual Salary",100000,425358.85,475312.17,525265.49,575218.81999999995,625172.14,675125.46,725078.79,775032.11,824985.43]
[null,115000,365358.85,415312.17,465265.49,515218.82,565172.14,615125.46,665078.79,715032.11,764985.43]
[null,130000,305358.84999999998,355312.17,405265.49,455218.82,505172.14,555125.46,605078.79,655032.11,704985.43]
[null,145000,245358.85,295312.17,345265.49,395218.82,445172.14,495125.46,545078.79,595032.11,644985.43000000005]
[null,160000,185358.85,235312.17,285265.49,335218.82,385172.14,435125.46,485078.79,535032.11,584985.43000000005]
[null,175000,125358.85,175312.17,225265.49,275218.82,325172.14,375125.46,425078.79,475032.11,524985.43000000005]
[null,190000,65358.85,115312.17,165265.49,215218.82,265172.14,315125.46000000002,365078.79,415032.11,464985.43]
[null,205000,5358.85,55312.17,105265.49,155218.82,205172.14,255125.46,305078.78999999998,355032.11,404985.43]
[null,220000,-54641.15,-4687.83,45265.49,95218.82,145172.14000000001,195125.46,245078.79,295032.11,344985.43]
[null,235000,-114641.15,-64687.83,-14734.51,35218.82,85172.14,135125.46,185078.79,235032.11,284985.43]
[null,250000,-174641.15,-124687.83,-74734.509999999995,-24781.18,25172.14,75125.460000000006,125078.79,175032.11,224985.43]
[null,265000,-234641.15,-184687.83,-134734.51,-84781.18,-34827.86,15125.46,65078.79,115032.11,164985.43]
[null,280000,-294641.15000000002,-244687.83,-194734.51,-144781.18,-94827.86,-44874.54,5078.79,55032.11,104985.43]
[null,295000,-354641.15,-304687.83,-254734.51,-204781.18,-154827.85999999999,-104874.54,-54921.21,-4967.8900000000003,44985.43,"(Calculation may take a few moments)"]
[null,310000,-414641.15,-364687.83,-314734.51,-264781.18,-214827.86,-164874.54,-114921.21,-64967.89,-15014.57]
[null,325000,-474641.15,-424687.83,-374734.51,-324781.18,-274827.86,-224874.54,-174921.21,-124967.89,-75014.570000000007]
[null,340000,-534641.15,-484687.83,-434734.51,-384781.18,-334827.86,-284874.53999999998,-234921.21,-184967.89,-135014.57]
[null,355000,-594641.15,-544687.82999999996,-494734.51,-444781.18,-394827.86,-344874.54,-294921.21000000002,-244967.89,-195014.57]
[null,370000,-654641.15,-604687.82999999996,-554734.51,-504781.18,-454827.86,-404874.54,-354921.21,-304967.89,-255014.57]
[null,385000,-714641.15,-664687.82999999996,-614734.51,-564781.18000000005,-514827.86,-464874.54,-414921.21,-364967.89,-315014.57]
[null,400000,-774641.15,-724687.83,-674734.51,-624781.18000000005,-574827.86,-524874.54,-474921.21,-424967.89,-375014.57]
[null,415000,-834641.15,-784687.83,-734734.51,-684781.18,-634827.86,-584874.54,-534921.21,-484967.89,-435014.57]
[null,430000,-894641.15,-844687.83,-794734.51,-744781.18,-694827.86,-644874.54,-594921.21,-544967.89,-495014.57]
["Values represent the net financial gain for the scenario inputted in the financial comparison spreadsheet."]
[]
["Green and Yellow Positive Values = HPSP Scholarship Route Favored"]
["(Value shown is the net gain you would receive as a military dentist compared to going the Federal Loan route)"]
[null,null,null,null,"Red and Yellow Negative Values = Federal Loan Route Favored"]
["(Value shown is the net gain you would receive as a civilian dentist compared to going the HPSP Scholarship route)"]
[]
["(The user may add, remove, or change cells in the x and y axes)"]