You've heard it. Or you're about to. Someone in your class drops the phrase "RAP plan" and suddenly the whole table goes quiet. Because nobody really knows what it means, and everybody's scared to admit it.

July 1, 2026 changes everything about how dental students borrow and repay federal loans....

If you've received a letter of intent from a DSO, you've seen the term EBITDA. You may have nodded along as your broker explained it. You may have accepted the number your accountant produced without fully understanding how it was derived.

This matters more than almost anything else in your trans...

You got the letter of intent. The number looks right. The buyer's team has been professional, the process has moved quickly, and everyone keeps telling you this is a strong deal.

Then the Asset Purchase Agreement arrives — three hundred pages of legal language — and somewhere in Article 6 is the ...

The math on PPO participation gets worse every year. Write-offs that once felt manageable now consume 35 to 45 percent of production in many markets. Fee schedules that haven't moved in a decade are being applied to a cost structure that has. And yet the conventional wisdom — that you can't exit PPO...

You negotiated hard. You got a strong multiple. The letter of intent is signed, due diligence is underway, and closing is scheduled for next quarter. The total consideration looks excellent on paper — but a meaningful portion of it isn't paid at closing. It's deferred, contingent on future perf...

Every dentist eventually hears the pitch. A well-dressed rep from a regional or national dental support organization sits across from you, slides a deck across the table, and starts talking about "partnership." The numbers look interesting. The promises sound reasonable. And somewhere in the back...