{"id":21480,"date":"2025-05-01T15:41:17","date_gmt":"2025-05-01T19:41:17","guid":{"rendered":"https:\/\/www.michigandental.org\/?page_id=21480"},"modified":"2025-11-04T10:43:11","modified_gmt":"2025-11-04T15:43:11","slug":"journal-feature-story-one","status":"publish","type":"page","link":"https:\/\/www.michigandental.org\/mda-journal\/current-journal-issue\/journal-feature-story-one\/","title":{"rendered":"Journal Feature Story One"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1698696973333{margin-top: -40px !important;padding-top: 0px !important;padding-bottom: 20px !important;background-color: #009ba7 !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h1>Journal Feature Story One<\/h1>\n<p><nav  aria-label=\"breadcrumb\"><ol class=\"breadcrumb\" itemscope itemtype=\"https:\/\/schema.org\/BreadcrumbList\"><li class=\"breadcrumb-item active\" aria-current=\"page\" itemprop=\"itemListElement\" itemscope itemtype=\"https:\/\/schema.org\/ListItem\"><span itemprop=\"name\">Home<\/span><meta itemprop=\"position\" content=\"1\"><\/li><\/ol><\/nav>[\/vc_column_text][\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221;][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>DEAN\u2019S REPORT: DETROIT MERCY DENTAL<\/h3>\n<h2>Dental Schools \u2014 Safeguarding the Future of Oral Health<\/h2>\n<p>By Mert N. Aksu, DDS, JD, MHSA, Cert. DPH<br \/>\nDean and Professor<\/p>\n<p>At the University of Detroit Mercy School of Dentistry, we prepare students to thrive as clinicians, leaders, and advocates for public health, science, and equitable access to care. We not only teach the art and science of dentistry but also teach our students what it means to be a professional. As the landscape of dental education and practice evolves, we continue to ask: What role should academic institu\u00adtions and providers play in strength\u00adening the future of oral health?[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;2\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1756301974028{margin-bottom: 15px !important;}&#8221;]<\/p>\n<h4>Protecting public health: fluoridation and vaccination<\/h4>\n<p>We emphasize with our students that the foundational pillars of public health \u2014 prevention, education, access, and early intervention \u2014 cannot be taken for granted, and they are important considerations in improving health outcomes and ensuring that care reaches those who need it most. At Detroit Mercy Dental, our commitment to public health is deeply rooted in our Jesuit and Mercy traditions, which emphasize caring for the whole person (<em>cura personalis<\/em>) and a responsibility to serve those in need.<\/p>\n<p>With all that is going on, we find ourselves talking more about the basics, wanting our students to understand the implications of policies on community wellness, such as:<\/p>\n<p>1. Community water fluoridation, which remains one of the most effec\u00adtive and inclusive preventive strate\u00adgies in modern dentistry, benefiting entire populations \u2014 regardless of income, background, or insurance status. Yet, despite its proven impact, this critical public health measure is increasingly at risk. In Michigan alone, the five-year increase in dental care costs re\u00adsulting from the removal of fluoride from community water systems is es\u00adtimated at $1.48 billion.<\/p>\n<p>2. Similarly, declining human papillomavirus vaccination rates pose a serious threat to efforts aimed at preventing oropharyngeal cancers. Dental providers are in a key position to educate patients and families about the importance of this vaccination.<\/p>\n<p>As oral health educators, we find it increasingly important to emphasize sound science and the tools needed to advocate for policies that protect oral health at the population level. Universities play a critical role by educating future providers in evidence-based care, engaging in public health research, and training students to critically think while addressing public skepticism with empathy and facts. At Detroit Mercy Dental, we view our role as more than educating skilled clinicians; we are shaping ethical, community-minded leaders who understand that advocacy and service are central to improving the health of our communities.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;23542&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; css=&#8221;.vc_custom_1756301937799{margin-bottom: 15px !important;}&#8221; link=&#8221;http:\/\/www.dentalcruiseadventure.com\/&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1756302217222{margin-bottom: 15px !important;}&#8221;]<\/p>\n<h4>Medicaid, emergency care, and the expanding role of dental schools<\/h4>\n<p>We are closely monitoring proposed changes to Michigan\u2019s Medicaid dental program. Reductions to adult dental benefits would have wide-reaching consequences, impacting patients and the providers who serve them. Without coverage, many individuals are likely to forgo preventive care and seek treatment only when faced with pain, infection, or trauma.<\/p>\n<p>Dental schools will face greater demands to deliver uncompensated and emergency care. The shift from preventive to urgent treatment not only burdens educational infrastructure but also runs counter to public health goals. In response, Detroit Mercy Dental remains actively engaged in community-based care programs, collaborates with safety-net providers, and educates students to deliver compassionate care in complex environments. These experiences will help our graduates navigate a changing health care landscape and advocate for systems that support access and equity.<\/p>\n<h4>Meeting workforce needs through education and service<\/h4>\n<p>Community-based education is at the heart of our newest initiative: the Detroit Mercy Dental Vermont Track. Recently approved by the Commission on Dental Accreditation, this expansion allows 32 third- and 32 fourth-year dental students annually to complete their clinical education at a newly developed clinic in Burlington, Vermont. The site includes classrooms and will host University of Vermont Medical Center GPR residents. Through rotations at rural and Federally Qualified Health Center sites, students will deliver care in high-need areas. This expansion was made possible by a $2 million grant from Northeast Delta Dental.<\/p>\n<h4>Educating culturally competent providers<\/h4>\n<p>Cultural competence is not optional \u2014 it is essential. We prioritize inclusive education that prepares students to meet the needs of all communities. Our curriculum includes training in health equity, trauma-informed care, and interprofessional communication. The result? Graduates who are prepared to deliver compassionate, person-centered care to patients from all walks of life.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h4>Community-based dental education<\/h4>\n<p>Our CBDE model provides students with real-world experience at partner sites across Michigan. In 2024\u201325, students provided care to 5,354 patients over 8,240 visits and completed 14,386 procedures, 90% of which served Medicaid or uninsured patients. D3 students completed one- or two-week rotations; D4s completed two to three two-week rotations.<\/p>\n<h4>Mobile and school-based programs<\/h4>\n<p>The Titans for Teeth Mobile Clinic reached 630 patients across 1,716 visits. Students performed 5,580 procedures, primarily serving children through grant-funded care. Our Infant Oral Health Program reached 265 patients under age 3 in Wayne and Macomb counties. Our Macomb County Oral Health Program, launched in 2024, served 361 patients \u2014 of which were 92% Medicaid or uninsured.<\/p>\n<h4>Community outreach and partnerships<\/h4>\n<p>Over the past year, we participated in 20-plus community events, distributed nearly 2,000 oral health kits, and supported programs such as:[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;23540&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; css=&#8221;.vc_custom_1756302267793{margin-bottom: 15px !important;}&#8221; link=&#8221;http:\/\/mdaprograms.com.pages.services\/professional-liability\/?ts=1701874384697&#8243;][vc_column_text css=&#8221;&#8221;]<strong>New graduates \u2014<\/strong> Students at the 2025 commencement.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1756304036863{margin-bottom: 25px !important;}&#8221;]<\/p>\n<ul>\n<li>Special Olympics Special Smiles, serving 300 athletes.<\/li>\n<li>Downtown Boxing Gym Mouthguard Clinic, providing custom protection for youth athletes.<\/li>\n<li>Men\u2019s Oral Health Event, delivering screenings and education to over 60 participants.<\/li>\n<li>Dental Day of Caring, delivering $130,000-plus in free care to 258 uninsured patients.<\/li>\n<\/ul>\n<h4>Student-run clinics and service learning<\/h4>\n<p>Students lead efforts at community sites such as:<\/p>\n<ul>\n<li>Cabrini Clinic, supporting Hispanic patients.<\/li>\n<li>Hope Clinic, integrating dental, medical, and mental health services.<\/li>\n<li>HUDA Clinic, Michigan\u2019s largest free clinic.<\/li>\n<li>Malta Dental and Medical Clinic, our longest-running student clinic.<\/li>\n<li>Trinity Community Care, a faith-based holistic care environment.<\/li>\n<\/ul>\n<h4>Advancing research and innovation<\/h4>\n<p>Progress in our profession relies on research, and Detroit Mercy Dental remains committed to supporting student and faculty research, which enhances our profession and expands our capacity to serve. Research is a requirement of the Commission on Dental Accreditation. Proposed reductions to federal research funding, including Nation\u00adal Institutes of Health (NIH) grants and closure of the Na\u00adtional Institute of Dental and Craniofacial Research (NI\u00adDCR), threaten the progress in oral health-related research. Fewer resources mean fewer opportunities to pursue innovative ideas, engage students in discovery, and contribute to the growing body of scientific evidence that informs practice and policy.<\/p>\n<p>While Detroit Mercy Dental is not a research-intensive institution, we remain committed to contributing through our research and academic partnerships. Reductions in NIH support will limit our ability \u2014 and that of other institutions \u2014 to participate in collaborative research and provide students with formative experiences in scientific inquiry. As a profession, we must advocate for research funding and emphasize the vital role that oral health research plays in protecting overall health.<\/p>\n<h4>2024-2025 research notes<\/h4>\n<p>Our faculty, students, and residents contributed to 33 peer-reviewed publications and one book chapter, with participation from 23 faculty, 11 residents, four dental students, and one research lab technician.<\/p>\n<p>Our Student Research Program welcomed 36 students mentored by 18 faculty and four residents. Our annual Student Research Day featured 12 research presentations, with first place awarded to Delaney Aldridge, D3, for her work titled \u201c<em>The Search for Bacteriophages Able to Kill Porphyromonas gingivalis and Filifactor alocis<\/em>.\u201d<\/p>\n<p>Students also presented at the American Association for Dental, Oral, and Craniofacial Research\/Canadian Association for Dental Research meeting, the American Association of Endodontists meeting, and the Michigan Dental Association Annual Session. Recent endodontic resident grad Cassandra Wieczerza, DDS, MS, \u201825, earned first place for her research on cannabinoids\u2019 antibacterial effects. In addition, Associate Professor and Interim Director of Research Administration Joshua Thomson, PhD, was the keynote speaker at SIU School of Dental Medicine\u2019s Research Day.<\/p>\n<h4>Affordability, access, and the status of federal support<\/h4>\n<p>Affording a dental education is becoming increasingly challenging, and proposed federal changes may widen the gap. The recently passed \u201cOne Big Beautiful Bill\u201d includes reforms to federal student loan programs that will impact future dental students. Beginning in July 2026, students pursuing professional degrees, including dentistry, will face a $50,000 annual and $200,000 lifetime cap on federal student loans. This is a significant shift from the current model. Additionally, the Grad PLUS loan program will be eliminated, removing a critical financing tool used by many dental students to bridge the gap between tuition and available aid. Reduced borrowing limits may discourage qualified candidates from entering the profession, disproportionately affect those from low- and middle-income backgrounds, and make it more difficult for graduates to serve in high-need areas \u2014 precisely where the profession is facing the most severe shortages.<\/p>\n<p>While the law retains existing Public Service Loan Forgiveness (PSLF) progress for now, future access to PSLF may be at risk due to ongoing regulatory changes that could disqualify nonprofit employers and public institutions, including dental schools and health centers, sometimes retroactively. These changes have serious implications for our students and the future of dentistry.<\/p>\n<p>We remain committed to responsible financial management to reduce the annual percentage increases in tuition and remain committed to high quality educational experience with community-based settings. We have invested in educational experiences in rural areas and high-need settings \u2014 experiences that align with many federal and state loan repayment programs. We hope that we can continue to see our graduates enter into public service and continue to do the good work that Detroit Mercy graduates are known for. We will continue to advocate for policies that expand, not restrict, access to dental education and prioritize care for underserved communities.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;23543&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<strong>Men\u2019s Health Event \u2014<\/strong> Students perform an oral cancer screening exam during the 2024 Men\u2019s Health Event, held at Ford Field.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;23541&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<strong>White Coat Ceremony \u2014<\/strong> Students from the Dental Class of 2027 and Dental Hygiene Class of 2026 recite the professional oath.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<h4>Admission trends<\/h4>\n<p>Nationally, dental school applications are up by 10%. For the 2024-25 cycle, Detroit Mercy Dental processed 2,356 completed applications, with 3,038 in progress or completed.<\/p>\n<p>For the 2025-26 cycle, since June 3, we have already processed 1,475 completed applications, with 2,804 in progress or completed. We are on track to have 3,000 applications for our 176 first-year slots (including 32 students in the Vermont cohort).<\/p>\n<h4>What\u2019s changed, and what hasn\u2019t<\/h4>\n<p>Nationally, there has been significant discussion about the \u201cpractice readiness of graduates,\u201d and at Detroit Mercy we remain committed to \u201cholding the line\u201d on expectations for student experiences. Competency assessment is based on the premise that a \u201ccompetent student\u201d should be able to independently, predictably, repeatedly, and reliably perform a procedure and critically think within clinically relevant time limits without a \u201cmajor error\u201d \u2014 a \u201cmajor error\u201d is defined as something that would compromise the outcome of care and either result in harm to the patient or a unacceptable outcome.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1756304869880{margin-bottom: 5px !important;}&#8221;]To better prepare students for the clinical phase of their education, we are strengthening our first- and second-year preclinical curriculum. Beginning this academic year, students will have increased structured practice time and enhanced learning opportunities designed to develop skills necessary to deliver care with prescribed appointment times. This renewed focus on preclinical preparation supports our overall expansion, including the new Vermont Track. Students assigned to the Vermont cohort will train in a region with significant unmet needs, ensuring access to a wide variety of clinical experiences. Importantly, the Detroit cohort will continue to benefit from strong patient volumes, as we have slightly reduced its size this year to maintain an optimal learning environment. Both cohorts will receive the high-quality, hands-on training that defines a Detroit Mercy Dental education.<\/p>\n<p>Today\u2019s dental education environment is rich with innovation, from immersive digital simulation and AI-powered diagnostics to a growing emphasis on data-driven, evidence-based practice. At Detroit Mercy Dental, we embrace these advancements while remaining grounded in the enduring values that define our profession. Despite the increasing role of technology, dentistry is still built on relationships, service, and the development of sound clinical judgment through hands-on experience and mentorship.<\/p>\n<p>Detroit Mercy supports the responsible integration of artificial intelligence into both clinical care and dental education. Patients are already turning to AI tools to ask questions, seek second opinions, and even submit images or examination data. As educators, we must ensure students are equipped to work alongside these technologies with discernment and ethical awareness. For example, we are exploring the use of Overjet and Pearl, platforms that leverage AI to enhance radiographic imaging. This can improve diagnostic precision but also provides students with valuable opportunities to test their clinical knowledge against consistent, data-driven standards, particularly in the identification and management of oral pathologies.<\/p>\n<p>We continue to strike a balance between innovation and tradition. We believe that the human connection between provider and patient, faculty and student, is just as essential today as it was when we opened our doors 93 years ago.<\/p>\n<p>The future of oral health will be shaped by how we educate, advocate, innovate, and serve. At Detroit Mercy Dental, we remain committed to preparing ethical, community-connected professionals who improve access, advance science, and lead with compassion. Amid regulatory changes, workforce shortages, and evolving technology, one thing remains constant: our unwavering dedication to safeguarding the future of oral health for all.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;23547&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; css=&#8221;.vc_custom_1756304825727{margin-bottom: 5px !important;}&#8221; title=&#8221;2025 U-M Dental Graduates&#8221; link=&#8221;https:\/\/www.michigandental.org\/wp-content\/uploads\/2025\/04\/2025-UM-Composite-scaled.jpg&#8221;][vc_column_text css=&#8221;&#8221;]<strong>Class Demographics \u2014<\/strong> Class statistics for the incoming Dental Class of 2028.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner disable_element=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;21509&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1750443225858{margin-bottom: 25px !important;}&#8221;]<strong>Miller<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;22019&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1750443217420{margin-bottom: 25px !important;}&#8221;]<strong>Anamelechi<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;18771&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1750443208917{margin-bottom: 25px !important;}&#8221;]<strong>Ely<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;12383&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1750443185055{margin-bottom: 25px !important;}&#8221;]<strong>Hatfield<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;9153&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1750443306879{margin-bottom: 25px !important;}&#8221;]<strong>Farnen<\/strong>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;22573&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;.vc_custom_1750443168516{margin-bottom: 25px !important;}&#8221;]<strong>Rizkalla<\/strong>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h3>PRESIDENT&#8217;S MESSAGE<\/h3>\n<h2>Stronger Together: The Case for MDA Membership<\/h2>\n<p>By Cheri Newman, DDS<br \/>\nMDA President<\/p>\n<p><em>\u201cWhy should I be a member of the MDA?\u201d<\/em><\/p>\n<p>If you had asked me that question back in 1998 when I graduated from dental school, my answer would have been simple: \u201cBecause it\u2019s what we do.\u201d Membership was automatic. You were a student member, and then you became a dues-paying member. No one asked, \u201cWhat\u2019s in it for me?\u201d We just joined, and we were proud to say \u201cI\u2019m a member of the Michigan Dental Association.\u201d[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1761675255443{margin-bottom: 15px !important;}&#8221;]I remember there was a graduated dues scale for new dentists, which seemed fair, but honestly, I would have joined regardless. At that stage, I wasn\u2019t thinking about value. Membership was simply part of being a dentist.<\/p>\n<p>After graduation, I worked as an associate in two practices in which I had been a hygienist. Two years later, I bought into one of them. The practice had originally been owned by three dentists, all faithful MDA members. They paid their dues every year, read the <em>Journal<\/em>, and attended some meetings, but they didn\u2019t really use many of the membership bene\ufb01ts. Following their lead, I did the same.<\/p>\n<p>For years, I paid my dues, skimmed the <em>Journal<\/em>, and attended a few component meetings. But I wasn\u2019t invested, and I wasn\u2019t taking advantage of the many resources available.<\/p>\n<p>That changed when I was invited to join the MDA Continuing Education Committee. Suddenly, I had a reason to dig deeper, to learn what the MDA was really about. I still remember a conversation with a colleague who posed the hypothetical question: \u201cWhat would happen if the ADA and MDA ceased to exist?\u201d[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;21663&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1761675575595{margin-bottom: 15px !important;}&#8221;][vc_column_text css=&#8221;&#8221;]<strong>Dr. Cheri Newman<\/strong>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1761675496315{margin-bottom: 15px !important;}&#8221;]His answer stuck with me: \u201cWe would lose our voice \u2014 locally, statewide, and nationally. We would lose support for new dentists, mid-career dentists, and those preparing for retirement. We would have nowhere to go for answers. Before long, we\u2019d \ufb01nd ourselves saying, \u2018We need to organize, we need a voice.\u2019 Out of necessity, we would reinvent organized dentistry all over again.\u201d<\/p>\n<p>That\u2019s exactly why the MDA matters. We need to continue to guard against failure \u2014 failure of our association and failure of organized dentistry. Membership isn\u2019t optional. It\u2019s essential to our profession.<\/p>\n<p>One great example of the value of MDA membership and organized dentistry happened during the pandemic. When COVID-19 shut us down, the MDA became our trusted source for guidance: What was mandated by the governor, what patients expected, and how to reopen safely. I attended every webinar. I relied on every update.<br \/>\nAnd here\u2019s the important part: That information was shared with all dentists, members and nonmembers alike. Was that the right thing to do? Absolutely. In a national emergency, we help one another.<\/p>\n<p>But once the crisis ended, I couldn\u2019t help but feel disappointed to hear colleagues say, \u201cI didn\u2019t pay a dime, but I got all the same information members did.\u201d That\u2019s not professionalism \u2014 that\u2019s taking advantage. Thankfully, membership grew after COVID-19, as many dentists saw \ufb01rsthand the value of belonging.<\/p>\n<p>Fast-forward to today: Automatic membership is no longer assumed. New dentists rightly ask, \u201cWhat\u2019s the value?\u201d The answer is longer than many realize. Beyond the intangible bene\ufb01ts of advocacy and community, there are very real, practical advantages, such as:<\/p>\n<ul>\n<li>Savings on malpractice, liability, health, disability, and life insurance.<\/li>\n<li>Discounted continuing education.<\/li>\n<li>Information from a source you can trust.<\/li>\n<li>Legal and HR assistance.<\/li>\n<li>Practice support services.<\/li>\n<li>Discounts on supplies, credit card processing, and waste disposal.<\/li>\n<li>Classi\ufb01ed ads, a job board, and career support.<\/li>\n<li>Even help with mental health and wellness.<\/li>\n<\/ul>\n<p>Taking advantage of just a few of these bene\ufb01ts can more than cover the cost of dues.<\/p>\n<p>But membership is about more than discounts or perks. It\u2019s about having a professional home. It\u2019s about knowing someone has your back, whether you\u2019re a new grad navigating your \ufb01rst job, a mid-career dentist running a busy practice, or a seasoned professional planning retirement.<\/p>\n<p>The MDA is our collective voice. It strengthens our profession, and it only works if we all participate.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner disable_element=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1753992544272{margin-bottom: 15px !important;}&#8221;]<\/p>\n<h4>\u2018Trump accounts\u2019<\/h4>\n<p>Beyond tax Policy, the OBBB also established \u201cTrump Accounts,\u201d investment accounts that can be established for young children born between Jan. 1, 2025, and Dec. 31, 2028. These accounts will be seeded with $1,000 from the federal government, with annual contribution limits of $5,000 thereafter. Deposited funds can be invested for growth and 50% of the balance will be available for withdrawal at age 18 for higher education or business start-up costs, or first home purchases. Wider uses will be available for individuals at age 30.<\/p>\n<p>These accounts are expected to be available through a variety of financial institutions. However, given the freshness of the legislation, financial platforms will likely need time to adapt systems and develop infrastructure to support these accounts. Fortunately, there are no income limitations or phaseouts applicable to these accounts.<\/p>\n<h4>Impact on student loans<\/h4>\n<p>Some of the more controversial elements of OBBB involve loans available for higher education \u2014 most notably, the $50,000 annual cap on borrowing for professional degrees, such as dental school. In addition to the annual cap, there is also a lifetime cap of $200,000 in professional school borrowing. These limits go into effect on July 1, 2026, for the 2026-27 school year. Those of us who serve the dental profession are left wondering how this will impact enrollment at both of Michigan\u2019s dental schools, where costs far surpass the $200,000 aggregate limit.<\/p>\n<p>The OBBB has not only changed how the future cost of higher education would be financed, but it also has changed existing student loan repayment programs and created another income-driven repayment plan for student loans, the \u201cRepayment Assistance Plan.\u201d The primary features of the RAP include the following:<\/p>\n<ul>\n<li>Payment amounts are on a graduated scale up to 10% of adjusted gross income. This is a different calculation than preceding programs that typically used \u201cdiscretionary net income\u201d as the driver. Discretionary net income is calculated by comparing income levels to the poverty line with consideration for family size.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;23059&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; css=&#8221;.vc_custom_1753992105417{margin-bottom: 15px !important;}&#8221; title=&#8221;\u2014 advertisement \u2014&#8221; link=&#8221;https:\/\/www.grcc.edu\/schools-departments\/dental-programs\/dental-assisting&#8221;][vc_empty_space height=&#8221;25px&#8221;][vc_single_image image=&#8221;23057&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; css=&#8221;.vc_custom_1753992183558{margin-bottom: 15px !important;}&#8221; title=&#8221;\u2014 advertisement \u2014&#8221; link=&#8221;http:\/\/bridgecommercialrealty.com\/mda&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner disable_element=&#8221;yes&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<ul>\n<li>RAP stipulates forgiveness of unpaid balances after 30 years of required payments, instead of 20 to 25 years under older versions of similar plans.<\/li>\n<li>Unpaid interest is waived, so the loan balance doesn\u2019t grow during repayment years.<\/li>\n<\/ul>\n<p>The OBBB also eliminates the litigation-entangled SAVE program. Many recently graduated dentists have enrolled in the SAVE plan over the last few years, and have found themselves in uncertain forbearance status until the litigation surrounding the plan settles. Borrowers who are currently on the SAVE program will need to migrate to income-based repayment no later than June of 2028, but more likely in mid-to\u2014late 2026.<\/p>\n<p>There was a lot of press coverage and buzz around the One Big Beautiful Bill and what it was expected to contain, especially in its early stages. However, as readers digest this summary of the OBBB, they may find themselves surprised that some of the provisions they anticipated seemed to be diluted in the final version. The difference between expectations and reality is a good reminder that when it comes to legislation, deals must be made to secure necessary votes. The most notable example of this in the OBBB must be the carve out for Alaskan whaling captains. This feature of the OBBB raises the annual deduction limit for qualified whale-hunting expenses from $10,000 to $50,000; a deduction relevant for approximately 160 eligible whaling captains nationwide. This highly targeted carve-out helped secure Alaska Sen. Lisa Murkowski\u2019s crucial swing vote to pass the OBBB.<\/p>\n<p>Time will tell what the ultimate and long-term impact of the OBBB will be. As taxpayers, investors, and Americans, we are all used to the landscape changing and the need to adapt accordingly. This is a good reminder to meet regularly with your professional advisers to make sure your plan is evolving to take advantage of current available strategies.<\/p>\n<hr \/>\n<h4>About the Authors<\/h4>\n<p>John J. Looby, CPA, is a Certified Public Accountant and partner at the firm Looby Baumgarten, P.C. Looby has been with the firm since his graduation from Michigan State University in 1998. He is a member of the Michigan Association of Certified Public Accountants, American Institute of Certified Public Accountants, and Michigan Tax and Accounting Professionals. John, along with his brother Mike, are the partners in charge of Looby Baumgarten&#8217;s dental accounting department, MDA-endorsed Dental Business Specialists. Contact him at <a href=\"mailto:loobyj@loobypc.com\">loobyj@loobypc.com<\/a>.<\/p>\n<p>Ted Schumann II, MBA, MSF, CFP, AIF, is an investment adviser representative and the managing partner of DBS Investment Advisers, LLC and DBS Dental Sales. For almost two decades, he has been helping dentists plan their financial future, working with dentists throughout all stages of their career. He is also a member of the MDA Foundation Board of Directors and serves on the MDA Foundation Finance Committee. He is a frequent speaker at MDA events and at various dental societies.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;22952&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; css=&#8221;.vc_custom_1753993247113{margin-bottom: 15px !important;}&#8221; title=&#8221;\u2014 advertisement \u2014&#8221; link=&#8221;http:\/\/www.omegadentalsupply.com\/&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner disable_element=&#8221;yes&#8221;][vc_column_inner][vc_cta h2=&#8221;About Talkspace Go and Other Resources&#8221; style=&#8221;outline&#8221; color=&#8221;turquoise&#8221; css=&#8221;&#8221;]Talkspace Go is a self-guided therapy app to support mental well-being. It\u2019s a free resource available to all ADA\/MDA members and dental students.<\/p>\n<p>The app provides tools to manage work stress, relationships, and overall balance in life. In as little as five minutes a day, Talkspace Go can support well-being through personalized courses around topics like work stress, financial stress, burnout, depression, conflict, and relationships. Users can also participate in therapist-led live workshops, courses, daily journaling, and more.<\/p>\n<p>To get started:<\/p>\n<ul>\n<li>Visit ADA.org\/TalkspaceGo to log in with your ADA information and receive a member-only access code.<\/li>\n<li>Download Talkspace Go on iOS or Android.<\/li>\n<li>Create an account and enter the ADA organization code.<\/li>\n<li>Answer 25 questions to help identify areas of support and growth to begin the self-guided experience.<\/li>\n<\/ul>\n<p>For more information about Talkspace Go or to sign up, visit <a href=\"https:\/\/ADA.org\/TalkspaceGo\" target=\"_blank\" rel=\"noopener\">ADA.org\/TalkspaceGo<\/a>.<\/p>\n<h4>Access the ADA Well-Being Index<\/h4>\n<p>To access the ADA Well-Being index visit <a href=\"https:\/\/ADA.org\/resources\/practice\/wellness\/well-being-index-members\" target=\"_blank\" rel=\"noopener\">ADA.org\/resources\/practice\/wellness\/well-being-index-members<\/a> to set-up a WBI account and then take the assessment.<\/p>\n<h4>Wellness Resources on the ADA Website<\/h4>\n<ul>\n<li><a href=\"https:\/\/www.ada.org\/wellness\" target=\"_blank\" rel=\"noopener\">www.ada.org\/wellness<\/a><\/li>\n<\/ul>\n<h4>More Wellness Assistance on the MDA Website<\/h4>\n<ul>\n<li><strong>MDA Health and Well-Being page<\/strong><br \/>\n<a href=\"https:\/\/www.michigandental.org\/practice-resources\/programs-services\/health-and-well-being\/\">michigandental.org\/Well-Being<\/a><\/li>\n<li><strong>MDA Member Assistance Program<\/strong><br \/>\n<a href=\"https:\/\/www.michigandental.org\/practice-resources\/programs-services\/health-and-well-being\/member-assistance-program\/\">michigandental.org\/Assistance<\/a><\/li>\n<\/ul>\n<p>[\/vc_cta][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1698696973333{margin-top: -40px !important;padding-top: 0px !important;padding-bottom: 20px !important;background-color: #009ba7 !important;}&#8221; el_class=&#8221;white-text&#8221;][vc_column][vc_column_text css=&#8221;&#8221;] Journal Feature Story One [\/vc_column_text][\/vc_column][\/vc_row][vc_row disable_element=&#8221;yes&#8221;][vc_column][vc_column_text css=&#8221;&#8221;] DEAN\u2019S REPORT: DETROIT MERCY DENTAL Dental Schools \u2014 Safeguarding the Future of Oral Health By Mert N. Aksu, DDS, JD, MHSA, Cert. DPH Dean and Professor At the University of Detroit Mercy School of Dentistry, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":21409,"menu_order":12,"comment_status":"closed","ping_status":"closed","template":"page-template-full-width.php","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","protect_children":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-21480","page","type-page","status-publish","hentry"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2025-11-17 13:50:53","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/pages\/21480","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/comments?post=21480"}],"version-history":[{"count":29,"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/pages\/21480\/revisions"}],"predecessor-version":[{"id":24632,"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/pages\/21480\/revisions\/24632"}],"up":[{"embeddable":true,"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/pages\/21409"}],"wp:attachment":[{"href":"https:\/\/www.michigandental.org\/wp-json\/wp\/v2\/media?parent=21480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}