SoFi

In dental school you’re taught the skills you need to become a successful dentist. What they don’t tell you is how to effectively handle your dental school debt. A typical dental school graduate enters the profession with a student loan burden topping $293,900, according to the Education Data Initiative.

That’s $90,000 more than the average medical school debt. Right when dentists are ready to hit the accelerator on their careers, the reality of repayment presents a sizable speed bump.

The good news is, you’ve picked the right profession when it comes to ROEd, or the “return on education” you should reap down the road. The average base salary for general dentists is $217,620, and more than $355,570 for specialists who provide implant services, per a 2021 survey by DentalPost and Endeavor Media.

Ways to Pay Off Dental School

At this stage of the game, it’s important to have a plan for paying down your debt as efficiently as possible. Getting your finances in order early is especially critical if you anticipate borrowing more money down the road to open your own practice or buy a home.

Below, we explain the various student loan payment options available and how to know which one makes the most sense for you.

Choose a Repayment Plan

Federal student loan borrowers have four repayment plans to consider. They all set your monthly loan payment at an amount deemed affordable based on your income and family size. You can change your plan anytime without incurring fees.

•   Standard Repayment Plan. Spreads payments evenly over 10 years. Under this plan, if you have a loan balance of $250,000 at 7.54%, your monthly payment will be about $2,900. This is the default plan if no other plan is chosen.

•   Graduated Repayment Plan. With this plan, payments start lower and then gradually increase over time, usually every two years. Repayment takes place over 10 years.

•   Extended Repayment Plan. Choose either fixed or graduated payments. Repayment takes place over 25 years.

•   Income-Driven Repayment Plans. There are four types of income-driven repayment plans that tie a borrower’s income to their loan payments. Repayment takes place over 20 or 25 years. At the end of the repayment period, the remaining balance is forgiven (though this amount may be taxable).

Thanks to their higher income, dental professionals often pay off their loans before the end of the repayment period, making the forgiveness benefit irrelevant. Also, you may not be eligible for forgiveness programs if your income is over a certain threshold. (Still, we’ll get into forgiveness programs a bit more in the next section.)

Keep in mind that the longer your repayment term, the more interest you pay over the life of that loan. The shorter your term, the less you’ll pay in interest, but the higher your monthly payment will be.

A student loan payoff calculator will give you an idea of your monthly payment for different repayment terms.

Recommended: How To Get Out of Student Loan Debt

Loan Forgiveness

The Public Service Loan Forgiveness (PSLF) program is an option if you start your career at an eligible nonprofit or public service agency. Work for a local, state, tribal, or federal government organization or for a nonprofit organization, and you may be eligible for federal Direct Loan forgiveness after 10 years in an income-based plan. Serving as a full-time AmeriCorps or Peace Corps volunteer also counts.

Examples of qualifying government employers are the U.S. military, public colleges, and public child and family service agencies, but not government contractors.

There are also a number of federal and state loan-repayment assistance programs that reward dentists for providing service to certain segments of the population. The Indian Health Service Loan Repayment Program, for example, offers dentists who serve American Indian communities up to $20,000 per year toward the repayment of school loans.

Student loans from private lenders do not qualify for PSLF.

Student Loan Consolidation

Federal student loan consolidation lets you combine multiple federal student loans into a single new loan with a fixed rate. Your new rate is the weighted average of the old student loans’ interest rates rounded up to the nearest eighth of a percentage point. That means the rate might actually be slightly higher than the prior rate on some of the loans.

If your monthly payment decreases, it’s likely the result of lengthening the term (up to 30 years), which can mean paying more interest over time.

By the way, you can’t include private student loans in this type of a consolidation loan.

Student Loan Refinancing

For many dental school grads, consolidating multiple student loans into a single loan with a private lender, and then refinancing the balance at a lower interest rate, makes sense. Student loan refinancing makes it easier to manage your finances: You’ll get one bill each month from a single lender, instead of several bills for varying amounts that are based on different rates.

Depending on how you structure your loan, a lower interest rate might allow you to pay back your debt faster. That can save you a substantial amount of money over the life of the loan.

You can also choose a term that lowers your monthly payments, leaving more money in your pocket to be used for other things: building an emergency fund, starting a family, and investing for retirement.

Tips for Thriving as a New Dentist

Here are some ways you can set yourself up for success from the very start of your career.

•   Create a budget you can stick to. Leave room for annual and quarterly expenses as well as incidentals.

•   Start a savings plan. The sooner you start saving and investing, the sooner you can enjoy compound growth, which is when your money grows faster over time.

•   Set up automatic payments for student loans. This helps you make payments on time, plus many loan service providers offer a discount if you arrange to autopay.

•   Look into different ways to invest. In addition to maxing out your 401(k) or 403(b), you may also want to consider vehicles such as a health savings account or individual retirement account.

•   Get familiar with your employee benefits package. Find out what perks your employer offers, such as help with student loan repayment.

Recommended: Budgeting as a New Dentist

The Takeaway

Though a typical dental school student owes nearly $294,000 by the time they graduate, there are several student loan payment options that can help borrowers pay down debt more efficiently. All four federal student repayment options, for example, set your monthly payments based on your income and family size. And depending on your employer, you may also qualify for a forgiveness program.

Have multiple loans? Federal student loan consolidation lets you combine them into one new loan with new terms and a new interest rate. Student loan refinancing, which lets you consolidate multiple student loans into a single loan with a private lender, is another option to consider.

It might be beneficial to look for a refinancing lender that offers extras. SoFi members, for example, can qualify for rate discounts and have access to career services, financial advisors, networking events, and more—at no extra cost.

^†Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

IF YOU ARE LOOKING TO REFINANCE FEDERAL STUDENT LOANS, PLEASE BE AWARE THAT THE WHITE HOUSE HAS ANNOUNCED UP TO $20,000 OF STUDENT LOAN FORGIVENESS FOR PELL GRANT RECIPIENTS AND $10,000 FOR QUALIFYING BORROWERS WHOSE STUDENT LOANS ARE FEDERALLY HELD. ADDITIONALLY, THE FEDERAL STUDENT LOAN PAYMENT PAUSE AND INTEREST HOLIDAY HAS BEEN EXTENDED TO DEC. 31, 2022. PLEASE CAREFULLY CONSIDER THESE CHANGES BEFORE REFINANCING FEDERALLY HELD LOANS WITH SOFI, SINCE THE AMOUNT OR PORTION OF YOUR FEDERAL STUDENT DEBT THAT YOU REFINANCE WILL NO LONGER QUALIFY FOR THE FEDERAL LOAN PAYMENT SUSPENSION, INTEREST WAIVER, OR ANY OTHER CURRENT OR FUTURE BENEFITS APPLICABLE TO FEDERAL LOANS. CLICK HERE FOR MORE INFORMATION.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SLR17159

If you’re a doctor or studying to be one, chances are you have student loans. A typical medical school graduate has an average student loan debt of $202,450, according to the Education Data Initiative. That’s seven times as much as the average college student owes.

Paying back the loans can be a challenge for doctors during residency and the early part of their career. But the good news is, the profession tends to pay well. In 2023, a typical entry-level doctor earned around $210,000 per year.

Ways to Pay Off Medical School

No matter how much you owe, it’s smart to have the right repayment strategy in place. This can help ensure your monthly loan payments are manageable and your financial health is protected.

Let’s take a closer look at the various student loan payment options available.

Choose a Repayment Plan

When it comes to federal student loans, borrowers have four different repayment options. No matter which plan you choose, your monthly loan payment will be based on your income and family size. If you need to change your plan at any time, you can do so without incurring fees.

•   Standard Repayment Plan. This plan spreads out payments evenly over 10 years. For example, if you have a loan balance of $200,000 at 6.54%, your monthly payment will be about $2,275.

•   Graduated Repayment Plan. With a graduated plan, your payments start out lower and then gradually increase over time, typically very two years. Repayment takes place over 10 years.

•   Extended Repayment Plan. You can choose either fixed or graduated payments, and repayment takes place over 25 years.

•   Income-Driven Repayment Plans. There are four types of income-driven repayment plans: Income-Contingent Repayment (ICR), Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Revised Pay As You Earn (RPAYE). Repayment takes place over 20 or 25 years, depending on your income and the plan you choose. At the end of the repayment period, the remaining balance is forgiven, though this amount may be taxable.

As you weigh your options, think about the length of the repayment term and the monthly payment amount. With a longer repayment term, your monthly bill is lower but the amount of interest you pay over the life of the loan is higher. With a shorter term, you pay less in interest over the life of the loan but your monthly payment is higher. A student loan payoff calculator will give you an idea of your monthly payment for different repayment terms.

Recommended: 4 Student Loan Repayment Options — and How to Choose the Right One for You

Loan Forgiveness Programs

Loan forgiveness programs can wipe out some or all of your medical student loan debt, provided you meet certain criteria. If you work for an eligible nonprofit or public service agency, for example, you may qualify for the Public Service Loan Forgiveness (PSLF) program. Considering a job with a local, state, tribal, or federal government organization or with a nonprofit organization? You could be eligible for federal Direct Loan forgiveness after 10 years in an income-based plan.

You may also qualify for a federal or state loan-repayment assistance program if you provide service to certain areas or segments of the population. For instance, the National Health Service Corps Loan Repayment program will erase as much as $50,000 of eligible student debt, tax-free, if you work for at least two years in an approved medical facility.

Student loans from private lenders do not qualify for PSLF.

Student Loan Consolidation

If you’re paying off more than one federal loan, federal student loan consolidation may be an option worth exploring. Consolidation lets you combine different federal student loans into a single new loan with a fixed rate. The new rate is a weighted average of all your federal loan rates, rounded up to the nearest eighth of a percent. This may result in a slightly higher rate than you were paying before on some loans.

When you consolidate, you have the option to choose a new repayment plan that extends the life of the new loan up to 30 years. Keep in mind that you can’t include any private student loans in this type of consolidation loan.

Student Loan Refinancing

With student loan refinancing, you combine private and federal student loans into one new loan with a private lender, and then refinance the balance at a potentially lower interest rate. This in turn can lower how much you pay in interest over the life of your loan. Refinancing can also make it easier to manage student loan payments. Instead of bills from different lenders, you get one bill each month from one lender.

You can choose a new length for your loan, which lets you adjust your monthly payments. This may be especially helpful if you choose to refinance during your residency.

Recommended: A Guide to Private Student Loans

The Takeaway

Attending medical school isn’t cheap, and it’s common to graduate with significant student loan debt. The good news is, there are several repayment options that can help you tackle your debt more efficiently and protect your financial health. For example, if you have federal student loans, your monthly payments are based on your income and family size. You may qualify for a forgiveness program, which could erase part or all of your balance.

Have more than one loan? Consolidation lets you combine multiple federal loans into a single loan with new terms and a new fixed rate. With student loan refinancing, you combine private and federal student loans into a single loan with a private lender and then refinance it at a potentially lower interest rate.

Refinancing can be a great choice for working medical school graduates who have higher-interest PLUS loans, Direct Unsubsidized Loans, and/or private loans.

SoFi Student Loan Refinance
SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org). SoFi Student Loan Refinance Loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Public Service Loan Forgiveness, Income-Based Repayment, Income-Contingent Repayment, PAYE or SAVE. Additional terms and conditions apply. Lowest rates reserved for the most creditworthy borrowers. For additional product-specific legal and licensing information, see SoFi.com/legal.

Trying to sleep on an overnight flight can feel like a mission impossible, what with the noise, cramped quarters, uncomfortable seats, plus all those meal and beverage service interruptions. Lack of sleep on an all-night flight can leave you feeling drowsy, irritable, and lethargic upon arrival at your destination, which is not the way you want to start your trip.

Despite the inherent obstacles, you shouldn’t resign yourself to spending a long flight wide awake. There are hacks that can help you get some quality slumber on an overnight flight. Read on to learn:

•   The importance of getting sleep on an overnight flight

•   How to sleep well by choosing the right flight and seat

•   What you can do to prepare ahead of your flight

•   Things you can do to wind down and relax on your flight

Why It’s Important to Get Sleep on an Overnight Flight

When you get adequate sleep during the night, your brain and body rest and recover, allowing you to feel energized the next day. Without enough shut-eye, you’ll likely feel more physically, emotionally, and mentally tired.

In addition, lack of sleep on an overnight flight can contribute to jet lag, which typically happens when an individual travels east or west across three or more time zones.

•   Besides fatigue, symptoms of jet lag can include trouble processing information clearly, difficulty coping with change, having slower reaction times, and experiencing problems with balance and coordination.

•   Jet lag can impair your alertness, which can be dangerous if, for instance, you’re renting a car and will be driving right after your flight. It can also make you more vulnerable to pickpockets and scammers.

Recommended: Guide to Saving Money on Hotels for Your Next Vacation

Choosing the Best Flight and Seat

The timing of your flights and where you sit on the plane can play a key role in how well you sleep overnight. Certain departure times sync better with your body clock to make sleep come on a little easier. And some seats and areas of the plane work better for sleeping.

Here, consider these suggestions for when to take off and how to pick the prime seat for snoozing.

Timing Your Flight for Optimal Sleep

Our bodies have an internal clock, or “circadian rhythm,” that tells us when it’s time to sleep and wake up. Taking an overnight flight can disrupt your body’s natural cycle of wakefulness and sleep. For example, if you’re flying from New York City to Paris, which is six hours ahead, you’ll land when it’s already morning, but your body is telling you it’s still nighttime. Two points to keep in mind:

•   When it comes to taking an overnight flight, you’re working with your natural body clock instead of fighting against it. So go ahead and book that 9am vs. 4pm flight. At some point, you’re bound to get sleepy around your usual bedtime. Overnight flights can be better if you’re traveling with babies and children, since the flight coincides with their bedtime too.

•   You can also get more uninterrupted sleep by choosing a direct flight. Yes, it can be pricier, but having to switch flights in the middle of the night results in broken sleep, plus layovers can further mess up your internal clock.

Picking A Seat

Many airlines offer first class and business class red-eye passengers the most sleep-focused perks, such as extra leg room, more privacy, and seats that convert into beds. However, buying seats in these sections can be very expensive — thousands of dollars more than a seat in coach. If you don’t have that much money socked away in your travel fund, consider the following:

•   Do you have unused miles you’ve accrued by using an airline credit card? Now might be the time to cash in and use them for a first or business class seat or upgrade.

•   Consider if it’s worthwhile to charge an expensive and more comfortable seat and then have the credit card reward points to use as you see fit. Or you might opt for cash back.

•   If you purchase your ticket with a travel credit card or cash back rewards credit card, you might earn miles that you can use on future travel, which can help offset the expense.

If you choose to fly coach, there are ways to snagging the best type of seat in which you can doze off. Some tips:

•   Window seats tend to be best for sleeping. You can rest your head against the window or wall, and don’t have to deal with passengers waking you up as they climb over you to move around the cabin. Window seats also provide the most privacy and give you control of the window shade. Book early, as window seats are popular and tend to disappear quickly.

•   Your next choice might be to opt for an aisle, which can give you more room to stretch your legs. Beware of falling asleep that way, though; you’ll likely be woken up by flight attendants or fellow passengers who need to get by you.

•   Seats closer to the front of the plane are often quieter and make for a smoother ride. Sitting in the back of the plane doesn’t bode well for sleeping, especially if you’re in the last row in a seat with limited to no recline.

•   Another reason the rear of an aircraft is best avoided: It’s usually the location for the restroom, which can be noisy and have frequent passenger traffic.

•   Steer clear of a seat near the galley areas where flight attendants may be moving around at all hours.
Once you’re safely in the air and the seatbelt sign is turned off, look around to see if there are any free rows where three empty seats could give you the opportunity to lie down. Check in with the flight attendants to make sure it’s allowed and the seats don’t belong to anyone else.

Recommended: Credit Card Miles vs. Cash Back: Guide to Choosing

How to Prepare

Here’s some advice to help you fall and stay asleep on a long-haul overnight flight.

•   Adjust your sleep schedule before you leave. Begin to reset your body clock several days prior to your voyage. The Mayo Clinic suggests if you’re traveling east, go to bed one hour earlier each night for a few days before your trip. When heading west, hit the hay one hour later than usual for a couple of days.

•   Eat lightly and clean. Eating spicy, fatty, fried, or high-carb foods before the flight can leave you feeling too full and uncomfortable to sleep.

•   Make sure your seatbelt is visible. This will avoid sleep interruptions by flight attendants who may need passengers to put on their seatbelts during the flight. If you’re covering yourself with a blanket, fasten your seatbelt over it so there’s no need for flight staff to rouse you.

•   Skip caffeine and alcohol. Caffeinated and alcoholic beverages can interrupt sleep and dehydrate you. Instead, keep yourself hydrated by drinking H2O or herbal tea , such as chamomile, valerian root, or passionflower. Research has shown these can help you feel sleepy and improve sleep quality. (You might bring your own teabags and ask the flight attendants for hot water.)

•   Get some exercise that day. Physical activity can help improve sleep quality. Even walking around the airport before your flight counts.

•   Dress in comfortable layers. You never know what the cabin temperature might be, so it’s a good idea to layer up in case you get too hot or cold. Wearing cozy lounge-wear, versus skinny jeans, will up your comfort level so you can sleep better.

•   Take a sleep aid. Many people find taking a prescription or over-the-counter sleeping medication helps them sleep on a plane. One caveat: Both nonprescription and prescription sleeping pills can cause daytime grogginess. A safer option? Try taking melatonin supplements, a synthetic version of the natural hormone your body makes to produce sleepiness .

•   Use your tray table as a head rest. Some people find leaning over and resting their head on their tray table with a pillow makes it easier to get some sleep. This can be especially helpful if you’re in a middle or an aisle seat.

What to Bring for an Overnight Flight

Some airlines may give you a complimentary kit with toiletries and other items to make your night flight more comfortable. You might, however, want to put together your own in case you don’t get one or the airline’s kit doesn’t have everything you might need. Here are some suggested sleep-better items to pack in your carry-on:

•   Neck or travel pillow

•   Noise-canceling headphones or ear plugs

•   Eye mask

•   Cozy warm socks and slipon shoes

•   Blanket or wrap

•   Snacks in case you sleep through meal service or get hungry in between

When and How to Wind Down in the Air

Your pre-bed routine doesn’t have to fall to the wayside just because you’re flying. There are some things you can do during your journey to relax and encourage sleepiness:

•   Listen to calming music or a podcast

•   Engage in a relaxing activity such as reading a book, knitting, or breaking out a mini deck of cards to play Solitaire.

•   Avoid looking at screens and skip the inflight entertainment since exposure to blue light can interfere with sleep.

•   Don’t stress if sleep doesn’t happen. It can be difficult to sleep when you can’t get comfortable. Anxiety around traveling with pets and/or small children or just flying in general, can prevent you from relaxing. Instead, try to at least rest your eyes and do some deep breathing.

Recommended: How Families Can Afford to Travel

The Takeaway

No doubt about it, trying to snooze on an overnight flight can be downright challenging. Lack of sleep on a redeye can result in physical and mental exhaustion, which isn’t the best way to kick off your travels. Fortunately, by booking certain seats and following a few steps, you can likely get the in-flight rest you need to help make you feel alert and ready to roll once you touch down.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.

FAQ

Should I pull an all-nighter to sleep on a plane?

No. Getting on a night flight already sleep-deprived doesn’t guarantee you’re going to sleep well on the plane. It’s also counterproductive. If you haven’t slept the night before, you’ll most likely be struggling to stay awake when you need to get things done on your travel day.

How many hours should you wake up before you land?

Plan to set your alarm so you can wake up somewhere between 45 minutes to an hour before landing. Since waking up on a plane can be disorienting, it’s important to have some time to become fully alert before you disembark.

Is jet lag easier flying east or west?

It’s easier to deal with jet lag when you’re flying west than east. When you fly east, you “lose” time as opposed to flying west when you “gain” time. It’s believed your body can adapt more quickly to staying up late than going to sleep earlier.

Photo credit: iStock/Meinzahn

¹See Rewards Details at SoFi.com/card/rewards.

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Dogs are such an integral part of many families that we humans hate to go on vacation without them. Today, 45% of American households include a canine, and the dog population is inching ever closer to 90 million.

There are many places you can take your good boy on your travels, but it requires research and preparation to pull off a successful dog-friendly vacation. Here, we present valuable tips and inspiration, including:

•   Best dog-friendly vacation spots

•   Dog-friendly road trip ideas

•   Apps for pet-friendly vacations

•   What to bring on a dog-friendly vacation

Guidelines for Traveling with Your Dog

Before traveling with your pet, you should research the rules for any form of transportation that you may be taking: planes, trains, buses, rental cars, and boats. You should also look into which hotels and attractions allow dogs.

Dogs on a Plane

Each airline has its own policy regarding bringing your dog on the plane, such as:

•   Many airlines allow dogs only under a certain size. Some allow you to bring your dog into the cabin and put them in a carrier under the seat in front of you, while others may want you to have your dog in the cargo compartment. Alaska, Southwest, and Frontier are regarded as some of the most pet-friendly airlines, but others allow pets as well.

•   Many airlines charge fees for traveling with your pet. For dogs traveling in-cabin, the fee can typically range from about $50 to $250 for a one-way trip. If your dog is flying in a pressurized, temperature-controlled cargo compartment in a carrier, the cost is usually based on the size and weight of your dog plus their crate. If you are flying within the U.S., this can cost up to several hundred dollars for a 75-pound dog. Keep this in mind because it can mean you need to plunk more cash into where you keep your travel fund.

•   Some airlines do not allow dogs at all, even if you have elite status in their frequent flier program or have one of their airline credit cards. You should always check with your airline before bringing your pet.

Trains and Buses

Rules regarding bringing pets on trains or buses will vary. Amtrak allows dogs and cats up to 20 pounds (combined weight of pet and carrier) on train rides that are up to seven hours. Dogs are allowed only on select routes, and the pet fees vary by route.

Car Safety

When traveling by car with your dog, make sure that they are safe inside your vehicle. If you can, get a car seat or buckle attachment for your dog. If you are renting a car on your trip, it’s wise to bring a buckle attachment with you.

Boats and Cruises

Most cruises do not allow dogs, except for service dogs. The only cruise line with dedicated pet facilities is the Cunard Line. They allow dogs on their ship Queen Mary 2, which has 24 kennels, space for the dogs to play, and a dedicated owner’s lounge on board.

Hotels

Some hotel brands are known to be more pet-friendly than others. When a hotel says that it is “pet-friendly,” it likely means that they allow pets in the rooms. Some points to consider:

•   Some hotels will charge a pet fee, require a pet deposit, or allow pets only under a certain size.

•   Pet-friendly hotels include IHG (Kimpton), Marriott, Hilton, Hyatt, Wyndham, and Best Western. However, pet policies will vary based on property. There are also pet-friendly boutique hotels.

•   To find lodging that welcomes your doggo with open arms, you can search sites like TripAdvisor or apps like Bring Fido and BarkHappy.

•   Some hotels go above and beyond in allowing pets and providing extra amenities like dog treats or toys upon check-in.

•   If you are wondering how to save money on hotels with a pet, some more affordable forms of lodging also allow pets, and some don’t even charge a pet fee. At Red Roof Inn, pets under a certain weight limit can stay for free. Motel 6 also allows pets, and doesn’t charge a fee for well-behaved pets.

•   Some state and local municipalities have different rules about pets in hotels, which may override the hotel’s policies. Be sure to check with the specific hotel before bringing your pet with you.

Sights

When planning out what you want to do on vacation with your dog, be sure to research which attractions allow dogs. You should be able to find out this information on the destination’s website or by calling them directly. Many attractions may allow service dogs only.

A bit of research can help save you time and spare you disappointment. You are more likely to find dog-friendly attractions that are outdoors, though not all outdoor attractions allow dogs. There are plenty of dog-free parks, for instance, so take a few minutes to search for information as you look for the best dog-friendly travel spots.

Recommended: How Does Credit Card Travel Insurance Work?

What to Bring

When packing for your vacation with your dog, you should think about what your dog needs on a daily basis at home. This could include things like:

•   Food

•   Food and water dishes

•   Any medications

•   Toys and any comfort objects

•   Clothes (if your pooch wears them)

•   Treats

•   Poop bags

•   A bed or crate

Bring plenty of food and dog-waste bags in case your dog goes through more than normal due to the stress of traveling.

Dog-Friendly Places to Go

There are an endless array of places you can go for a dog-friendly vacay. Some of the best dog-friendly spots include:

•   Cities. Some are more dog-friendly than others. Look for cities with lots of outdoor spaces. Some ideas for dog-friendly places to go include Austin, TX; Albuquerque, NM; Asheville, NC; Seattle (you can visit the Voff Barn and Brew, a dog-friendly bar), and Huntington Beach, CA.

•   Beaches. If you are planning summer travel and have a pup that loves sand and surf, a getaway by the shore can be heavenly, combining beautiful scenery and staying active.

•   Natural Paradises. If you and your furbaby like to hike, check out locations like Lake Placid, NY, or Sedona, AZ, where you can spend time exploring together. You might also go on a dog-friendly road trip (whether you are traveling solo or with friends and family) and stay at a couple of pet-friendly campsites with your dog.

•   Resorts. If you want to relax, a dog-friendly resort could be just the thing. Some locations specialize in welcoming pets and offering amenities that will have you and your doggo feeling totally pampered. At Inn by the Sea in Cape Elizabeth, ME, there’s dog-friendly dining and all kinds of treats for you and your pooch (like at turndown time) at no extra fee. Dog-sitting and dog-walking services are also available if you need some just-me time. (If you pick a resort that does charge a fee, you might check if you have credit card cash back on your credit card rewards to help cover the extra expense.)

Helpful Apps

There are several apps that can be useful if you are taking a trip with your dog.

•   Bring Fido. Find a pet-friendly hotel, dog park, beach, or other attraction while on vacation, anywhere in the world.

•   BarkHappy. Find dog-friendly restaurants, hotels, parks, and other attractions based on your current location. You can even find events and other nearby dogs for your boy to socialize with.

•   Pet First Aid. Get information in case of an emergency medical situation with your pet, as well as first aid, health issues, and dog CPR. You can also store your pet’s health info (like when they got their shots) in the app so you have it handy.

•   Rover. If you need a pet sitter or dog walker while you are on a trip with your pet, Rover may be helpful. You can find a sitter or walker that has been through a background check from Rover. You can then pay the pet sitter or dog walker directly through the app. You’ll get photo updates while you are away from your dog.

Recommended: Where to Find Book Now, Pay Later Travel

How to Prepare Your Dog for Travel

Before traveling with your dog, you should make sure you get him prepared and acclimated:

•   If your pet will be traveling with some kind of restraint in a car or in a crate/carrier on a plane, take time to expose them to it and get them comfortable with it.

•   Make sure your dog has up-to-date tags or that your microchip info is current.

•   Always keep a pet travel bag nearby with essentials (food, water, any meds, poo bags).

•   Consider having a vet check prior to travel, especially if flights are involved and/or your dog has a medical condition.

The Takeaway

Traveling with your dog can be a fun bonding experience for both of you. Be sure to research transportation and hotel policies ahead of time so you know where your dog is allowed. Whether you go to a city, get back to nature, or visit a resort, spending time with your pet can make a good getaway even better.

Whether you want to travel more or get a better ROI for your travel dollar, SoFi can help. SoFi Travel is a new service exclusively for SoFi members that lets you budget, plan, and book your next trip in a convenient one-stop shop. SoFi takes the guessing game out of how much you can afford for that honeymoon, family vacation, or quick getaway — and we help you save too.

Photo credit: iStock/AleksandarNakic

¹See Rewards Details at SoFi.com/card/rewards.

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Waiting around an airport isn’t most people’s idea of fun. But perhaps you’ve noticed the swanky entrances to hidden airport lounges, or heard about them from a friend.

Private airport lounges offer a comfortable refuge from the crowded waiting areas by the gates. They’re a place to recharge (yourself and your devices), have a glass of wine, and sample upscale prepared foods that are a major improvement over that bag of chips from the vending machine.

These facilities are typically only accessible via a pricey plane ticket or membership. Here, you can learn ways to enjoy luxury airport lounges, for a fee or possibly even for free.

How Do Airport Lounges Work?

There are several types of airport lounges, and they vary from basic to luxurious. The no-frills lounges simply have snacks and drinks, while the most lavish will feature such complimentary perks as a full buffet, table-service restaurant, open bar, and even showers. The seats are way more comfortable than what you find in the standard waiting area, and you may have your choice of reading materials and streaming shows.

Not only can this help fill the time before your flight, but it can save money on food in the airport or onboard your flight, which can be one way families can afford to travel.

If you are traveling with pets, you may find a lounge that allows you to hang out with little Bailey in less crowded conditions than the main terminal. This can be more comfortable for you and your furbaby.

There are a few main types of lounges:

•   The original airport lounges were run by the airlines, and several major carriers still offer lounges at the airports they use as hubs. In the U.S., American, Delta, and United offer large lounge networks, while Alaska Airlines has a much smaller network. Some foreign carriers also offer lounges at major international gateways, such as New York’s JFK and Los Angeles.

•   Another type of airport lounge is the contract lounge. These are third-party facilities that are open to those who have membership with an affiliated network. These lounges are also used for business and first class passengers of airlines that don’t have their own branded lounge. In the U.S., the most common lounge network is Priority Pass Select, which offers members access to over 1,300 lounges around the world. There are numerous travel rewards credit cards that offer a Priority Pass Select membership.

•   You’ll also see lounges that are branded with the name of a credit card issuer, for use by its premium cardholders. The American Express Centurion lounges are the largest credit card lounge network. Capital One and Chase are also in the process of constructing their own branded lounge network. These lounges tend to be the most luxurious.

•   Finally, there are USO lounges that are available to U.S. Armed Forces active duty, Reserve, and Guard service members, as well as their families.

How to Access Airport Lounges for Free

With most lounge networks, the easiest way to gain entry is to purchase a membership or a day pass. However, there are some ways to access airport lounges without forking over cash.

Open a Premium Travel Rewards Credit Card

There are several travel credit cards that offer the perk of airport lounge access. For example:

•   The American Express Platinum Card offers lounge membership with the Delta SkyClubs, Priority Pass Select, and American Express Centurion lounges.

•   The Chase Sapphire Reserve offers a Priority Pass Select membership.

•   The premium airline credit cards from American, Delta, and United each offer membership to their branded lounges.

When you’re deciding about which credit card rewards are most valuable to you, consider whether luxury airport lounge access is an important factor.

Recommended: How Does Credit Card Travel Insurance Work?

Trade in Miles or Use Credits

Another way to enter fancy lounges for free is to redeem airline miles for a membership (you might also be able to redeem credit card miles vs. cash back to gain access). For example, you can redeem 85,000 United miles for a United Club membership, rather than paying the $650 annual fee. Since you are receiving less than one cent in value per mile redeemed, this is considered a poor use of your miles, but no judgment. If it works for you, go for it!

Fly in Business Class or International First Class

When you have a ticket in business class or in international first class, nearly every airline will give you a pass to an airport lounge. It could be a lounge branded by that airline, especially in their main hubs. But if you are traveling from a city with little service on that airline, you’ll likely get a pass to a contract lounge.

Befriend a Business or First Class Passenger

One of the great things about flying in international business or first class is that you will often receive a lounge pass that includes guest access. So if you are flying in economy class but have a friend or colleague with a business class ticket, he or she may be able to “guest” you into the lounge. Likewise, many Priority Pass Select memberships come with access for two guests. If you have a friend or family member with lounge access, you could possibly enter as a guest.

Claim Free Access for Active Military

If you’re an active duty member of the U.S. military, then you may have free access to some lounges. For example, both United and American offer free access to active duty military personnel and their families. However, they may require that you be in uniform and traveling on orders.

Recommended: Do You Need a Credit Card to Rent a Car?

Access Airport Lounges for a Fee

If you’re unable to access an airport lounge for free, you might consider paying for it. Here are some ways to do just that:

Buying an Airport Lounge Pass

Airport lounge memberships are available for sale, either through an airline that brands the lounge, or through a network such as Priority Pass Select. Memberships generally start at a few hundred a year, but discounts are available for those with elite status in the airline’s frequent flier program. If you’re saving up for a few upcoming flights, you might also consider stashing away the price of a lounge pass where you keep a travel fund.

Buy a Day Pass

Many lounges (but not all) offer day passes that can cost $50 per person or more. The Lounge Buddy app also sells discounted access to certain airport lounges. Depending on your situation — how much time you have to fill before your flight, whether you’re hungry or thirsty, whether you need a quiet place to work — this might be a good buy.

Upgrade Your Ticket

If you are on an international flight and are seated in business or first class, then you’ll already have access to the lounges. But rather than pay full price for these tickets, you may be able to book a less pricey class of service and then buy up to business class at check in, perhaps for just a few hundred dollars. Doing so will also result in a pass to the airport lounge.

The Takeaway

When you have to spend time in an airport waiting for your flight, the lounge can be a comfortable place to do it, with comfortable seating, free food and drinks, and other amenities that can make killing time feel luxurious. While it can be expensive to buy membership to a lounge, you may be able to access a luxury airport lounge for free, especially if you have the right credit card. Or you might be able to buy your way in for a modest fee by purchasing a day pass or trying another smart-traveler tactic.

Whether you're looking to build credit, apply for a new credit card, or save money with the cards you have, it's important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.

FAQ

Is it worth it to pay for airport lounge access?

If you’re taking a short trip and you want to arrive at the airport as close to departure as possible, then there’s no reason to pay for airport lounge access. But if you have a long layover in the middle of a trip or a long flight ahead, then lounge access can be worth paying for. Also, under certain circumstances, such as needing to finish a work deliverable before your flight, a luxury airport lounge is a much more comfortable place to work.

Which airport lounges are the best?

International first class lounges, where available, are often the most luxurious. The American Express Centurion lounges are also known to feature gourmet food and drinks. Some Priority Pass Select lounges have well-regarded food options, while others are pretty basic. Domestic airline lounges can be pretty spartan.

Which credit card is best for airport lounge access?

The decision of which credit card is best for airport lounge access will depend on personal preference but two options are well-known. The American Express Platinum Card offers access to Delta SkyClubs, Priority Pass Select, and American Express Centurion lounges. The Sapphire Reserve Card offers a Priority Pass Select membership that also includes credits at select airport restaurants.

Photo credit: iStock/andresr

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOCC0323027