Make your dreams a reality in Canada as an internationally trained dentist

Make your dreams a reality in Canada as an internationally trained dentist

Prep Doctors and Windmill Microlending have come together to offer financing, coaching, and mentorship for your training costs.

Get up to $25,000 to finance courses for AFK, ACJ, and NDECC, NDECC-Situational Judgement components with Prep Doctors, the leading dental training and support services provider in Canada.



More than just a loan

As a Windmill client, you benefit from a range of services, including:

  • One-on-one coaching to support you on your career path
  • Career and educational resource supports
  • Financial planning and budgeting tools
  • The Windmill Mentorship Program
  • Exclusive access to our Community Success Hub

Choose a financing option with the same payments each month
Start your application today


How can I get this Cost+ ZERO financing?

Step 1: Register with Prep Doctors to receive your student number

Step 2: Apply for your Windmill Cost+ ZERO loan

Step 3: Windmill will pay Prep Doctors directly for your prep courses

Step 4: Pay Windmill in equal payments each month


What is the Prep Doctors–Windmill Financial Aid Package?

This financing option gives candidates the ability to prepare for their Canadian dental equivalency exams with Prep Doctors with an affordable payment schedule.

There are two distinct products:

  • Theory prep Financing offers candidates financing for preparation for the first two exams of the Canadian dental equivalency process (AFK and ACJ).
  • NDECC prep Financing gives candidates all the courses, practice, and simulation exams needed to clear the final exam (NDECC).

How do I know if I qualify?

  • You are an internationally trained dentist with a dentistry degree from any country except the United States, Ireland, New Zealand, or Australia.
  • You have the status of Permanent Resident, Canadian Citizen, Provincial Nominee, Protected Person, or Convention Refugee in Canada.
  • You should be residing in Canada.
  • You are registered with Prep Doctors and have a trainee ID number.

What do the packages include?

  1. Theory prep financing
    AFK and ACJ* courses and mock exams. Windmill will provide financial assistance to fund the education and wrap-around supports in the form of client success coaching, financial literacy, and mentoring.
    *If the candidate is unsuccessful on their AFK exam, ACJ will be replaced by an AFK Crash Course.

  2. Practical prep financing
    A full NDECC preparation journey including 6 months of clinical skills courses and practice, 6 months of situational courses and practice, 1 month of pre-exam practice, and 2 full simulation exams.
    Windmill will provide financial assistance to fund the education and wrap-around supports in the form of client success coaching, financial literacy, and mentoring.


What is the cost of the AFK + ACJ Cost+ ZERO Program?
The cost of the program is $9,200 plus applicable taxes. This would be paid back over 12 months in 12 equal monthly installments of $766.67 plus applicable taxes. The price of the product would be the same if a student purchased the courses directly from Prep Doctors without applying for cost-plus financing.


What is the cost of the NDECC Cost+ ZERO Program?
The cost of the program is $23,500 plus applicable taxes. This would be paid back over 18 months in 18 equal monthly installments of $1,305.56 plus applicable taxes. The price of the product would be the same if a student purchased the courses directly from Prep Doctors without applying for cost-plus financing.


What is the Annual Percentage Rate (APR)?
For our cost+ loan, the APR is 0%.


What is the difference between this and the Windmill-CIBC financing product?
This is a short-term fixed-amount program for only students at Prep Doctors. If you want to know more about Windmill-CIBC financing, please visit Windmill-CIBC Financing.

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