Dentist sues state agency over student loan forgiveness

AUBURN — A Lisbon dentist is suing a state agency, claiming it broke its promise to forgive her student loans if she performed dental care in an under-served area in Maine after getting her license.

Dr. Kristina Lake filed a complaint last week in Androscoggin County Superior Court with attorney Jason Dionne of Lewiston. The suit said she enrolled in 2004 in a four-year dental school program at the University of Connecticut School of Dental Medicine. To help finance her degree, she researched the Maine Dental Education Loan Program.

Under the terms of the program, she would be forgiven 25 percent of her original outstanding indebtedness for every year she were to perform dental care in a part of Maine that has few dentists.

Before she committed to the program, Lake said she spoke to a representative for the Finance Authority of Maine, which oversees the program. That person, she said, confirmed that the debt forgiveness program had no minimum work hour requirements, she says in her lawsuit.

Lake enrolled in the school, borrowing $20,000 per year from the state agency for four years, accruing $80,000 total in student loans. According to a contract signed by Lake and F.A.M.E., 25 percent of the original loan amount or the total outstanding debt , plus interest, would be forgiven for each year she were to "practice primary dental care in a dental care facility in an under-served area."

Lake wrote in her complaint that she finished dental school in 2008 and started practicing dental medicine in June 2008. The type of dental facility where she would have to work was spelled out in the contract. In May, F.A.M.E.'s attorney notified Lake that the agency wouldn't honor the contract because she wasn't a full-time employee at that facility, Lake wrote in her lawsuit. Neither the guiding state law nor F.A.M.E.'s regulations require that the person be a full-time employee.

Besides suing the agency for breach of contract, Lake claims the person who represented F.A.M.E. when she asked about minimum work hours negligently misrepresented the agency's program.

Bill Norbert, a spokesman for F.A.M.E., said the agency doesn't comment on pending litigation. 

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Displaying comments, from newest to oldest

ojhuig's picture

It sounds to me like she is

It sounds to me like she is the one running a scam. 80K in student loans forgiven, and not even working full time? She should be ashamed of herself.

countrygal's picture

the article says that she is

the article says that she is not working full time in under privledged area, that does not mean she isn't working full time at a practice on top of that. maybe you should be ashamed of yourself for jumping to conclusions.

johnshaven's picture

The state law says the

The state law says the dentist is eligible for repayment "as long as the applicant continues to serve as a practitioner of dental medicine in an under-served population area." Also it says that they must "serve all patients regardless of ability to pay through insurance or other payment source."

johnshaven's picture

For dentists FAME pays back

For dentists FAME pays back a maximum of $80,000 plus interest in student loans, at $20,000 per year for four years, to provide dental services regardless of a patient's ability to pay. For most young dentists that's a very bad deal, so not surprisingly this woman is upset that she was essentially enticed into a scam by FAME. Also medical students who are deemed “likely to practice primary care in under-served areas of Maine” can get $5,000 per year, and one veterinary student per year who “expresses a serious interest in practicing large animal veterinary care in an under-served area” receives a single payment of $12,000.

tron's picture

I think you are under the

I think you are under the wrong impression about this program. It was never intended as a grand giveaway to anyone who wanted to become a dentist, to be taken advantage of, as in this instance. It was intended to try to help people who wanted to become a dentist AND provide low income dentistry which is so sorely needed in this state. Then perhaps once in practice people might stay. Most don't, but at least they get four years. And these dentists are paid, maybe not as highly as in private practice, but if you add on the 20K plus interest, AND they get the loan paid off in four years instead of twenty, not a bad deal at all.

spoken.integrity's picture

I believe there is more to

I believe there is more to this story, stay tuned.

lead dog's picture

It seems like FAME screwed

It seems like FAME screwed up and Dr. Lake found a loophole that allows her to do less than the program expected. FAME should eat this one and consider it a learning experience. If they don't like what is happening they can rewrite their rules for future participants in the program.

normoose's picture
verified

She met all qualifications

She met all qualifications that are in place and checked with the right people so how many hours or being a full time employee does not apply. She went through the proper channels although, every story is not complete, especially when litigation is involved.

Nancy1's picture

This story seems incomplete.

This story seems incomplete. I'd like to know how many hours she was working, regardless of whether she was full-time there. Lots of places won't hire full time these days, but will schedule you for just under 40 hours. How difficult is it to find a place that meets the guidelines that is also able to hire someone full time?

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