How does "OPM" or other people's money actually fund dental cases for Type 3 patients? Through several mainstream financing paths that put substantial sums within reach of patients who otherwise could not write a single check. Home equity loans have historically been one of the largest sources, allowing homeowners to tap accumulated property value at relatively favorable rates to fund major treatment. Tighter post-recession lending standards have temporarily reduced this channel for some patients but it remains viable for many. Personal lines of credit and unsecured medical financing products like CareCredit and similar specialty lenders cover a substantial range of mid-sized [...]