debt

Writing as a 3rd time applicant who is exhausted with rejection. Was waitlisted at my instate (virginia-maryland) #10 on the MD list and i honestly don’t foresee me getting a spot. My only acceptance was Ross for January start date. Feeling really conflicted as i don’t have the energy in my soul...

This cycle has been both exciting and disappointing for me. I am very lucky to have received acceptances from vet schools except for my IS school (waitlisted, but unlikely to get off). My other struggle is that I need to report my parents' salaries based on my age, but I will not be receiving...

Hey Folks, First post, so apologies if you've answered this several times. I couldn't find too much with my specific scenario, so thought I'd bother y'all. I turn 35 in 3 days and have been kicking around the thought of dental school since I was 25. Each year I think the feeling will go away...

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I am a career changer. I got a BA in Sustainable Agriculture and I worked mostly with animals after college I’m now working as a vet assistant. I really want to go to veterinary school but I’m already 20k in debt and I still have 2 years worth of prerequisites to take before I can apply. It...

Would I Enjoy Being a Dentist? I recently was accepted to a dental school and I estimated my total cost of attendance to be $230K. I know what you’re probably thinking… if I’m questioning this, I should run away from this field. The thing is, I realistically don’t see myself doing anything...

Hi, I'm applying this cycle and the idea of student loans and being in 130k+ of debt has been on my mind a lot recently. does anyone know of cheaper programs/programs that typically offer good financial aid or merit scholarships to incoming first years?

Lets start with the general state of the profession: The field is getting saturated and will require you to move to a more rural setting to find a job that pays more than $120K. Insurance reimbursements are cut year-after-year, making you have to work harder to collect compensation over...

For someone that likes both fields equally, how would you objectively compare these two fields? Looking for comparisons in regards to financial outlook, job outlook, work-life balance/schedule, work environment, politics, prestige/respect, etc. I will practice either profession in Florida. Keep...

https://bloggerdds.weebly.com/blog/dentistry-sucks This post makes it seem like being a dentist is horrible. The the points that scare me the most are the financials. Do you really only make $100,000? I don’t particularly plan to open a practice, and I will be going to a dental school that is...

*Open to anyone’s thoughts. Seeking those with firsthand experience.* Going to Graduate as a Quadruple Amputee from a Private DO school in 2025. (both arms and legs = $450,000). I am almost totally set on FM. Also never considered opening my own practice until speaking with other practice...

Fellow non-trads, I am a 28 yo M looking to matriculate for Allopathic MD school, Fall 2023. I was an English/philosophy major in college who circled back around to science to get an MS in epidemiology, with 1 year of courses into a PhD in the same. I took an "extended leave of absence"...

Hello, I would love to have current dentists, dental students, and pre-dental students to weigh in on my financial situation as it pertains to dental school and loan repayment. I am a 21-year-old male who will be starting my D1 year this fall. My estimated cost of attendance is ~$375,000 not...

Hi everyone, thanks in advance for chiming in! I'm very interested in getting different perspectives on this decision, especially from residents, attendings, and possibly PDs, given that Step 1 will be P/F by the time I take it. Some general info about my background/interests/goals: from GA...

Hi there! I am starting dental school this summer which is super exciting but unfortunately I have about $10k left in debt. This was a result of two cycles, dental assisting classes, and traveling for interviews. I know it was an investment. I was hoping my current job would have paid all of it...

Hello all, I have recently been accepted into a podiatry program starting this fall. I am a non-traditional student and have worked for a few years prior to applying to podiatry school. I have saved up just about enough to pay out of pocket for my tuition and living expenses over the course of...

So as the title of this and many other threads I am wondering what other people might do in their opinion if given these options. So at the moment, I have only been accepted into very good expensive private schools with their location being in Philly and New York. At the moment, I have not...

Hi all. I am looking at options on my student loans and after lots of consulting and researching, I can't understand why anyone who qualifies would not use REPAYE or especially PAYE plans for debt that exceeds a certain amount (depending on income, perhaps somewhere around 35k+). If you qualify...

OK, I know this is a long post, but if you’re considering pursuing an unfunded PsyD, you may want to read this because detailed first-person accounts of PsyD debt are rare. I know that my case is not representative, but I want to talk about money because very few of my peers/colleagues do/did...

How do students pay for non billable expenses such as transportation, books and supplies, and other random stuff. My school estimates it will be 10,000 dollars a year for this stuff. I only have enough money saved for one and a half semesters. What do you do when you run out of your savings?

Hello members, I seem to be paralyzed in making my decision on pursuing PT... I went on a detour after I completed UG as a pre-PT; will turn 26 next month. I have an acceptance to a PT program starting Fall 2019. However, the debt-to-income ratio is driving me insane. I got my tuition down to...

As a preface my girlfriend and I have been together for about five years now, we survived three years of long distance in undergrad, have a dog together, and have been living together happily for the past year. We are in no rush to get married but live a committed lifestyle in which we are both...

According to the Yale School of Medicine website, the unit loan – how much med students receiving need-based scholarships are expected to borrow – is being reduced from $23,000 to $15,000 per year for all students beginning in the 2019-2020 academic year. A reduction from $30,000 to $23,000 went...

What happens when you have 200k loan and you fail your finally exams of getting a license to practice in US.. is there any chance to do the exams again and again ?

Hey guys! This is for any current, past, or future vet students - I'm looking for advice/opinions/words of wisdom. So I have been a competitive horse person all my life. I ride everyday even now. I just got accepted to my first school (yay!) and I'm already thinking/worrying about the...

Hey so I was hoping I could get some advice on my current situation. I am 25 years old, and I recently got accepted into the pre vet program at Ross. I have always wanted to be a vet but unfortunately I never put in the effort when I was in college to get a high enough GPA to get accepted into a...

I am referring to those programs listed here: https://www.ada.org/~/media/ADA/Education%20and%20Careers/Files/dental-student-loan-repayment-resource.pdf Some of these loan repayment programs seem really great to me (ex: Illinois provides 120k towards loans for 3 years, Delaware provides 70k for...

Hi everyone. I am from Canada and I completed my undergrad last fall. I did fairly well but my GPA was not high enough to get me admitted into Dental schools in Canada, although it is competitive for US and Australian schools. I have also written the DAT and have hundreds of hours of volunteer...

I am interested in emergency medicine/surgery. so I know I can pursue those specialities with the HPSP. However, I am concerned about my career after I fulfil the 4 years. Will there be limitations when I return to civilian healthcare? will I be at advantage/disadvantage? Are there any strings...

Hey guys, In a bit of a pickle - just doing some math (and stressing myself out like crazy)... If I were to go to my in-state dental school (Rutgers), I'd still be in a pickle of $250,000 - and if the dream of specializing comes true - about $350,000 total. Now, that's minus the interest and...

Hi, I am beginning my MSW in the fall and having SERIOUS doubts. I have worked in the mental healthcare field for over four years- a good deal of that time in case management roles, and I am feeling beyond burnt out. Even feeling bitter and taken advantage of by clients using our services. I’m...

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Hey friends, My school recently started requiring summer term tuition payment since internship doesn't end by the end of our spring term (May). I am wondering about the ethics of the recent change. It requires students to take on more debt for an internship end date that is outside of our...

I appreciate all the feedback and input, Thank you. My question has been answered.

Hi all! I've been sorting out my list of schools to apply to and I'd really appreciate any feedback. Quick facts about me: California resident, probably want to practice in California as well. I'm not sure if I'd like to specialize but I'd definitely like to keep that option open (perio and...

I fell head over heels in love with Vanderbilt's program, both during the interview and the second look weekend, but they came through with a really weak financial aid package for me. Now I'm more seriously considering UVA, which I don't love quite as much and isn't as well-ranked, but it's...

I'm currently deciding between doing an MPH in Biostatistics/Epidemiology at the University of Arizona vs. a MSPH at Johns Hopkins in the department of international health, with a concentration in global disease epidemiology and control (GDEC). I'm well aware that JHU is pretty much the best...

Okay...so long story short. always wanted to be a doctor blah blah blah. 22 year old now graduated w/ 3.6 in bio, 497 score. didnt get in the first time applying with my 495 score. Now recently got into a DO program. Was super excited, so happy that all my hard work paid off, all my student...

Although I am waiting to hear back from University of Denver's PsyD program, I'm worried about the tuition. It's $62,000 a year. Is it even worth it? I was accepted to Florida Tech and their tuition is $29,000 a year. Can I justify DU's price??? Anyone attending a costly PsyD program, and if so...

Hi there, I've been extremely lucky enough to be accepted to a top 1-year post-bac program with linkage opportunities. For a variety of reasons, I followed a different track in life, and am currently seeing success in the business world. I'm comfortable financially and happy in my role. Though...