loans

My parents and I are trying to work out the details of getting a car before I go to medical school. Has anyone dealt with a situation where you (the prospective student) get an auto loan cosigned with your parents before you get your financial aid package lined up? I am just worried that...

Does the MDSSP stipend affect how much you are eligible to take out in medical school student loans related to cost of living? I understand HPSP does because it is considered a scholarship, but I've found conflicting information related to MDSSP. Thank you!

Hi Everyone, After three cycles of applying to Clinical Psychology programs, I finally got accepted to one and recently started this year. While I am enjoying my program, the only caveat is that it's unfunded. I know there's a huge discourse surrounding not attending unfunded clinical programs...

Im in-state california. I'm hoping to apply to UCLA/UCSF next year because it's cheaper but they're also very competitive, so I was wondering, assuming I have to head towards privates, what would be the average debt since tuitions increase every year? Would it be possible to have 200-300k debt...

Ae there any people who have successfully had their loans forgiven at the end of 10 years of payments through PSLF and would be willing to offer some insight into their experience? What are some important considerations / things to know to be approved? I know some veterinary residency programs...

hey there! my name is Kevin and I have an interesting dilemma... about myself: child of immigrants who escaped the khmer rouge, have a hearing loss, ADHD, and grew up in a rural community. have shadowed derm, ent, family I graduated from a top public university in 2019 with a BS in Public...

I'll be matriculating when I'm 30. I've never had to take out private loans before so this is a bit of new territory. That said I feel I will have a hard time convincing a private lender to give me money under the premise that I'd be jobless and going back to school a few months after they give...

Hello! I am a senior in high school applying through UCAS to many of the UK vet schools 5 year bachelor of veterinary medicine and surgery. For context, UK vet schools allow some international high school leavers to go into their 5 year vet schools, and gain a BVMS (equivalent to DVM and all...

Hello everyone, I will be a Canadian student entering a DO program in the US starting in August. I was trying to find the best loan opportunities out there as well as scholarship opportunities. Which bank would you guys recommend? I had TD and CIBC in mind, but I guess it is up to whoever...

Looking to hear reviews/feedback on private loan servicers. I do NOT have the option of a cosigner. Credit score circa 600 but perfect payment history. Particularly interested in reviews of "Ascent" if anyone's used them. I've heard Sallie Mae requires a high credit score so I'm shying away...

I will be attending dental school this year and was wondering about my options for scholarships and paying back my student loans. I am not applying for HPSP due to reading other student's experiences with it. I am considering the NHSC scholarship because I already live in a rural underserved...

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Looking to get some perspective on a GradPlus loan I'm thinking of taking out this year. I would greatly appreciate any feedback. Normally, I only borrow only what I need. This year, due to the new lower 5.3% interest rate compared to last year's 7.08%, I was hoping to take out the maximum...

Hi everyone, I'm a first-year dental student. I received an HPSL loan (amount: 16 k) as part of my financial aid package. I also received direct unsubsidized loans aka Direct Stafford Loans (amount: ~45 k) and a hardship waiver of 3 k. My tuition and expenses are ~ 53 k for this year. I am...

Hi everyone, I am attempting to calculate my expenses for dental school and project what my total debt load might be upon graduation. I come from a lower income family, and am hoping I will qualify for the Health Professions Loan, which is subsidized and has a 5% interest rate. Can anyone who...

Hey everyone, I'm just curious how true this is, but I heard this both from someone who was externing and an attending at a program (both for OMFS) that you could work for a non-for profit hospital for 10yrs and make minimal loan payments and get your loans forgive (federal loans only) -...

Hi medical students, I was wondering if anyone who had their name on a mortgage could tell me about how it affected their ability to get a loan. I am concerned that having my name on a mortgage that I am co-signed on may affect my eligibility/increase my interest rates, does anyone have a...

I apologize in advance if I sound ignorant, but is the financial aid package we will be receiving just LOAN money? There's no "free" money, essentially. Everything we receive in our financial aid package will need to be paid back? Also, which type of loan (Direct Unsubsidized Loans, Grad PLUS...

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...

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...

I am looking to buy a home and recently learned of physician home loans that are open to PharmDs. Not all providers of this loan type are open to pharmacists - most are restricted to MDs, DOs, DMDs, DPMs, and veterinarians. I was wondering if anyone had advice on lenders that provided this...

Or does that debt hinder the chances of getting approved for private student loans for medical school? I just want to know before I get a bachelor's degree and spend all this time and energy getting into medical school, and then can't even afford it. I know I can automatically get subsidized...

Or does that debt hinder the chances of getting approved for private student loans for medical school? I just want to know before I get a bachelor's degree and spend all this time and energy getting into medical school, and then can't even afford it. I know I can automatically get subsidized...

SDN, VIN Foundation, and VBMA are offering a FREE webinar: Paying for your veterinary education is complicated. FAFSA, Direct Loans, Health Professions Student Loans, private loans, family loans, spouse support, savings, summer job -- how do you know which loans or resources are best to use now...

I have a situation and need someone who knows or has been through it. I am leaving IL to go to school in TN. My husband and our daughter are staying behind for her final senior year of high school. We have a mortgage and lots of debt plus car payments, utilities, etc. I am losing my entire...

I have run out of money during medical school, and I won't be able to make it through the summer. I talked to my friends and I think a big difference between them and me is that I have to pay $3000 for health insurance every year and $2400 every year for credit card debt (which I used to pay for...

Hi all. I am starting an ortho residency in a few months and trying to figure out how to pay for tuition for the residency. What have people used in the past and which of these would you suggest? I have started looking into the Wells Fargo Medcap Loan but curious if there are similar loans out...

Hi all, Is there an list of these accept 501 c-3’a out there for a new graduate? Also, I have heard a lot of hype in SoCial media about this program by getting accepted. Any thoughts/advice about tying for this after graduation? Is it possible to do service work for free for months out if the...

Hello everybody! I graduated in 2017 and I am about 2 years from my actual graduation date. That being said, I was able to show about two years of gainful employment and a solid income (did not go the residency route...but that should not matter for these purposes). At this point, I was able to...

Does anybody know if UAG certifies Sallie Mae loans for US students in the national (Mexican) program? Or is there a loan program (other than FASFA and Sallie Mae) that does? I've gone to CU here in Guadalajara and they have no idea what I'm talking about or keep redirecting me to the...

Does anybody know if UAG certifies Sallie Mae loans for US students in the national (Mexican) program? Or is there a loan program (other than FASFA and Sallie Mae) that does? I've gone to CU here in Guadalajara and they have no idea what I'm talking about or keep redirecting me to the...

Hi SDN trying to figure out financial things as I am applying for various gap year jobs. As many people on this site I am one of those soloing my finances, so I am just trying to run numbers. I know cost of living expenses can be covered via scholarships and/or loans, like food, books, rent...

Hey, Like many other interns, my loans are about to enter repayment. Unfortunately I did learn of the consolidating right after graduation so you can truthfully declare $0 income trick until it was too late. I filed taxes last year and my AGI is $0. When I go through with the IBR...

Hello everyone, My SO and I will have about 500,000 in loans between the two of us once it is all said and done (all federal, interest rate between 4-7% on all). I put these numbers into the loan repayment calculator and the numbers are super confusing. For example, how in the world will doing...

I was recently doing some math trying to calculate how much medical school actually costs, and the answer is kind of surprising. Assuming a student needs to borrow $60k per year in medical school and pays off the loans five years after residency, the student will spend approximately $360,000 on...

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Hi all, Did some searching and was unable to find anything particularly specific to my question, so here goes. I'm currently 27 (almost 28) and am finally in a position work-wise where I can potentially take pre-med courses part-time at my local college/CC and/or online while still working...

Hi friends. I'm going over the numbers for loans right now and it's a bit nerve wrecking. For those who are out of state or going out of state, are you planning to take the full loan amount? If not, how much would you try to cut out? What are you guys doing to minimize the debt? The questions...

So I am marrying a med student the summer before he heads to med school. He has no undergrad debt and I have a good bit of undergrad debt. He got lots of grants for undergrad based on his parent's financials. So my questions are: does he have to do this year's FAFSA in regards to us and not...

My fiancé and I are accepted to the same medical school, but I’m also accepted to two other schools that we would prefer to go to. I’ve been paying all of the deposits for all three schools in hopes that he gets pulled off the waitlist for one of the better ones. Now I’m getting financial aid...