loans

  1. J

    Anyone with NHSC Loan Repayment switched jobs?

    Has anyone with a 2-year full-time NHSC loan repayment commitment (not scholarship) switched jobs during the time period? I have read that - with approval - you can theoretically switch locations as long as the location to which you are moving has a high enough HPSA designation. Curious if this...
  2. D

    Married Medical students: file taxes seperately or joint?

    Hey guys...seeking advice on what to do about taxes. I know im close to the deadline here, so hoping to get some insight on what others are doing soon. My husband is non medical professional and im a 4th year about to graduate and start residency in June, i have heard if i file separately and...
  3. Piglet2020

    Medical School Loans

    Besides the federal loans offered from FAFSA that averages around 6-7% interest rates, are there other loans that have lower interest rates? Thanks! Pls provide link.
  4. @Hazel-rah

    *Financial advice*--selling house, buying vs. renting, and getting loans

    I just realized there is a separate finance forum, so I'm moving this post there! Please go read and share if you'd like! *Financial advice*-- M1 selling house-> buy v. rent & getting loans
  5. F

    Advice on Loans

    So I have been accepted into medical school this upcoming year and I am looking into how to pay for this. I know I am going to take out loans and I am looking into National health service corps stuff BUT in terms of loans: what loans are preferred, how do I apply for them, private vs government...
  6. MasterOfTheSelfie

    Federal AND private personal loans to support family?

    Hi everyone, I have recently been accepted to the school of my choice, but now I’m trying to figure out how to pay for my tuition and expenses. Briefly, my situation is that my wife is expecting a baby soon, and I would like to secure enough loan money to support them throughout school without...
  7. militaryPHYS

    All Branch Topic (ABT) HPSP with additional loans

    Does anyone have statistics on the number of HPSP members who incur debt during medical school? Also interested in the average total amount of debt that HPSP person leaves medical school with. Thanks!
  8. F

    multiple government loans options?

    Hi, I'm a Canadian planning on applying to US DO schools this year. But I am really worried due to the tuition costs!! I know people get provincial loans (osap) + bank loans + family contributions but is it possible to get multiple government loans like osap + federal loan + bank loan...
  9. 0ncogene

    $160K in loans went to collection. Please help!

    I borrowed around $160K in loans from my medical school university, who is now contracted with Heartland ECSI. I was not aware that they were sending me bills after my grace period, which ended about 7 months ago. I have not paid my loans for 7 months. It is in default and has been sent to...
  10. C

    Questions about PSLF

    Hi there! As a prospective dental student for the class of 2022, I am currently doing some research on game plans for how I am going to tackle student debt once I graduate. I know it is a ways off, but I was particularly curious about how hard/competitive it is to qualify for the PSLF program. I...
  11. I

    HOW DO YOU SURVIVE?!

    I didn't know which sub-forum to place this in, but here's a question: Upon actually getting in to medical school... How you survive 4 years of medical school without working? I know it seems like an easy question (just take out loans), but I've worked most of my adult life so far, and the...
  12. H

    Is it possible to afford vet school?

    Currently I'm working part time jobs while getting core classes done at community (to reduce debt). Getting my associates is taking a long time as it is, due to working so much. I already have taken out 7,000 in financial aid and am not even half way done my associates. My grades are amazing...
  13. E

    Heavy Expenses for Graduate School

    For those who have been, are, or will be in a similar situation as me, where you're worrying about copious expenses for graduate school: Please, help! This is my current situation: I just got accepted into the DPT program at Bond University in Australia and am trying to figure out how I am...
  14. R

    Question about loans and financial aspect of dentistry in the US for a Canadian student

    Hi I'm currently a 3rd year sciences student in Canada. My plan is to go into dentistry in Canada however the schools here are very competitive so I'm definitely going to be applying to a lot of USA schools as well. I've been looking at the fees for a lot of dental schools and I've seen ranges...
  15. A

    MUA and federal loans vs current premed program and private loans

    I was not a great student in my undergraduate years, mostly going part time and far from being able to be accepted to Ross, Saba, AUA, let alone a US DO or MD program. So I went the Caribbean route and accepted two offers. One from MUA's 2 semester premed program starting in January and one from...
  16. S

    Do I stay at USC or transfer to UAlbany?

    Hi all! I apologize for the long post, and would greatly appreciate any suggestions! I have currently finished my first year at USC (Southern California) as a human biology major. I am planning on finishing my premed requirements and applying directly to medical school out of college. Thus far I...
  17. N

    Use all extra income to pay off debt or save/invest some of it?

    What do you guys think? Is it smarter to use all your disposable income to pay off debt or should you stash some away in a savings account? Say you have 120k in student loan debt.
  18. G

    Worried about undergrad debt

    Greetings, I'm not sure if anyone else is on the same boat as me but I definitely feel alone on this one. Unfortunately, due to not qualifying for anything but loans, I will be graduating with about 100k (interest included) in student debt from undergrad. Yes, most of that consists of private...
  19. M

    Anyone else in the 400k+ debt bandwagon after the 2016 cycle?

    Well title says it all. I was an average applicant and took my state's private school (NYU) which costs around 400-430k and kinda stressed about. Anyone else dealing with similar numbers? I heard some people say they'd rather give up on dentistry than go into that level of debt so it's kinda...
  20. S

    PUblic service loan forgiveness

    Hi, So I graduated medical school and now work as a clinical trial coordinator making $40K. I have saved up 30k. I am one year into the pslf program (9 to go) and owe $190000. Should I repay some of my loans or wait 9 years (at a bad job) for loans to be forgiven?
  21. AcornFactory

    Are the decks stacked against low income pre-med students with few resources?

    Becoming a doctor is a deep desire for me. I can't imagine being anything else. I adore the human body and I'm fascinated by pathophysiological processes. I want to serve my community in the fullest sense and I believe that I can best do this by becoming a physician. But I'm barely scraping by...
  22. B

    So many loans... feeling nervous

    Hey guys, I was wondering if anyone could provide advice/guidance/insight about this... I was accepted to one school with a tuition of ~55k and total cost of attendance ~75k per year, so it looks like I will have ~300k debt after 4 years. I received no need-based aid even though my family's...
  23. M

    Private or GradPlus?

    I am interested in seeing what people think/have done in terms of private loans vs GradPlus loans? I want to look into private loans but my university is really pushing GradPlus loans - I am not sure this is the direction I want to go in since their interest rate is fixed and is most likely...
  24. Panis et Circenses

    A Video Explaining Why College (DENTAL SCHOOL, I’M LOOKING AT YOU) Is So Expensive

    This video was aimed at undergraduate degree seekers, but the same principles of why school is so expensive apply to dental school. There are a few differences between what the video says about undergrad and dental school, including the following: Dental school prepares you for a job (unlike a...
  25. JungleeBilli

    2017-2018 DACA Medical School Application Thread

    I have noticed a few of us here and there on SDN but I know that many of us, like myself, have a million and one questions about the application process and what our chances are. Fortunately, the number of schools that claim to accept applications from DACA applicants is increasing and the...
  26. A

    Loan advice + Specializing?

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  27. H

    Institutional Aid

    SDN, I'm over 26-years old and independent. My parents are married and haven't claimed me as a dependent on their taxes for a long time. I've been accepted to an MD program and have taken the following steps below for financial aid from the government: Submitted FAFSA Submitted MPN for Federal...
  28. L

    Navy Navy Reserve in MD school (Not HPSP, etc.)

    I am interested in serving in the Navy Reserves during all 4 years of medical school. I am already accepted into medical school, ready to start in August. Likely career will be physical medicine and rehabilitation. I have no prior military experience. I am NOT applying for HPSP because I do...
  29. P

    How to pay rent during medical school

    I have no guarantor and have never had a credit card before. My parents were originally going to be helping me A LOT, but that's no longer the case. I will be using student loans to pay for rent once I start med school in July. How do I go about finding an apartment willing to rent to me?
  30. T

    Grad PLUS vs Discover Loans

    Right now I am looking into getting a Discover Health Professions loan instead of a Grad PLUS loan to cover COA over the Stafford limit. The interest rates are approximately the same except the Discover loan has no fees (my understanding is Grad PLUS is currently at 4.72%) and Discover also...
  31. 7

    New Grad buying a Dental Practice

    So I was reading the "Lets buy a Dental Practice" thread by Hammer and it was pretty interesting but I still have a few questions about the whole process. Is it feasible for a new grad 1 year out of Dental School to buy a million dollar practice and would a bank loan over 700k for that...
  32. Old at heart

    VA EDRP Question

    Hi, I'm in a position that was approved for EDRP and am currently working on the application. It is unclear to me at this point whether my undergraduate loans (also in psychology) will be eligible, or if it only applies to the loans I incurred as part of my PhD program. Does anyone have...
  33. A

    Accepted to two private schools, need advice!!

    So I have been accepted to Western U and Roseman and am really torn now that the excitement has worn off and the price tag shock has really kicked in. I'm working on applying to a 3-year HPSP (missed the 4-year deadline) and hopefully the NHSC as well. Being that there are no guarantees to...
  34. S

    Federal Subsidized Ungrad Loans

    Hey, If I get into Dental School, I will defer all of my Undergrad loans. Will my subsidized loans gain interest during school deferment? Or are these loans just subsidized for my Undergrad career? Sorry if this a dumb question. My financial consoler at school is booked for a week, and the...
  35. H

    Public Service Loan Forgiveness 2017

    OK 4th year students about to match and blah blah blah. Time to think about loans and debt. What is the current status of PSLF? I'm seeing differing information on whether PSLF money that is forgiven at the end of the 10 years is actually taxed or not. Is there a cap on the amount of...
  36. Filius

    Canadian federal loans: worse rates than bank lines of credit?

    Hi all, Canadian wrapping up med school in the States---took all my loans out from: (1) Canada Student Loans: prime + 2.5% (2) Alberta Student Loans: prime + 0% (3) TD line of credit: prime rate + 0% (!!) Now that I'll (almost) be making an income again, it's time to start figuring out a...
  37. M

    Question about REPAYE vs PAYE in unique situation

    Hi all, I have a question about the best loan repayment plan for my situation. I searched the prior forums and couldn't find this situation precisely so I was hoping someone could help me sort out some of these issues. I have been trying to collect data about this decision and have found it...
  38. D

    Practicing Dentist -- Be Aware of Finances

    Dental school is not a good financial decision. The cost of attendance they hand you is about 30% lower than it will actually be because it doesn't include accrued interest, tuition increases, or origination fees. Here is the truth. I have practiced for over 15 years living paycheck to paycheck...
  39. F

    Funding for Post Bacc Through Military

    Hey Guys! Just wondering if anyone had any insight on this. My parents refuse to co-sign any loan, so I'm trying to find another way to pay for a post bacc. Do you guys know if the military has options either during active duty or for post active duty in terms of funding for additional...
  40. OTwannabe2017

    Program-Specific Info / Q's LIU BS/MS loans

    Hi everybody! I was accepted into LIU's BS/MS OT program and am wondering how loans work since the program starts out as a BS program. Does anybody know how long you are considered an undergraduate student/ does anybody have information regarding loans? My specific concern is that since I will...
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