repayment

  1. I

    Public service loan forgiveness

    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...
  2. J

    Refinancing Loans

    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...
  3. frosted2

    Repayment options?

    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...
  4. 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...
  5. M

    Loan Repayment for Working in Low Income Area.?

    Kind of a dumb question, but what is the program called where you work in a low income area for 4/5 years and they pay off your student loans? I continually hear about this and have no clue what it’s called. Do you have to apply for this before dental school begins? (I’m assuming it’s very...
  6. F

    2018 Whitehouse Budget to remove PSLF...

    Something to watch out for: Current 2018 Whitehouse Budget proposal is planning to eliminate PSLF and consolidate all IBR to a single method. Pg 140 https://www.whitehouse.gov/sites/whitehouse.gov/files/omb/budget/fy2018/msar.pdf
  7. 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...
  8. 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...
  9. H

    Paying back Loans, Re-financing, etc from a starting attending...

    Hi guys and gals, I just graduated from residency and will be starting my new job in FM. My wife does not work at this time but will be doing so (she is a non-physician; once she starts work, anticipate 30-40k/yr for her). My salary will be roughly 248k/yr, anticipate losing half in taxes...
  10. I

    Budgeting COA and personal expenses

    I am currently a pre-pharm student, but my academic advisor has advised I look into med school several times. I am currently at a 3.8 with lots of extra curriculars, volunteering, one of several pre-health club student leaders, and working as a pharmacy tech. I am enjoying what I am doing and...
  11. T

    NHSC- your experiences

    Hello! I have recently been accepted into med school and have been working on my NHSC Scholarship application. I have not submitted yet but would really appreciate some honest feedback on your experience with the process such as: are you generally happy with your repayment location? Were you...
  12. F

    Loan Repayment for Emergency Medicine, Radiology, or Pathology?

    I'm still in high school so these specialties aren't definite, but I figured this forum would be better as the question would be answered by people with experience. I was very interested in getting loan repayment through working in an undesired area, but it appears that only those in primary...
  13. M

    Loans after BS

    So.. quick question. I am a Junior in college currently going abroad Fall 2016-Spring 2017 (a whole academic year). Being abroad it will be simply hard to apply to dental school that June 2017. Therefore, I plan on applying June 2018 (Once I graduate college). My questions is.. Since, I am...
  14. D

    Loan Repayment Plans

    Hello All! I am a 4th year medical student graduating in May and am now starting to look into the different repayment plans for my loans. I was directed by the financial aid office at my school to a repayment calculator at studentloans.gov...
  15. X

    Do NOT go into Dentistry - Trust me it is SATURATED

    So - I'd like to begin by first saying that this is a throwaway, because I don't really feel like having any of you discover who I am - (never underestimate the power of the internet. Dentistry is a very “front” facing profession. Your mug will be plastered on the website of whatever office you...