All this work to just not finish school

[lostguyy]

Hello, my story is long but I'll try to make is short. I started at an unspecified allo school 7 years ago. I finished 1st year without any problems but when 2nd year started my head wasn't in the game and my grades suffered. I went from making A's and B's to possibly getting F's. My dean recommended that I withdraw from 2nd year and start fresh the following year which I did. I started 2nd year again and finished including taking and passing my Step 1 exam. I started 3rd year and 3 months into it I was in a car wreck that left me immobilized for months. I ended up taking the year off again for the second time!!! I then picked up 3rd year where I left off and finished without problems. I took and passed my Step 2 exam during the initial weeks of my 4th year along with some easy courses. At some point here I don't know what happened. I fell into a deep depression where I basically just quit going to school. It was like Ron Livingston in "Office Space" where I just dug myself under a rock and quit going. Part of the reason was because I found out I was short a few credits and wouldn't have graduated until the following December anyway thus missing the Match for that year. So I decided in my stupid thought process that I would just finish my 4th year with the rest of the 4th years that would be graduating the following year. Well when July rolled around for me to begin I found out my financial aid was exhausted and that some of my loans were beginning to mature. I couldn't enroll because I didn't have tuition $$$ and my loans couldn't get deferred because I wasn't enrolled as a student. Its now a year later and I've been sued by one loan company who won a judgment on me which means they can garnish any wages I have, seize some of my personal property, levy my bank account, ect. I have a young child and my wife is the only one working right now for fear of wage garnishment plus we can't afford daycare. We're barely making it as it is. My only option here is to finish school but I don't know how. Can I finish at another school? Join the military? go to a non -US school to finish? I know my Step scores are good for 7 years but what about my coursework?? I know I passed my schools 6 year limit to graduate. I know I should be flamed but Im honestly looking for help here. Any input will be greatly appreciated, good or bad. I'm out this mental rut I was in and just want to make things right. Let me make it clear that drugs or EtOH had no role in my downfall because thats what I would be thinking. I honestly would have been better off just not going to medical school but it's too late for that now. I love medicine and want to finish what I started but I hope it's not toooo late.

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[Perrotfish]

Hello, my story is long but I'll try to make is short. I started at an unspecified allo school 7 years ago. I finished 1st year without any problems but when 2nd year started my head wasn't in the game and my grades suffered. I went from making A's and B's to possibly getting F's. My dean recommended that I withdraw from 2nd year and start fresh the following year which I did. I started 2nd year again and finished including taking and passing my Step 1 exam. I started 3rd year and 3 months into it I was in a car wreck that left me immobilized for months. I ended up taking the year off again for the second time!!! I then picked up 3rd year where I left off and finished without problems. I took and passed my Step 2 exam during the initial weeks of my 4th year along with some easy courses. At some point here I don't know what happened. I fell into a deep depression where I basically just quit going to school. It was like Ron Livingston in "Office Space" where I just dug myself under a rock and quit going. Part of the reason was because I found out I was short a few credits and wouldn't have graduated until the following December anyway thus missing the Match for that year. So I decided in my stupid thought process that I would just finish my 4th year with the rest of the 4th years that would be graduating the following year. Well when July rolled around for me to begin I found out my financial aid was exhausted and that some of my loans were beginning to mature. I couldn't enroll because I didn't have tuition $$$ and my loans couldn't get deferred because I wasn't enrolled as a student. Its now a year later and I've been sued by one loan company who won a judgment on me which means they can garnish any wages I have, seize some of my personal property, levy my bank account, ect. I have a young child and my wife is the only one working right now for fear of wage garnishment plus we can't afford daycare. We're barely making it as it is. My only option here is to finish school but I don't know how. Can I finish at another school? Join the military? go to a non -US school to finish? I know my Step scores are good for 7 years but what about my coursework?? I know I passed my schools 6 year limit to graduate. I know I should be flamed but Im honestly looking for help here. Any input will be greatly appreciated, good or bad. I'm out this mental rut I was in and just want to make things right. I honestly would have been better off just not going to medical school but it's too late for that now. I love medicine and want to finish what I started but I hope it's not toooo late.

First, have you talked to the deans at your school? What was their response

 

[richse]

Hello, my story is long but I'll try to make is short. I started at an unspecified allo school 7 years ago. I finished 1st year without any problems but when 2nd year started my head wasn't in the game and my grades suffered. I went from making A's and B's to possibly getting F's. My dean recommended that I withdraw from 2nd year and start fresh the following year which I did. I started 2nd year again and finished including taking and passing my Step 1 exam. I started 3rd year and 3 months into it I was in a car wreck that left me immobilized for months. I ended up taking the year off again for the second time!!! I then picked up 3rd year where I left off and finished without problems. I took and passed my Step 2 exam during the initial weeks of my 4th year along with some easy courses. At some point here I don't know what happened. I fell into a deep depression where I basically just quit going to school. It was like Ron Livingston in "Office Space" where I just dug myself under a rock and quit going. Part of the reason was because I found out I was short a few credits and wouldn't have graduated until the following December anyway thus missing the Match for that year. So I decided in my stupid thought process that I would just finish my 4th year with the rest of the 4th years that would be graduating the following year. Well when July rolled around for me to begin I found out my financial aid was exhausted and that some of my loans were beginning to mature. I couldn't enroll because I didn't have tuition $$$ and my loans couldn't get deferred because I wasn't enrolled as a student. Its now a year later and I've been sued by one loan company who won a judgment on me which means they can garnish any wages I have, seize some of my personal property, levy my bank account, ect. I have a young child and my wife is the only one working right now for fear of wage garnishment plus we can't afford daycare. We're barely making it as it is. My only option here is to finish school but I don't know how. Can I finish at another school? Join the military? go to a non -US school to finish? I know my Step scores are good for 7 years but what about my coursework?? I know I passed my schools 6 year limit to graduate. I know I should be flamed but Im honestly looking for help here. Any input will be greatly appreciated, good or bad. I'm out this mental rut I was in and just want to make things right. Let me make it clear that drugs or EtOH had no role in my downfall because thats what I would be thinking. I honestly would have been better off just not going to medical school but it's too late for that now. I love medicine and want to finish what I started but I hope it's not toooo late.

Something about this story doesn't add up. Every school I know of lets you enroll and then apply for the financial aid to pay your tuition. If everyone had to come up with the cost of tuition before enrolling there would be riots.

 

[WellWornLad]

Something is missing here. If you just flat-out stopped going to classes I don't see how any medical school wouldn't have kicked you out. That would explain why your loans suddenly matured, anyway.

You've ****ed up at multiple levels here. I think you can forget about medicine. Even if you found a school willing to take you (which would mean repeating 3rd and 4th year, if not the entire 4 years), you will never get a loan, federal or private. I don't know much about the military, but I'd be surprised if they'd fund you either.

As for your loans, going into default was just about the worst move you could have made. Did you even try to work things out with your lender? Forbearance? Income-based repayment?

And you're not working because you're scared of being garnished, yet you're "barely making it"? I'm no math whiz, but a garnished paycheck is worth more than nothing.

Given the colossal depth of the pit you're in, there's a slim-to-none shot you could get your private loans reduced in bankruptcy (closer to none than slim). Other options include living with garnished wages, moving permanently to another country, or faking your own death.

 

[mdeast]

You've already done a few credits shy of getting your MD degree. I'm sure you can work it out with your medical school to finish those last few credits and get your MD at minimal cost. You've invested enough money, time and energy into this path...you might as well finish it with a lot of debt and a degree than with a lot of debt and nothing to show for it.

I wouldn't suggest trying to apply to a residency program at this point, mainly because I get the sense you don't think you can handle the stress and you don't think your heart is in it. You can leverage a MD to enter other fields (journalism, consulting, pharmaceuticals, biotech, clinical trials, etc.). You might want to look into those fields if for nothing else...means to not go hungry and to be able to pay back your loans. Federal loans carry an income-based repayment schedule as well. Look into that...your loans will be forgiven after 25 years of payments.

 

[gman33]

As above, talk to your dean's office ASAP.
If they don't give you their blessing, you won't go finishing up there or anywhere else (at least in the US).

If you have all the "mental" issues worked up, get back on the horse.
In any case, it's probably best to finish up the degree if possible.

If you get back in school, your loans should be deferred again.
Not sure since you already defaulted and have a judgement issued.
If you can't get aid for tuition, try to beg anyone for some loans.
Family, friends, banks or a combo of all.

Getting a residency might be tough, but maybe not if your school really supports you. Just having the degree should at least open up some opportunities for employment.

 

[OveractiveBrain]

Hello, my story is long but I'll try to make is short. I started at an unspecified allo school 7 years ago. I finished 1st year without any problems but when 2nd year started my head wasn't in the game and my grades suffered. I went from making A's and B's to possibly getting F's. My dean recommended that I withdraw from 2nd year and start fresh the following year which I did. I started 2nd year again and finished including taking and passing my Step 1 exam. I started 3rd year and 3 months into it I was in a car wreck that left me immobilized for months. I ended up taking the year off again for the second time!!! I then picked up 3rd year where I left off and finished without problems. I took and passed my Step 2 exam during the initial weeks of my 4th year along with some easy courses. At some point here I don't know what happened. I fell into a deep depression where I basically just quit going to school. It was like Ron Livingston in "Office Space" where I just dug myself under a rock and quit going. Part of the reason was because I found out I was short a few credits and wouldn't have graduated until the following December anyway thus missing the Match for that year. So I decided in my stupid thought process that I would just finish my 4th year with the rest of the 4th years that would be graduating the following year. Well when July rolled around for me to begin I found out my financial aid was exhausted and that some of my loans were beginning to mature. I couldn't enroll because I didn't have tuition $$$ and my loans couldn't get deferred because I wasn't enrolled as a student. Its now a year later and I've been sued by one loan company who won a judgment on me which means they can garnish any wages I have, seize some of my personal property, levy my bank account, ect. I have a young child and my wife is the only one working right now for fear of wage garnishment plus we can't afford daycare. We're barely making it as it is. My only option here is to finish school but I don't know how. Can I finish at another school? Join the military? go to a non -US school to finish? I know my Step scores are good for 7 years but what about my coursework?? I know I passed my schools 6 year limit to graduate. I know I should be flamed but Im honestly looking for help here. Any input will be greatly appreciated, good or bad. I'm out this mental rut I was in and just want to make things right. Let me make it clear that drugs or EtOH had no role in my downfall because thats what I would be thinking. I honestly would have been better off just not going to medical school but it's too late for that now. I love medicine and want to finish what I started but I hope it's not toooo late.

So you've passed your steps...

So you've passed all but a few courses to finish with an MD...

You are in financial trouble so are busy doing nothing right now...

You want to get out of debt quick. and have a shot at a life, right?

Debt Relief will NOT come with bankruptcy... you cannot eliminate student loan debt with bankruptcy. The government prevented that a while ago. You are almost a Doctor, and, with an MD, could practice anywhere. Even if you are family medicine in Nebraska, you're still a doctor, you still get money, you still have some status and get to do what you set out to do.

And finally. The end-all is the military. With so much debt already accrued you would likely owe them residency and four years of your life, practicing the medicine they want you to practice in the place they want you to practice. BUT: You want to get out of debt. You want to practice as a doctor. I didn't hear too much about " i want optho" or "i want freedom." Military is a good way to go.

Of course, this all presumes that your school will allow you to graduate at all.

 

[45408]

You've already done a few credits shy of getting your MD degree. I'm sure you can work it out with your medical school to finish those last few credits and get your MD at minimal cost. You've invested enough money, time and energy into this path...you might as well finish it with a lot of debt and a degree than with a lot of debt and nothing to show for it.

I wouldn't suggest trying to apply to a residency program at this point, mainly because I get the sense you don't think you can handle the stress and you don't think your heart is in it. You can leverage a MD to enter other fields (journalism, consulting, pharmaceuticals, biotech, clinical trials, etc.). You might want to look into those fields if for nothing else...means to not go hungry and to be able to pay back your loans. Federal loans carry an income-based repayment schedule as well. Look into that...your loans will be forgiven after 25 years of payments.

I think this is the best approach.

 

[Tiki]

One big issue though.

Alot of states may not give you a permanent medical license if you've defaulted on your student loans. When I went through my exit interviews at the end of medical school, they stressed that not paying your loans could have huge ramifications. Maybe they were just trying to scare us, but I'd look into that.

What is the sense in going back if you can't get a license?

 

[gravitywave]

OP with single post history makes thread, then disappears without providing details/answering questions 😕

 

[Bartelby]

Talk to your deans, talk to a mental health professional about possible depression, talk to any other lenders about payment plans to avoid more lawsuits, and talk to a recruiter about the military. If you get to go back for the rest of fourth year or residency don't walk out. It sounds like you are in a terrible and dangerous situation there with several hundred thousand dollars owed and a family to support as well as no immediate access to a job where you can make good money. I feel for you and don't want this to sound too harsh but get your mental health and personal outlook in order quick as people are depending on you, I think you can find a way.