can you tell me if i can afford to be a dentist?

[pastor's wife]

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i am a pastor's wife, and my husband makes around 36,000 after tax.
i would like to work only part time after i have kids. that would be pretty much be as soon as i'm done with schooling.
will i be able to pay off my debt in a reasonable amount of time (~20 years) and save some $ for my kids' tuition?
am i going to be in debt (lots of it) for the rest of my life?
do i have no choice but to work full time as a dentist??????

thanks!

 

[dentalstudent]

Hi,

One good thing about the profession of dentistry is flexibility. On the average most dentists only work 4 days a week with some experienced one only working 2.5 to 3 days.
I would suggest when you apply to school, apply to your state school which has the cheatest tuition to save money. Yes I know dentists who were almost $500,000 in debt (both undergrad and dental) and some with almost 0 in debt (scholarship, working, help from relatives).
If you want to be a dentist, go for it.
🙂

 

[TiggerJSA]

i am a pastor's wife, and my husband makes around 36,000 after tax.
i would like to work only part time after i have kids. that would be pretty much be as soon as i'm done with schooling.
will i be able to pay off my debt in a reasonable amount of time (~20 years) and save some $ for my kids' tuition?
am i going to be in debt (lots of it) for the rest of my life?
do i have no choice but to work full time as a dentist??????

thanks!

If planned efficiently, you'll have no problem saving money and minimizing your debt. Remember too, it's more of a cash flow situation on a month to month basis when all is said and done. G'luck!

 

[starvinstudent]

i am a pastor's wife, and my husband makes around 36,000 after tax.
i would like to work only part time after i have kids. that would be pretty much be as soon as i'm done with schooling.
will i be able to pay off my debt in a reasonable amount of time (~20 years) and save some $ for my kids' tuition?
am i going to be in debt (lots of it) for the rest of my life?
do i have no choice but to work full time as a dentist??????

thanks!

sounds like a question for god since no one here could give a correct answer.

 

[Sprgrover]

i am a pastor's wife, and my husband makes around 36,000 after tax.
i would like to work only part time after i have kids. that would be pretty much be as soon as i'm done with schooling.
will i be able to pay off my debt in a reasonable amount of time (~20 years) and save some $ for my kids' tuition?
am i going to be in debt (lots of it) for the rest of my life?
do i have no choice but to work full time as a dentist??????

thanks!

There are a lot of variables to take into account: where you go to school and the debt that you take on, your lifestyle after school, and to a certain degree, where you end up practicing. If you attend the cheapest school possible and live within your budget I think it is very possible.

 

[12YearOldKid]

sounds like a question for god since no one here could give a correct answer.

1. We don't know how much debt is a lot. $70,000? $300,000?

2. We don't know what part time means to you. 4 hours per week? 20?

3. Your husband needs to get a bigger collection plate... and a cable tv show. Old ladies will pay a lot of money for someone to pray with them on the phone.

 

[starvinstudent]

1. We don't know how much debt is a lot. $70,000? $300,000?

2. We don't know what part time means to you. 4 hours per week? 20?

3. Your husband needs to get a bigger collection plate... and a cable tv show. Old ladies will pay a lot of money for someone to pray with them on the phone.

also he needs to become a healer, or at least act like one like the pastors on Tv.

YOU ARE HEALED MY BROTHER !