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LiveLoveLearn said:
I know how you feel! Now that med school is so close, I am finding these last few months of work to be excruciatingly dull (hence the ridiculous amount of time that I spend on SDN), and cannot wait to be done! I really find myself cherishing any distraction :corny:
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+1 indeed!
 
I just ran 4 different school/loan scenarios through the AAMC FIRST calculator.

fuuu.jpg
 
LiveLoveLearn said:
I know how you feel! Now that med school is so close, I am finding these last few months of work to be excruciatingly dull (hence the ridiculous amount of time that I spend on SDN), and cannot wait to be done! I really find myself cherishing any distraction :corny:
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+ 1000x
 
LiveLoveLearn said:
I know how you feel! Now that med school is so close, I am finding these last few months of work to be excruciatingly dull (hence the ridiculous amount of time that I spend on SDN), and cannot wait to be done! I really find myself cherishing any distraction :corny:
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Sames. I really need to get off of here..
 
cg2812 said:
Because the committee has decided that it is best.
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I launched a coup d'etat and overthrew SpaceyWacey! She is under my control now. Now, I launched a second coup d'etat and I effectively overthrew this committee.
 
rachelkj said:
Worst case scenario: going to my top choice & receiving no scholarships. 10 year repayment of over $7500/month.
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What's the longest repayment plan? Go with that one. 👍
 
rachelkj said:
UWash. OOS tuition is cray cray. I might end up withdrawing. :cry:
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At least you won't be Wishy-Washy anymore! 😛

















In all seriousness, as much as you liked UWash, you're right that UWash is quite harsh to OOSers, and you were lucky to be accepted there. :shrug: Well, the decision is up to you.
 
The fellow I work with at work tells me that after second year you consolidate your loans and lock in the interest rate and switch to a 30 year repayment plan. I'm just summarizing what she told me about her experience, so I'm not certain this is the norm.
 
Wifey1985 said:
What's the longest repayment plan? Go with that one. 👍
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The 25 year plan brings it down to under $4000 per month but the total amount paid balloons to over a million dollars with interest. If I assume I get $100k in scholarships (optimistic but possible) the payment is reasonable (under $3k) but it's still a total payout of $750k.

Can I borrow someone's rich parents for a few years?
 
jemstone said:
The fellow I work with at work tells me that after second year you consolidate your loans and lock in the interest rate and switch to a 30 year repayment plan. I'm just summarizing what she told me about her experience, so I'm not certain this is the norm.
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I remember in grad school our financial aid advisers were mega anti-consolidation. I didn't really understand why. Tbh, I don't really understand what loan consolidation means 😳
 
rachelkj said:
The 25 year plan brings it down to under $4000 per month but the total amount paid balloons to over a million dollars with interest. If I assume I get $100k in scholarships (optimistic but possible) the payment is reasonable (under $3k) but it's still a total payout of $750k.

Can I borrow someone's rich parents for a few years?
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You can borrow mine, but they charge interest too 🙁
 
Things I am incredibly tired of:
1. Stink bugs
2. Daily headaches
3. Waking up at 5 am
4. Worrying about how to pay for med school
 
Guero said:
Dear lord peeps, every time I open this thread on my phone I get lost in catching up. So I'll post nearly caught up: Agent B, I can confirm.

Anguisette, I have super secret fb status; I'll add you.

Gen pop: I'm getting my motorcycle license this week, which means early classes all weekend and (an) early (drink)s on a Thursday.

Since I own all of Scrubs, I decided to catch up on Nurse Jackie...it's awesome!
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Getting your motorcycle endorsement? Do you have a bike? We should go for a ride sometime, I've got a lovely little virago 750
 
sinombre said:
lol... what's with #1? As someone who minored in entomology, I am deeply offended.
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That's disgusting. I had 7+ in my car during the course of last week. And they only appear when I'm driving over 55 mph so they startle me. It's quite obnoxious to have to shoo them out of my car. At home, they're just gross.
 
jemstone said:
That's disgusting. I had 7+ in my car during the course of last week. And they only appear when I'm driving over 55 mph so they startle me. It's quite obnoxious to have to shoo them out of my car. At home, they're just gross.
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We can always enjoy them just to have the feel for the wild. :naughty::naughty:
 
jemstone said:
That's disgusting. I had 7+ in my car during the course of last week. And they only appear when I'm driving over 55 mph so they startle me. It's quite obnoxious to have to shoo them out of my car. At home, they're just gross.
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lol... yeah, they are gross. I did a lot of forensics research in undergrad, and I went to a conference where I heard about a man who crashed his car and died after he realized that there was a bee flying around inside.

So, the moral of the story is... you can get startled, but not that startled.
 
rachelkj said:
The 25 year plan brings it down to under $4000 per month but the total amount paid balloons to over a million dollars with interest. If I assume I get $100k in scholarships (optimistic but possible) the payment is reasonable (under $3k) but it's still a total payout of $750k.

Can I borrow someone's rich parents for a few years?
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😱:scared:
 
How do people get to the average student debt (~160k) anyway? Is there a majority of students with parents paying their living expenses?
 
rachelkj said:
How do people get to the average student debt (~160k) anyway? Is there a majority of students with parents paying their living expenses?
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I think it has to do with life before unsubsidized stafford loans & tuition being lower... I also think it sounds very scary. I heard that if you do PC you could get 100k forgiven as you start your new job (depends on the job). There are also PC loans with subsidized interest but not all schools have those.
 
rachelkj said:
How do people get to the average student debt (~160k) anyway? Is there a majority of students with parents paying their living expenses?
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I think if you look at the median student debt it'll be a lot higher. A few students with parents are footing 100% of the bill will drive the average down a LOT.
 
You can actually get all of your tuition paid for on the front end, but you have to know what you want to do right now. The scholarships are binding - you have to specialize in primary care and commit to 4 years of work in a very underserved area.
 
The loan repayment programs are also there, but $60k in repayment for 2 years of work in a high-need area doesn't feel like as much when you owe half a million dollars. Unless you want to do rural med anyway, then you are set!

I really want to do work with medically underserved people, but my interests are in populations that are defined in ways other than geography, which results in me being interested in geographic areas that are not considered underserved.
 
sinombre said:
lol... yeah, they are gross. I did a lot of forensics research in undergrad, and I went to a conference where I heard about a man who crashed his car and died after he realized that there was a bee flying around inside.

So, the moral of the story is... you can get startled, but not that startled.
Click to expand...

Meh. Subjective
 
rachelkj said:
The loan repayment programs are also there, but $60k in repayment for 2 years of work in a high-need area doesn't feel like as much when you owe half a million dollars. Unless you want to do rural med anyway, then you are set!

I really want to do work with medically underserved people, but my interests are in populations that are defined in ways other than geography, which results in me being interested in geographic areas that are not considered underserved.
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:/ Perhaps the ACA will change things? Or you could do the PSL(?) forgiveness program? I did not know that you could stay working in the underserved FQHCs until you are done paying the loans... That makes me feel better 🙂 Would OHSU be way better in terms of $?
 
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