It's kinda the definition of "non-refundable." You are going to have to make a decision and be confident that it is the right one for you and your family. Either that or have a boat-load of cash on hand.
If I were a betting man (which I am), I would bet that you don't have a boat load of cash on hand, and will have to do your research and make the right decision the first time around. Just remember when you're doing your research:
1. Think about starting a new thread, then realize how dumb that would be, go to google.com
2. Type in your search eg: "X D.O. school VS. Y D.O. school SDN," press enter.
3. Go to already existing discussion and read about it.
4. believe about 1/4 of what you are reading as truth
5. pay your deposit, go to med school, become physician.