Evms

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Hey all,
I am just signing a lease for a sunny 2BR/2FullBA appt across the street from EVMS that starts on August 15th. Its on Colley and Redgate, has a W/D, separate living and dining rooms, and a balcony/porch. The rent is 675 and water/trash/recycling are included. Photos are here:

http://www.cavalierland.com/properties/aberdeen.html

Private message me if you are interested in rooming with me 🙂
 
Hey guys, we are two guys looking for a 3rd roomate. Both of us are from Socal. The rent should be about 500 bucks a month including expenses. PM me if you are interested.

The Aberdeen
Ghent
​
800 Redgate Avenue, Norfolk, VA 23507 $1425.00 WS Now
 
http://www.evms.edu/students/fin-aid/budgets/md.html

Question for those attending EVMS as out of staters!!

In advance thank you for your response.

I am overwhelmed at the cost, for 4 years it is 262,603. (As a resident, how can one pay that off? Isn't the salary around 30k a year, does one live with their parents during residency?)

Also the 1 year SMP is around 45k. So basically I would come out of med school with $307,603.

Does this scare anyone? How would i be able to pay this? Is there a time limit to pay this off, i don't want my credit score to be destroyed.

I just want to know if others have been able to fund this amount through GradPlus, etc or does one have to seek private lenders?

Thank you again!!!
 
futuremd2012 said:
http://www.evms.edu/students/fin-aid/budgets/md.html

Question for those attending EVMS as out of staters!!

In advance thank you for your response.

I am overwhelmed at the cost, for 4 years it is 262,603. (As a resident, how can one pay that off? Isn't the salary around 30k a year, does one live with their parents during residency?)

Also the 1 year SMP is around 45k. So basically I would come out of med school with $307,603.

Does this scare anyone? How would i be able to pay this? Is there a time limit to pay this off, i don't want my credit score to be destroyed.

I just want to know if others have been able to fund this amount through GradPlus, etc or does one have to seek private lenders?

Thank you again!!!
Click to expand...
First, it'll be quite a bit more than $300k, because interest starts accruing on most of the loans as soon as you cash the check.

Your cost of attendance is what's eligible for federal aid. As much as you possibly can, stick to federal aid. That means subsidized Stafford, unsubsidized Stafford, and GradPlus. Private loans do not follow the same rules.

Federal aid last week became subject to income-based repayment. This is good, because the emergency forbearance on which residents used to depend is gone. Income-based repayment means that your monthly payments can't exceed some reasonable, published percentage of your income.

So the good news is that you can borrow federal dollars to fund that $300k education, and that those federal dollars come with repayment programs that (in theory) allow you to pay rent during residency.

The bad news is not what you're thinking, that you'll find out during residency that you can't afford the debt you took on. But obviously all that debt is still horrifying.

EVMS, and SMPs in particular, are med school on the 5 year plan. So unless you use your SMP to get into your state school, you're spending 25% more.

Not too late to be a plumber. They make bank.
 
Thanks! So would i be foolish if i went to EVMS from the SMP and paid 25 %more... in case state school didn't accept me.

Are you planning on staying there or returning to state school, may I ask?

DrMidlife said:
First, it'll be quite a bit more than $300k, because interest starts accruing on most of the loans as soon as you cash the check.

Your cost of attendance is what's eligible for federal aid. As much as you possibly can, stick to federal aid. That means subsidized Stafford, unsubsidized Stafford, and GradPlus. Private loans do not follow the same rules.

Federal aid last week became subject to income-based repayment. This is good, because the emergency forbearance on which residents used to depend is gone. Income-based repayment means that your monthly payments can't exceed some reasonable, published percentage of your income.

So the good news is that you can borrow federal dollars to fund that $300k education, and that those federal dollars come with repayment programs that (in theory) allow you to pay rent during residency.

The bad news is not what you're thinking, that you'll find out during residency that you can't afford the debt you took on. But obviously all that debt is still horrifying.

EVMS, and SMPs in particular, are med school on the 5 year plan. So unless you use your SMP to get into your state school, you're spending 25% more.

Not too late to be a plumber. They make bank.
Click to expand...
 
futuremd2012 said:
Thanks! So would i be foolish if i went to EVMS from the SMP and paid 25 %more... in case state school didn't accept me.
Click to expand...
Do you have a choice? Without a competitive GPA you pretty much have to be foolish, financially, to pursue med school.

futuremd2012 said:
Are you planning on staying there or returning to state school, may I ask?
Click to expand...
I'll go where I get in.
 
DrMidlife, so are you suggesting that we shouldnt do the program? I got accepted and am planning to do the program. I was wondering if you can give me your advice. You also mentioned that EVMS is a 5 year plan? I thought medical schools were only 4 years...



DrMidlife said:
Do you have a choice? Without a competitive GPA you pretty much have to be foolish, financially, to pursue med school.


I'll go where I get in.
Click to expand...
 
HomeMD said:
DrMidlife, so are you suggesting that we shouldnt do the program? I got accepted and am planning to do the program. I was wondering if you can give me your advice. You also mentioned that EVMS is a 5 year plan? I thought medical schools were only 4 years...
Click to expand...

Add a a year of SMP to 4 years of med school and you get 5 years.

As Guju said, if you can get into med school without an SMP it would be ridiculous, financially, to do an SMP.
 
Thank you. I understand. I am going to have to be foolish (financially) to get what I want.

DrMidlife said:
Do you have a choice? Without a competitive GPA you pretty much have to be foolish, financially, to pursue med school.


I'll go where I get in.
Click to expand...
 
DrMidlife said:
First, it'll be quite a bit more than $300k, because interest starts accruing on most of the loans as soon as you cash the check.

Your cost of attendance is what's eligible for federal aid. As much as you possibly can, stick to federal aid. That means subsidized Stafford, unsubsidized Stafford, and GradPlus. Private loans do not follow the same rules.

EVMS, and SMPs in particular, are med school on the 5 year plan. So unless you use your SMP to get into your state school, you're spending 25% more.
Click to expand...

One thing about financial aid (at least for this year for the MD): the subsidized and unsubsidized Stafford loan amounts ($43,000) don't even cover the cost of tuition for out-of-state students. I hope this is something they will change next year. M3/M4 years cost slightly more and you will get more Stafford loans to adjust for the difference.

That being said medical school is a lot of debt, yet hundreds of students have gone through a similar situation and are still clamoring to go to medical school even as prices rise. Being out-of-state at EVMS makes it a more difficult decision down the line if you want to do primary care unless you have another source of funding i.e. scholarship, family funds, etc. Hopefully despite everything being a primary care physician will still be worthwhile and enjoyable - you just break even much later than your specialist counterparts.
 
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Dear GujuDoc,
First, I just want to say THANK YOU! You have been just amazing with all your help and suggestion. As to kinda answer to your post, I have been volunteering in this bariatric clinic for 2.5 years. I have watched surgeries and is very close with the chief of bariatrics at UCIMC. The only thing that I am afraid of most is just a very unstable GPA trend and horrible MCAT break down. I talked to UCI MS director of admissions and she recommended that I do a post bac to show a more stable trend before I apply. I am doing EVMS because I feel like its an opportunity that will get me closer to being a doctor. I want to go back into surgery and hopefully help others. I know that I will regret this later but as for now money does not seem so important to me. Am I crazy or no? I am quite lost. The clinic just promoted me to Junior specialist because I turned down a job offer to go to the SMP. I kinda do not want to leave Cali but at the same time I feel like its a new opportunity. Whether its good or bad, I do not know.



gujuDoc said:
I'm not Dr. Midlife but you have a 3.57 and a 29 MCAT. that is in the acceptable range for getting into med school and if you do stronger on your MCAT you will definitely be set. If you are lacking it seems to be lacking in clinical experience which I didn't see much of from your ECs in your previous post. You may not get in a california school but if you apply broadly in the midwest and east coast I'm sure you'd get in somewhere. I don't think you should waste money on a SMP knowing how expensive it is but if you still want to do it do it. Just remember that interest will accrue and its another 45,000-65,000 for any SMP. If you are going to do an SMP then perhaps EVMS is a blessing in disguise cuz its cheaper.
Click to expand...
 
ImmunoRock,

But a lot of out of state students at EVMS also have GradPlus for those who don't have scholarships family funds, correct? Aside from calculating tuition... they consider that you have other expenses like rent, etc and food right?

Thanks!

ImmunoRocks said:
One thing about financial aid (at least for this year for the MD): the subsidized and unsubsidized Stafford loan amounts ($43,000) don't even cover the cost of tuition for out-of-state students. I hope this is something they will change next year. M3/M4 years cost slightly more and you will get more Stafford loans to adjust for the difference.

That being said medical school is a lot of debt, yet hundreds of students have gone through a similar situation and are still clamoring to go to medical school even as prices rise. Being out-of-state at EVMS makes it a more difficult decision down the line if you want to do primary care unless you have another source of funding i.e. scholarship, family funds, etc. Hopefully despite everything being a primary care physician will still be worthwhile and enjoyable - you just break even much later than your specialist counterparts.
Click to expand...
 
futuremd2012 said:
ImmunoRock,

But a lot of out of state students at EVMS also have GradPlus for those who don't have scholarships family funds, correct? Aside from calculating tuition... they consider that you have other expenses like rent, etc and food right?

Thanks!
Click to expand...

At the risk of misinterpreting Immuno, here's the deal:

1. COA is covered by federal aid. COA includes tuition/food/rent/etc. You don't have to have family support or scholarships to go to med school.

2. If you have a family to support and/or otherwise can't live within COA, you'll have to get private loans, which makes the money story more painful, sooner. But vast numbers of med students (not hundreds but thousands per year) are in this boat.

3. Very, very few med schools have tuition that comes in under Stafford. The annual Stafford limit (sub + unsub) is $20,500. There are only 32 med schools that offer sub-$20,500 instate tuition. In other words, this is so totally not an issue specific to OOS or EVMS.

4. If you want to do primary care, or otherwise won't be making a fat salary after residency, accumulating this much debt may be a problem. Or it may not. There are lots of programs that help you with debt along the way, with all kinds of cost/benefit, such as military & public health & underserved areas.

Regardless, avoiding unnecessary debt, and understanding what you're getting yourself into and what you'll have to do to get out of it, are part of the job.

Lastly, when you see the news say that the average student debt is $130,000, that's complete bull crap. That number averages in all the students with no debt. The number for students with debt is well over $200k, and it'll be $300k when we graduate, guaranteed.
 
DrMidlife said:
3. Very, very few med schools have tuition that comes in under Stafford. The annual Stafford limit (sub + unsub) is $20,500. There are only 32 med schools that offer sub-$20,500 instate tuition. In other words, this is so totally not an issue specific to OOS or EVMS.
Click to expand...

Hmm, I'm not sure about that. I believe the Stafford limits are higher for the MD program. That ~$43,000 ($8500 sub and $34500 unsub) number for Stafford sub+unsub was what EVMS financial aid gave me. Daedalus, is that what your financial aid packet says as well? I know of a private school in California whose Stafford amount covers the cost of tuition+fees at least, though it might just be an outlier. My point in mentioning this was the fact that out-of-state students will have to take out GradPlus or private loans to cover the full cost of attendance for EVMS (which may be the same case for other schools as well) and since these loans run at higher interest rates, there's just more more debt involved.

But everything else sounds good. I suppose I was an order of magnitude off with my number of students going into debt. =P
 
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ImmunoRocks said:
Hmm, I'm not sure about that. I believe the Stafford limits are higher for the MD program. That ~$43,000 ($8500 sub and $34500 unsub) number for Stafford sub+unsub was what EVMS financial aid gave me. Daedalus, is that what your financial aid packet says as well? I know of a private school in California whose Stafford amount covers the cost of tuition+fees at least, though it might just be an outlier. My point in mentioning this was the fact that out-of-state students will have to take out GradPlus or private loans to cover the full cost of attendance for EVMS (which may be the same case for other schools as well) and since these loans run at higher interest rates, there's just more more debt involved.
Click to expand...

That's some good news. My sources, if folks want to do their own research...

Loan limits: http://studentaid.ed.gov/PORTALSWebApp/students/english/studentloans.jsp. $20,500 max Stafford sub+unsub, sub max is $8500, ah, but lifetime max for Stafford for professional (ie med) students is $224,000...so that would be the futz room.

MSAR '10-'11...instate tuition for CA schools
USC 44188
Loma Linda 37610
Stanford 43620
UC Davis 25908
UC Irvine 23289
UCLA 22835
UCSD 23031
UCSF 22684

MSAR '10-'11...cheapest 32 schools for instate tuition (tuition + fees)
East Carolina 9034
LSU Shreveport 10461
U of Puerto Rico 10780
UT Houston 11009
Texas A&M 11231
U of Mississippi 11649
Texas Tech Lubbock 12736
Texas Tech El Paso 12736
Baylor 12803
LSU New Orleans 12866
U of N. Carolina 12936
UTMB 13353
UT San Antonio 13450
UT Southwestern 13515
U of Massachusetts 14238
U of Nevada 14303
MC Georgia 15604
Marshall 16588
U of Arkansas 17362
U of New Mexico 17621
U of S. Alabama 17990
Florida State 18610
San Juan Bautista 18770
U of Arizona 18776
U of Alabama 18871
U of Washington 19122
U of S. Dakota 19765
SUNY Upstate 19956
W. Virginia 20164
U at Buffalo 20270
U of Oklahoma 20312
U of Tennessee 20405
 
Does EVMS give out any scholarships for their MD program? And have any Med Masters gotten any of these scholarships?
 
Does anyone know if once you have been accepted to the SMP at EVMS, that you can defer your acceptance until one year later.

i.e. Go there an work for a year before starting the SMP so that you get in state tuition?

THANK YOU!!
 
futuremd2012 said:
Does anyone know if once you have been accepted to the SMP at EVMS, that you can defer your acceptance until one year later.

i.e. Go there an work for a year before starting the SMP so that you get in state tuition?

THANK YOU!!
Click to expand...

You should call someone in the financial aid office at EVMS to find out if this would even work. You have to establish "intent to reside" in VA or something along those lines for at least a year before applying for in-state tuition. I'm not sure if holding an acceptance to a program that you are deferring in order to work in the state counts. Again, you should ask someone who knows more about this.

But at least for the SMP year, it wouldn't matter anyway, as tuition is the same for everyone.
 
Hey Guys,
I was just curious if anyone has received financial aid packages yet? I have been waiting patiently, and called the office a few weeks ago....they said 30 days before the 1st day of school, but tomorrow would be 30 days and I still haven't heard a peep. I'm starting to get a bit nervous. I'm also waiting on a bill for our tuition so I can secure a 401k loan for school. I'll probably call again tomorrow, but if anyone has news please update me!:scared:

Thanks!
 
microscopegal said:
Hey Guys,
I was just curious if anyone has received financial aid packages yet? I have been waiting patiently, and called the office a few weeks ago....they said 30 days before the 1st day of school, but tomorrow would be 30 days and I still haven't heard a peep. I'm starting to get a bit nervous. I'm also waiting on a bill for our tuition so I can secure a 401k loan for school. I'll probably call again tomorrow, but if anyone has news please update me!:scared:

Thanks!
Click to expand...

When I visited the fin aid office in mid-June, I was told we'd get aid letters by the end of July.

I can't imagine that the interest rate on a 401k loan is going to beat Stafford or GradPlus, but whatever floats your boat.
 
microscopegal said:
Hey Guys,
I was just curious if anyone has received financial aid packages yet? I have been waiting patiently, and called the office a few weeks ago....they said 30 days before the 1st day of school, but tomorrow would be 30 days and I still haven't heard a peep. I'm starting to get a bit nervous. I'm also waiting on a bill for our tuition so I can secure a 401k loan for school. I'll probably call again tomorrow, but if anyone has news please update me!:scared:

Thanks!
Click to expand...

I went into the financial aid office a few days ago and they said the award letters for the incoming students should start going out tomorrow or early next week.
 
Anyone still looking for housing? I'm a female Med Master and have a 2 BR/2 BA for 1350 total, (675/person) at Pembroke Towers (SUPER NICE).

Orr... does anyone need a roommate?

Email me at [email protected]! thanks!
 
Does anyone know if the classes someone takes at the SMP... are they graded with A, B, C etc or are they all High Pass/Pass/fail grades?
 
futuremd2012 said:
Does anyone know if the classes someone takes at the SMP... are they graded with A, B, C etc or are they all High Pass/Pass/fail grades?
Click to expand...

You are graded on the medical student curve and grading scale, but you will also be assigned a letter grade which will go on your masters transcript. Usually (but not for every class) an Honors = A, High Pass = A-, Pass = B's or C's depending on your percentage.

For some classes there is a set scale for grades based on a strict percentage in the course, and for others it is based on standard deviations from the mean.
 
For the past SMPers do you guys think it will be post to that i retake my mcat on AUG 21 which is about 4 days after the first day of class?
 
HomeMD said:
For the past SMPers do you guys think it will be post to that i retake my mcat on AUG 21 which is about 4 days after the first day of class?
Click to expand...

Dude. Wrongness. We'll probably have an exam Aug 24. Which will completely harsh your mojo. Reschedule for Aug 14 in Newport News - I can give you a ride, I'll be there too.
 
HomeMD said:
For the past SMPers do you guys think it will be post to that i retake my mcat on AUG 21 which is about 4 days after the first day of class?
Click to expand...

You guys only have 1.5 hours of class on the 21st (Intro to MMCB and the first lecture), and your first test is August 4th (combined MMCB/Histo test - 100 questions).

So while I suppose you could pull it off if you really wanted to, I gotta agree with DrMidlife. This will definitely kill your buzz, harsh your mojo, etc. You don't want to be stressed about the MCAT and trying to study during orientation and your first few classes. There are a lot of social activities, people are trying to get to know each other, you're getting used to med school classes, etc.

There was one person in my class who was also planning on taking the MCAT a week or so into the school year, and cancelled it within a few days haha. The stress isn't worth it. Not retaking won't hurt your chances at EVMS, but if you're going for another school and really feel like you need to retake, I would follow DrMidlife's advice and reschedule for right before school starts.
 
Hello guys,
I am going to EVMS SMP but there was a question that came to mind. I was wondering what program do you guys think is better or what are the pros and cons of both programs?
 
HomeMD said:
Hello guys,
I am going to EVMS SMP but there was a question that came to mind. I was wondering what program do you guys think is better or what are the pros and cons of both programs?
Click to expand...

I applied to EVMS because of its stats. After I got accepted, I fell head over heels for the school: the SMP & med school are small, it only has health sciences, it's in a walkable cute neighborhood, and the people are friendly. After paying attention for a couple of years, I consider Gtown, EVMS, Cincinnati & Tulane ACP to be the top tier of SMPs.

I didn't apply to Drexel because it's huge, it's like the Walmart of undergrad/grad/med schools (you've got a need? they've got a program), it's in a town that has 57 other med schools (so it seems), Philly isn't much of a draw, and it's not a med school I'd want to go to given any other choice.
 
What if you wanted to go to a program that will offer you a better opportunity than the host SMP school? Will Drexel offer a greater chance to go to other schools?
 
HomeMD said:
What if you wanted to go to a program that will offer you a better opportunity than the host SMP school? Will Drexel offer a greater chance to go to other schools?
Click to expand...

I'm not just applying to EVMS. I'm expecting my grades & letters from EVMS to be received as "generic SMP" at my state school, same as they'd view Gtown or Loyola. I seriously doubt they'd view Drexel as better or worse.

That said, I'd venture a guess that more people have heard of Drexel than have heard of EVMS.

I recommend looking through the Drexel IMS etc. (edit) threads for their SMP grads and seeing where folks got in. You also might find some SMP grads on mdapps.

Also, in my view, Drexel is a less safe bet for same-year med school apps. By that I mean that I'm confident that EVMS will support my AMCAS process this coming year. I do not feel that confidence about Drexel, since I expect their SMPers have to fight pretty hard for attention.
 
Great! thanks for the talk. EVMS will be my final choice! Are you doing EVMS this year?
 
HomeMD said:
What if you wanted to go to a program that will offer you a better opportunity than the host SMP school? Will Drexel offer a greater chance to go to other schools?
Click to expand...

Sure we all have our dream school, but you need to remember the reason you're going to an SMP - if you're going this route, your goal is to get into a medical school.... any medical school, without any further delays like a glide year. There really isn't a better program to achieve that goal than EVMS (although probably matched by the Cincinnati SMP)
 
Thank you for giving the clear perspective. I have almost forgot about the real objective. Thanks!
 
At this late in the summer, is it safe for me to assume that EVMS has finished looking at the top third of the waitlist and have filled its seats?


Thanks,

A.
 
atran017 said:
At this late in the summer, is it safe for me to assume that EVMS has finished looking at the top third of the waitlist and have filled its seats?


Thanks,

A.
Click to expand...

Well the seats have been filled basically since the application closed - but yeah, I think its safe to assume that if there is any more waitlist movement, it will only be one person at most. (last year, only one person got in within 3 weeks of classes starting)
 
And that one would be ME!! I just got accepted into med school guys so I'm opening up a spot at EVMS. Its too bad I was really looking forward to meeting you all. Good luck to the rest of you
 
I'm planning on taking a trip with my roomate to Ikea around August 15th-ish....does anyone want to come along? I think its approx 150 mi away.
 
I think we can rent a uhaul or truck, depending on how many people need it. Hey Theplatypus, if you dont mind maybe if someone needs to transfer something big like from walmart or etc. We can all pitch in and split the cost of the truck/uhaul.
 
so what are some good apartment complexes/buildings to live in? I was going to live at one but the landlady turned out to be kind of a nutcase...

I'm flying in next week, so if you guys have any recommendations, thatd be great!
 
dxoxcx said:
so what are some good apartment complexes/buildings to live in? I was going to live at one but the landlady turned out to be kind of a nutcase...

I'm flying in next week, so if you guys have any recommendations, thatd be great!
Click to expand...

Check out http://sinapse.evms.edu and look in the virtual market for apartments - there are people still looking for a roommate for next year.

Also check out the facebook group for the EVMS class of 2013 - there are also lots of posts of people looking for roommates. (to find this group, you have to search for "Eastern Virginia Medical School 2013", not "EVMS")
 
Hello Former EVMS SMPs,
I was wondering if you guys had trouble finding time to do your secondaries? I have about 35 secondaries that I have not had a chance to work on. I am very stressed out about actually being able to complete all of them. I have the FAP waiver so I can waive a majority of the fees. So I want to increase my chances by doing as many secondaries or all of them. What do you guys think that I should do? Will I be screwing myself over?
 
HomeMD said:
Hello Former EVMS SMPs,
I was wondering if you guys had trouble finding time to do your secondaries?
Click to expand...

If you have free time right now before school starts/moving in, I would work on your secondaries as much as possible. A lot of us were still doing secondaries as school was going on so it's possible to do your secondaries then, it's just more difficult to find motivation to finish them. Prioritize your secondaries and finish the ones to schools you would want to go to over EVMS first before the other ones if you're trying to decide (and obviously complete the EVMS secondary within the deadlines they give you). Completing secondaries just becomes a drawn-out process and you really want to turn those in as quickly as possible. There will always be time to work on it if you have to - it's not quite 24/7 studying just yet! 😉
 
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