Im homeless....

[tons_of_fart]

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lets clear something up, this is in no way a meal ticket into dental school. My DAT and GPA are still a big part. Honestly dude I don't care who works how many hours and stays up all night off red bulls and only gets a hour sleep and still plus off As, I don't care. I'm putting homeless on my application. I can't get As and work at the same time so thats not what I'm going to do.

So you came here to ask if you should put your homeless situation on your application. Now you're adamant about putting homeless on your application even though a lot of people are putting their inputs about it. My take: Sure, you can place it on your application but think about how people would think if you're on a tough spot financially and you're not taking care of it. You want to show the reviewers that you can solve such a problem. Just as Jungerr stated, there are applicants out there who can support their selves in your situation; also good luck on explaining to them your status and what you have done to try to solve it.

 

[Slumber]

This is looking more and more like a troll thread.

 

[doc toothache]

Homeless and with an attitude.

 

[YoungOrtho88]

You could if you took a part time load.

My concern would be if you could get student loans with your financial situation as it is. Who is going to lend to someone like you? You don't qualify for Grad PLUS and that's what the students I know who are in medical/dental school take out.

Well I guess ill have to get a part time job just to pay off my cards, but it won't be for a place to stay. A gentlemen on here said credit score is not the issue only delinquent accounts.

 

[YoungOrtho88]

Homeless and with an attitude.

what attitude ?

 

[bsp1013]

You could be the first homeless orthodontist!

 

[YoungOrtho88]

Look no more advice or comments will be necessary,I have gotten the information that I need. Part time job to pay of cards

So you came here to ask if you should put your homeless situation on your application. Now you're adamant about putting homeless on your application even though a lot of people are putting their inputs about it. My take: Sure, you can place it on your application but think about how people would think if you're on a tough spot financially and you're not taking care of it. You want to show the reviewers that you can solve such a problem. Just as Jungerr stated, there are applicants out there who can support their selves in your situation; also good luck on explaining to them your status and what you have done to try to solve it.

Dude dont come on here bashing me, I dont have any outside support im on my own in life. Student loans are the only thing keeping me able to make it through this struggle.Karma is real , you reap what you sew. You came on here to beat a dead horse, to kick a man when hes down. Your attitude and snide remarks will come back to you eventualy. I will be on here posting about my acceptnce this december , not sure if your here to help or to vent by taking out your passive agressiveness through internet blogs.

 

[Slumber]

Look no more advice or comments will be necessary,I have gotten the information that I need. Part time job to pay of cards

Dude dont come on here bashing me, I dont have any outside support im on my own in life. Student loans are the only thing keeping me able to make it through this struggle.Karma is real , you reap what you sew. You came on here to beat a dead horse, to kick a man when hes down. Your attitude and snide remarks will come back to you eventualy. I will be on here posting about my acceptnce this december , not sure if your here to help or to vent by taking out your passive agressiveness through internet blogs.

I suppose the truth is hard to take in. We're not here to bash you, but if our advices are too much for you, then follow your own gut.


Btw, this is taken straight from studentaid.ed.gov:

"PLUS loans are federal loans that graduate or professional degree students and parents of dependent undergraduate students can use to help pay education expenses. The U.S. Department of Education makes Direct PLUS Loans to eligible borrowers through schools participating in the Direct Loan Program.

Here’s a quick overview of Direct PLUS Loans:

• The U.S. Department of Education is the lender.
• The borrower must not have an adverse credit history.
• The maximum loan amount is the student’s cost of attendance (determined by the school) minus any other financial aid received.

Can I still receive a Direct PLUS Loan if I have an adverse credit history?
A credit check will be performed during the application process. If you have an adverse credit history, you may still receive a Direct PLUS Loan by obtaining an endorser who does not have an adverse credit history or documenting to the U.S. Department of Education’s satisfaction extenuating circumstances relating to your adverse credit history. If you are a parent borrower, the endorser cannot be the child on whose behalf you are borrowing. "

 

[YoungOrtho88]

I suppose the truth is hard to take in. We're not here to bash you, but if our advices are too much for you, then follow your own gut.


Btw, this is taken straight from studentaid.ed.gov:

"PLUS loans are federal loans that graduate or professional degree students and parents of dependent undergraduate students can use to help pay education expenses. The U.S. Department of Education makes Direct PLUS Loans to eligible borrowers through schools participating in the Direct Loan Program.

Here’s a quick overview of Direct PLUS Loans:

• The U.S. Department of Education is the lender.
• The borrower must not have an adverse credit history.
• The maximum loan amount is the student’s cost of attendance (determined by the school) minus any other financial aid received.

Can I still receive a Direct PLUS Loan if I have an adverse credit history?
A credit check will be performed during the application process. If you have an adverse credit history, you may still receive a Direct PLUS Loan by obtaining an endorser who does not have an adverse credit history or documenting to the U.S. Department of Education’s satisfaction extenuating circumstances relating to your adverse credit history. If you are a parent borrower, the endorser cannot be the child on whose behalf you are borrowing. "

WELL THEN I GUESS IM EVEN MORE SCREWED . ill get a part timer to pay my debt . no ones fault but mine. Life is not a joke, thanks for helping.

 

[Titus Times]

WELL THEN I GUESS IM EVEN MORE SCREWED . ill get a part timer to pay my debt . no ones fault but mine. Life is not a joke, thanks for helping.

Hey what's up man.

I don't have good credit, nor does my mom, I applied for a parent plus loan through my moms information and was denied, which is what's suppose to happen, because I was then granted the loan under myself rather than my parent. I'm not sure if they ran a credit check on me but I am sure that everyone in college does not have RICH FAMILY MEMBERS and GREAT CREDIT. There are opportunities and programs to get you the loans you need.

Do you guys really think a dental school will grant him admission, then have him not attend because of finances without exhausting other options.

Alot of you guys had some helpful input and exhibit a great deal of compassion, I'm pleased to see that.

He's letting his DREAMS SHAPE HIS REALITY, and living through that grim reality. He's not letting his REALITY RESHAPE HIS DREAMS.

 

[deleted480308]

Do you guys really think a dental school will grant him admission, then have him not attend because of finances without exhausting other options.

it is not a school's job to find any one money, there are always others in line waiting for the spot. OP, handle your credit and get to being a dentist

 

[Glimmer1991]

Do you guys really think a dental school will grant him admission, then have him not attend because of finances without exhausting other options.

This happens to Canadians who are accepted to US schools every year. I don't personally know of any US students this has happened to, but I only am aware of a limited number of people and what I read here. I'm sure it happens.

The OP, as I understand it, can get Federal Direct Loans. It is the Direct PLUS loans that require a credit check, and he might need those to meet the full COA.

You don't have to have rich parents (or be rich yourself) to be accepted. You don't have to have "great" credit. However, would a regular bank want to loan someone upwards of 60k a year who had no income, a bad credit score, and delinquencies? Probably not. Why would the government want to do it, either?

All most people are saying is that the OP needs to get some other issues sorted out before applying to dental schools. I don't disagree. It's one thing to be "poor" and go to dental school--many of us are fresh college grads without much money in savings or who already have some debt from undergrad loans. However, it's another thing entirely to be homeless and have multiple credit delinquencies.

I truly don't understand why the OP wasn't able to get enough in loans to cover his college tuition + living expenses. Plenty of people have to pay for undergrad out of pocket, and they take out loans to do so. I have friends who did this, and they definitely didn't have to live out of a car. They'll just pay back those loans after they graduate just the same as anyone else would. Most of them did have jobs during undergrad, but it's not like they had to--they've had received enough financial aid otherwise.

 

[Titus Times]

it is not a school's job to find any one money, there are always others in line waiting for the spot. OP, handle your credit and get to being a dentist

It's Called the financial aid department, People work there, and it is their job to provide the tools, resources, information, necessary to receive funding to cover school expense.

All I'm saying is, to each his own, To the guy above me, you say this happens to Canadians every year, why Canadians after all i'm sure there are WAAAYY more poor w/bad credit students accepted from america than Canada, so if what you say is true wouldn't the better fact be "this happens to students in the US every year"

We're in a world of possibilities not because this or that person says so, but because certain people fight for there goals, What about scholarships, what about need based scholarships from the Dental school, What about when this guy speaks of his amazing triumph HOMELESS to DENTAL SCHOOL, but wait america I will actually remain homeless despite my clear, deserving aptitude for this field, because I have credit card debt. Yeah Right.

Furthermore, majority of Undergrad students. accumulate ridiculous credit card debt, are these people all out of MED/DENTAL/PHARMACY/PODIATRY/ all because they have debt thereby canceling loan eligibility. Dentist have garbage credit and 250k + in debt/loans but they always can get that loan to start a practice, because banks have guarantees on that money returning, is D school not the same/similar.

Check out HPSA and the scholarships you can get there, your needs will put you higher up on the list.
Military
Find a mentor (dentist maybe) who believes in you and would be willing to cosign
Guard your credit from here on
research other options
Share your story


In your position things are difficult, things are not impossible and your going to be a great dentist.

 

[ktran17]

It's Called the financial aid department, People work there, and it is their job to provide the tools, resources, information, necessary to receive funding to cover school expense.

All I'm saying is, to each his own, To the guy above me, you say this happens to Canadians every year, why Canadians after all i'm sure there are WAAAYY more poor w/bad credit students accepted from america than Canada, so if what you say is true wouldn't the better fact be "this happens to students in the US every year"

We're in a world of possibilities not because this or that person says so, but because certain people fight for there goals, What about scholarships, what about need based scholarships from the Dental school, What about when this guy speaks of his amazing triumph HOMELESS to DENTAL SCHOOL, but wait america I will actually remain homeless despite my clear, deserving aptitude for this field, because I have credit card debt. Yeah Right.

Furthermore, majority of Undergrad students. accumulate ridiculous credit card debt, are these people all out of MED/DENTAL/PHARMACY/PODIATRY/ all because they have debt thereby canceling loan eligibility. Dentist have garbage credit and 250k + in debt/loans but they always can get that loan to start a practice, because banks have guarantees on that money returning, is D school not the same/similar.

Check out HPSA and the scholarships you can get there, your needs will put you higher up on the list.
Military
Find a mentor (dentist maybe) who believes in you and would be willing to cosign
Guard your credit from here on
research other options
Share your story


In your position things are difficult, things are not impossible and your going to be a great dentist.

Actually, most dentists I know have fabulous FICO scores despite their high debt to wealth ratio. What exactly are you arguing? It is not fine to have credit delinquencies, because ultimately these student loans are backed up by the tax payers themselves. Just because "a lot" of undergraduates have credit card debt doesn't make it ok. I'm sick and tired of everyone making excuses for themselves. Own up to your actions and hold yourself accountable. I came from a low socioeconomic background too so I know it's not impossible. Like I said, you don't need a fabulous FICO to get plus loans, you just can't have delinquencies, they are related but not the same.

 

[Glimmer1991]

It's Called the financial aid department, People work there, and it is their job to provide the tools, resources, information, necessary to receive funding to cover school expense.

All I'm saying is, to each his own, To the guy above me, you say this happens to Canadians every year, why Canadians after all i'm sure there are WAAAYY more poor w/bad credit students accepted from america than Canada, so if what you say is true wouldn't the better fact be "this happens to students in the US every year"

We're in a world of possibilities not because this or that person says so, but because certain people fight for there goals, What about scholarships, what about need based scholarships from the Dental school, What about when this guy speaks of his amazing triumph HOMELESS to DENTAL SCHOOL, but wait america I will actually remain homeless despite my clear, deserving aptitude for this field, because I have credit card debt. Yeah Right.

Furthermore, majority of Undergrad students. accumulate ridiculous credit card debt, are these people all out of MED/DENTAL/PHARMACY/PODIATRY/ all because they have debt thereby canceling loan eligibility. Dentist have garbage credit and 250k + in debt/loans but they always can get that loan to start a practice, because banks have guarantees on that money returning, is D school not the same/similar.

Check out HPSA and the scholarships you can get there, your needs will put you higher up on the list.
Military
Find a mentor (dentist maybe) who believes in you and would be willing to cosign
Guard your credit from here on
research other options
Share your story


In your position things are difficult, things are not impossible and your going to be a great dentist.

First of all... I agree with your first paragraph. Yes, financial aid is available. That is why it makes NO SENSE for the OP to be homeless during undergrad. There are loans available. In addition to that, plenty of people work part-time jobs during undergrad, too... and they still manage to do well.

Second of all... I am clearly a female.

Third of all... Canadians are the people I can think of off-hand who straight-up can't get ANY loans. The OP should be able to get SOME loans (Federal Direct). It's the Direct PLUS loans that are an issue, and he might need them to cover all of his expenses.

Speaking of need based scholarships for dental school... Just about every traditional applicant I know has "need" when going to dental school. You don't have to include parental information. My EFC is $0 through the FAFSA, and I don't come from a poor background. I didn't qualify for any aid for undergrad (because of my parents), but I qualify for large loans for dental school. So, the whole concept of "need based scholarships" is kind of a moot point, since just about everyone has need. The OP might qualify for subsidized loans if he includes his parents' info, but I'm not very familiar with these loans.

And yes, if you have terrible credit and delinquencies, it WILL affect your eligibility for PLUS loans. A cosigner might be a saving grace. You are making sweeping generalizations about undergrad students, but I would hope that *most* people going into a medical profession would have the wherewithal and self discipline to not get themselves into boatloads of CC debt.

Student loans, in themselves, don't wreck your credit score. This only happens if you don't pay them.

 

[Titus Times]

Actually, most dentists I know have fabulous FICO scores despite their high debt to wealth ratio. What exactly are you arguing? It is not fine to have credit delinquencies, because ultimately these student loans are backed up by the tax payers themselves. Just because "a lot" of undergraduates have a lot of credit card debt doesn't make it ok. I'm sick and tired of everyone making excuses for themselves. Own up to your actions and hold yourself accountable. I came from a low socioeconomic background too so I know it's not impossible. Like I said, you don't need a fabulous FICO to get plus loans, you just can't have delinquencies, they are related but not the same.

I never said these things were "OK". I am arguing the point that there are other possibilities to move forward with yourself/goals after these mistakes. There is no excuse given, he's owned his position and is moving forward with it.

First of all... I agree with your first paragraph. Yes, financial aid is available. That is why it makes NO SENSE for the OP to be homeless during undergrad. There are loans available. In addition to that, plenty of people work part-time jobs during undergrad, too... and they still manage to do well.

Second of all... I am clearly a female.

Third of all... Canadians are the people I can think of off-hand who straight-up can't get ANY loans. The OP should be able to get SOME loans (Federal Direct). It's the Direct PLUS loans that are an issue, and he might need them to cover all of his expenses.

Speaking of need based scholarships for dental school... Just about every traditional applicant I know has "need" when going to dental school. You don't have to include parental information. My EFC is $0 through the FAFSA, and I don't come from a poor background. I qualified for no aid for undergrad, but I qualify for large loans for dental school. So, the whole concept of "need based scholarships" is kind of a moot point, since just about everyone has need. The OP might qualify for subsidized loans if he includes his parents' info, but I'm not very familiar with these loans.

And yes, if you have terrible credit, it WILL cancel your loan eligibility for PLUS loans. You will need a cosigner as a savings grace. You are making sweeping generalizations, but I would hope that *most* people going into a medical profession would have the wherewithal and self discipline to not get themselves into boatloads of CC debt.

Student loans, in themselves, don't wreck your credit score. This only happens if you don't pay them.

lol my apologies in regard to your gender.

Thanks for clearing that up, that was some good points and useful information you provided, I think others will appreciate it as well.

Since most people as we know have a "need" to cover dental school, and alot of students do have debt of various kinds are students actually being rejected for that, The options those students followed would be great advice for the OP.

 

[Glimmer1991]

lol my apologies in regard to your gender.

Thanks for clearing that up, that was some good points and useful information you provided, I think others will appreciate it as well.

Since most people as we know have a "need" to cover dental school, and alot of students do have debt of various kinds are students actually being rejected for that, The options those students followed would be great advice for the OP.

Haha, it's okay! I just think it's funny when I get called a dude on here.

It's not the debt, in itself, that causes trouble when it comes to getting grad school loans. Many people have undergrad loans. The thing that's an issue is having debt that hasn't been properly handled.

My best advice for the OP is to try to take out undergrad loans that will enable him to have a stable living situation. From that point, get a job. After that, start paying off those CC debts.

 

[Jordan1671]

OP, I think everybody is being a little blunt with you because they probably don't want to see you crash and burn. Given, they are looking at it through their perspective and experiences with no knowledge of who you are as a person except for the few things mentioned on this thread. That said, I think you shouldn't disregard everything that is said here that is against your current plans and even more so, try to step back and be rational. Most people here are all for you being a dentist, but there's certainly a time and place. Just disregard all the comments calling you out as a troll...I think those are uncalled for in a serious thread like this anyways.

I want to evaluate on a few examples you have mentioned, and please correct me if I'm wrong. It was stated that you didn't want to get a job because you wanted to get a good GPA. That's fine and totally understandable. You took out huge amount of debt just to finish undergrad, and risking such a large investment with a temporary job just doesn't sound smart. That's definitely true. Just be aware and take into consideration that when (for the sake of this scenario) you get loans for tuition + supplies, you will need to find even more money or take even larger loans for food + housing. You said so yourself that living homeless causes you strain on your grades. When I look at the ADEA guide to dental schools, I see an additional 100K+ tacked onto the tuition just for living expenses and transportation for 4 years. Can you afford to do this for 4 years where academia is much harder, you will have less time, and stress will be at an all-time high? You really need to be honest with yourself here and take into account ALL your expenses and projected future expenses. Keep into account that dental school tuition increases 5% every year as well, but if you get a military loan, that would be negated of course.

Now, it is my personal opinion, which you don't have to abide or even take note of, that in the grand scheme of things, a few years won't affect your life too much. But if you can use those few years (maybe 1 or so) to get a full time job or two, really haul ass, earn money to raise yourself out of debt and have pocket money for dental school so you won't be stressed unnecessarily in dental school (which increases your chances of not failing and thus, not wasting 200-300K), then I think the extra time for financial preparation may be worth the long term investment of dental school. Also keep in mind that this allows you to take more time to study the DAT, other academic sources, etc. which will also prepare you or make you a better candidate.

I don't think ANYBODY here wants to deter you away from you - or hell, anybody's - dream. We all have the right for the pursuit of happiness, but pursuit doesn't mean you need to achieve your dreams tomorrow. You mentioned that you will go to all ends to achieve your dream and you will work to the bone for it. Well then show that by being tenacious and sticking to the entire lengthy process of being financially sound, and ready to focus 100% on dental school.