Incoming D1, am I crazy to drop all my acceptances because of the absurd cost of education?

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Yeah but you’re also stuck living in your house… and it’s heavily leveraged. Imo housing is better thought of as consumption, or a luxury, rather than an investment. I wouldn’t even count it in net worth. If your home is your most valuable asset at the end of your career then you have screwed up.

Imo It’s better to keep your living costs low so that you can invest more.
Correct. Having a ton of your money tied up in a non-liquid asset, which should you need to sell for some cash, you now need to buy another one, doesn’t strike me as a great move. The houses in the not as nice part of town also went up in value like yours did.

Houses appreciate at about 3-5% per year. The stock market is around 10%, but you could call it 7%, take out 20% for capital gains tax, and still be at the average housing market. Also, if you think the stock market is hard to predict, try the housing market. With mortgage rates currently around 6 at best, especially for a jumbo loan, and the mortgage interest tax break not being all it’s made out to be, there’s a very strong chance you’re coming out behind if it’s your primary residence. Investment properties can be a different story, but again, not liquid unless you’re doing rental income, which is another can of worms.

To try to tie it back to the OP, the question with student loans is return on investment. In theory with a house, even with inflation, you more or less come out the same or better if you buy one, and if you go broke it can be sold in bankruptcy. Student loans don’t work that way. You’re betting that you will make enough to get them off the books at some point or that the repayment programs work and will do it for you down the line. You can’t get rid of them. If you can leverage them to an income that makes sense for financial independence and retirement in a reasonable time period, fantastic.
 
You could make a lot of money in real estate investment 10-15 yrs ago. I bought all 3 of my investment properties during the housing market crash in 2008 and I only paid 1/3 as much as what they are worth today. The interest rates were also much lower. Not a lot people could do this because the 2008 foreclosure crisis made it tougher for people to get the loan approvals from the banks. I wouldn’t have been able to buy these properties if I wasn’t a dentist. It’s a nice source of passive income for my future retirement. I rented a $300k house out for $1900/month when I first bought it…..and the rent has gone up $3000/month. But if you buy this same house now, it would cost you almost $1M…. and you would lose money if you only charge your tenant $3000/month in rent. That’s why I stopped buying new properties. Now I just invest in ETFs, mutual fund, high yield saving accounts, Treasury bills, and very small amount in BTC. I’ve also maxed out the 401k contribution (through my own S-Corp) since graduation.

“$2 million is nothing. Don’t retire if you don’t have at least $5 million or $10 million saved.” Said Suze Orman. And I believe her. I keep working to save more despite having been 100% for more than 4 years. At least I am not stress out about work and money like I used to be in the past, when I still had debt.
 
Dentistry is worth it if you're willing to work hard to pay back the debt, whether you decide to pursue general or a specialty...it's a very rewarding career. Regardless, choose cheapest school and don't think twice about that part. Hard work is what ultimately gets you into residency programs....you will still need the good grades and a good CBSE score irrespective of which dental school you attend. An Ivy League name can't compensate for a poor CBSE score or poor grades...you still need everything any other student would need to successfully match so it's best to save money and work hard at your cheapest option.
 
Dentistry is worth it if you're willing to work hard to pay back the debt, whether you decide to pursue general or a specialty...it's a very rewarding career. Regardless, choose cheapest school and don't think twice about that part. Hard work is what ultimately gets you into residency programs....you will still need the good grades and a good CBSE score irrespective of which dental school you attend. An Ivy League name can't compensate for a poor CBSE score or poor grades...you still need everything any other student would need to successfully match so it's best to save money and work hard at your cheapest option.
its really not that simple tbh. if I was doing it again and knew I was doing OMFS 100%, I wouldnt think twice, and would go to Columbia/Harvard over a state school.

Getting a good CBSE is much easier from these schools and you dont have to even worry about grades because they are P/F. You can spend all your energy on CBSE, networking, research, etc. While people at state schools have to maintain their rank, grind and self-teach themselves a medical curriculum for CBSE, balance heavy clinical requirements, etc.

Makes your life just so much easier on this already difficult journey.
 
its really not that simple tbh. if I was doing it again and knew I was doing OMFS 100%, I wouldnt think twice, and would go to Columbia/Harvard over a state school.

Getting a good CBSE is much easier from these schools and you dont have to even worry about grades because they are P/F. You can spend all your energy on CBSE, networking, research, etc. While people at state schools have to maintain their rank, grind and self-teach themselves a medical curriculum for CBSE, balance heavy clinical requirements, etc.

Makes your life just so much easier on this already difficult journey.
Obviously you can get into omfs from any school.

But some school are going to make it easier. These are typically the Ivy League dental schools. Some of these schools even have the dental students take the same classes as the med students which, in my opinion, is definitely going to help with the cbse. They also have low graduating clinical requirements, which offsets the missed amount of time in clinic from taking a lot of externships. The pass/fail also makes things easier.

They market themselves to high performing predents during interviews, regarding their successful match rates.

I don’t understand the thumbs down you are getting for your post. Your just trying to help the op lol
 
Obviously you can get into omfs from any school.

But some school are going to make it easier. These are typically the Ivy League dental schools. Some of these schools even have the dental students take the same classes as the med students which, in my opinion, is definitely going to help with the cbse. They also have low graduating clinical requirements, which offsets the missed amount of time in clinic from taking a lot of externships. The pass/fail also makes things easier.

They market themselves to high performing predents during interviews, regarding their successful match rates.

I don’t understand the thumbs down you are getting for your post. Your just trying to help the op lol
Yup. Of course you can match from any school, but the truth is ive seen very smart, capable people basically have their desire to specialize beaten out of them because their school made it so difficult. If you go to Columbia/Harvard and you want to do OMFS you will.
 
What is the student debt load that makes OMFS not worth it? With ivies costing about 700k now and half of OMFS residencies being 6 years long with med student tuition, OMFS can easily cost someone over 1 million dollars. Would you still do OMFS with greater than one million dollars in debt? This isn't rhetorical. Genuinely curious your thoughts. @toothnumber32 @0bliqueridge
 
Yup. Of course you can match from any school, but the truth is ive seen very smart, capable people basically have their desire to specialize beaten out of them because their school made it so difficult. If you go to Columbia/Harvard and you want to do OMFS you will.
Some dental school actively try to prevent students from going OMS. They foster a negative perception of OMS.
 
I don't disagree that attending Harvard or Columbia would make your life easier for OMFS/CBSE because of the med curriculum. But To do OMFS you have to work hard regardless of where you graduate from...sure there are schools that make life "easier" but I don't think it's worth 100ks more. And the CBSE is a unique enough exam that even if you have a med curriculum, you would still need to put in the extra work and time....that's why in med school they have extra time in their curriculum devoted to the step exam.

Maybe Columbia and Harvard are different, but I go to Penn and nothing here makes oral surgery or any specialty easier to match into relative to a state school. The type of students these schools attract are what makes the match rates appear so high; if you put these same students at state schools, you would get the same outcome. I used to believe the name somehow opened doors (which is why I chose Penn), but my experience has been very different and my perception has changed, so Im trying to help out future predents by telling them to save money and attend their cheapest school. If you can do OMFS from an Ivy League then you have what it takes to do it anywhere- it's hard work and extra time that gets you there.
 
I don't disagree that attending Harvard or Columbia would make your life easier for OMFS/CBSE because of the med curriculum. But To do OMFS you have to work hard regardless of where you graduate from...sure there are schools that make life "easier" but I don't think it's worth 100ks more. And the CBSE is a unique enough exam that even if you have a med curriculum, you would still need to put in the extra work and time....that's why in med school they have extra time in their curriculum devoted to the step exam.

Maybe Columbia and Harvard are different, but I go to Penn and nothing here makes oral surgery or any specialty easier to match into relative to a state school. The type of students these schools attract are what makes the match rates appear so high; if you put these same students at state schools, you would get the same outcome. I used to believe the name somehow opened doors (which is why I chose Penn), but my experience has been very different and my perception has changed, so Im trying to help out future predents by telling them to save money and attend their cheapest school. If you can do OMFS from an Ivy League then you have what it takes to do it anywhere- it's hard work and extra time that gets you there.
What exactly are the clinical graduation requirements at Penn ?
Is it pass fail ?
 
What exactly are the clinical graduation requirements at Penn ?
Is it pass fail ?
I attended a local state school and one of my colleagues was dating a Penn student. From what I heard they have ranking from 1-10 then everyone else is number 11. I think they have GPAs though.

As far as clinical requirements, I don't know much about them, but my colleague was telling me they had to share a denture case during 3rd/4th year since there weren't that many cases.

These are all anecdotes so...
 
I don't disagree that attending Harvard or Columbia would make your life easier for OMFS/CBSE because of the med curriculum. But To do OMFS you have to work hard regardless of where you graduate from...sure there are schools that make life "easier" but I don't think it's worth 100ks more. And the CBSE is a unique enough exam that even if you have a med curriculum, you would still need to put in the extra work and time....that's why in med school they have extra time in their curriculum devoted to the step exam.

Maybe Columbia and Harvard are different, but I go to Penn and nothing here makes oral surgery or any specialty easier to match into relative to a state school. The type of students these schools attract are what makes the match rates appear so high; if you put these same students at state schools, you would get the same outcome. I used to believe the name somehow opened doors (which is why I chose Penn), but my experience has been very different and my perception has changed, so Im trying to help out future predents by telling them to save money and attend their cheapest school. If you can do OMFS from an Ivy League then you have what it takes to do it anywhere- it's hard work and extra time that gets you there.

Each dental school has different number of clinical requirements to graduate. That's just a fact. I don't disagree that you have to work hard wherever you go to match into OMFS, but some schools are not as strict in grading during the pre-clinical/clinical years. Classes like dental anatomy waxing, operative dentistry, dentures, etc can really hammer you if you are not somewhat naturally good with your hands. You also get different faculties grading your practicals and it's really subjective.

For most state schools, the bulk of your GPA will be made up from classes like fixed pros, operative dentistry, etc. Also, during the 4th year, the number of cases you completed will determine your grades.

I am not saying you can not be a good dentist by attending those ivy league schools( I have seen some that graduated from them and are good). But if you are just strictly comparing clinical requirements, they are generally much lower hence most of them specialize.
 
What exactly are the clinical graduation requirements at Penn ?
Is it pass fail ?

I attended a local state school and one of my colleagues was dating a Penn student. From what I heard they have ranking from 1-10 then everyone else is number 11. I think they have GPAs though.

As far as clinical requirements, I don't know much about them, but my colleague was telling me they had to share a denture case during 3rd/4th year since there weren't that many cases.

These are all anecdotes so...
I graduated in 2022. The top 10 were ranked and nothing beyond that. We did have a GPA. I think they may have recently restructured things, though. I think now if you fail an exam you can retake it and get an 80% or something crazy.

We never once had to share denture cases/work on them together. As graduation approached if a 4th year didn’t have their requirements completed and needed another denture, then sometimes the group leader would choose to give that case to the 4th year to help them out. It wasn’t an issue often.

If I remember correctly I think we had to do 8 crowns at a minimum, 3 root canals, maybe 4 complete dentures and 3 partial dentures, restore 2 implants. I forget how many extractions and nitrous cases we had to do. I forget how many fillings we had to do. I felt well prepared when I graduated, but as always I feel like I learned the most when I graduated and was actually working on patients. Penn was good for the fundamentals and the treatment planning education.
 
I graduated in 2022. The top 10 were ranked and nothing beyond that. We did have a GPA. I think they may have recently restructured things, though. I think now if you fail an exam you can retake it and get an 80% or something crazy.

We never once had to share denture cases/work on them together. As graduation approached if a 4th year didn’t have their requirements completed and needed another denture, then sometimes the group leader would choose to give that case to the 4th year to help them out. It wasn’t an issue often.

If I remember correctly I think we had to do 8 crowns at a minimum, 3 root canals, maybe 4 complete dentures and 3 partial dentures, restore 2 implants. I forget how many extractions and nitrous cases we had to do. I forget how many fillings we had to do. I felt well prepared when I graduated, but as always I feel like I learned the most when I graduated and was actually working on patients. Penn was good for the fundamentals and the treatment planning education.

Completely agree that a lot of the learning comes after graduation(I am 6.5 years out). Just as a comparison(not trying to brag) as a minimum we had to do 19 crowns, 12 arches of removable, and 400 pts of operative(all of these get you a C on your transcript so I imagine most students did way more than these). I heard some schools like ASDOH, UOP, Midwestern did more(just anecdotes)
 
What exactly are the clinical graduation requirements at Penn ?
Is it pass fail ?
we have 7 denture arches, 28 SRPs, 7 Class 2's, 7 Class 3's, 2 implants, 10 crowns
those are the major things
and like 4,000 points to reach

it may be more intense at other schools in this regard, but we also have night clinic, too, and the school is definitely transforming into one where it prepares students better for general dentistry. Nothing is P/F anymore. All graded
 
Each dental school has different number of clinical requirements to graduate. That's just a fact. I don't disagree that you have to work hard wherever you go to match into OMFS, but some schools are not as strict in grading during the pre-clinical/clinical years. Classes like dental anatomy waxing, operative dentistry, dentures, etc can really hammer you if you are not somewhat naturally good with your hands. You also get different faculties grading your practicals and it's really subjective.

For most state schools, the bulk of your GPA will be made up from classes like fixed pros, operative dentistry, etc. Also, during the 4th year, the number of cases you completed will determine your grades.

I am not saying you can not be a good dentist by attending those ivy league schools( I have seen some that graduated from them and are good). But if you are just strictly comparing clinical requirements, they are generally much lower hence most of them specialize.
I don't disagree with you, but I will say the grading in clinic and GRD courses isn't easy. It really depends on faculty and dentistry can be very subjective. And there is favoritism. There is so much about this experience that I could really go on for hours and hours...

but I only have Penn as my experience. I don't really know how I would feel if I were at a state school or elsewhere. Perhaps it would be better or worse.
 
I think so, lol
but we end up doing SO many
everyone needs restorations and we need to hit that point requirement
*by everyone, I mean patients
restorations are found everywhere

my point is, even though the requirement is low, we all have plenty and do plenty
 
I think so, lol
but we end up doing SO many
everyone needs restorations and we need to hit that point requirement
Insanely low minimum. There's no way you're equipped to be a dentist with that few of restorations. I'm pretty sure when I was in dental school the requirement was around 100.
 
Insanely low minimum. There's no way you're equipped to be a dentist with that few of restorations. I'm pretty sure when I was in dental school the requirement was around 100.
Yup. We had axium and I still remember that a 1,2, and 3 surface restoration gives you 3,5, and 7 points respectively. We need to get 400 pts as a minimum to get a C.
 
26 crowns
>350 fillings
>500 extractions
10 RCT (including 1 endo retreat)
11 arches removable.

This is what I graduated with.


The schools requirements were
20 crowns
6 root canals ?
5 arches removable
125 fillings

This is way back so my numbers may be off a little.


I’ve heard of omfs residents who went to schools that were wayyy lax in requirements. Made life so much easier to graduate.
Some dental students are sweating blood trying to graduate on time and fulfill their requirements to get to residency.

I met this one guy on the interview trail back in 2010… he went to one of the dental schools in Texas and he did over 50 crowns and casted them all himself. His graduation requirements were insanely high.
 
So I’ve searched and asked around the internet regarding my chances of getting into medical school. It’ll probably take me until mid 2026 to apply if everything goes well.

Some docs and med students told me that they wish they were dentists/dental students and I should just stick it out. Is the grass always greener on the other side? Or do you think they just don't know the realities of dentistry?

From what you know now and the future you see for the profession, do you think medicine or dentistry looks more promising? All I hear on both sides is reduced compensation, burn out, etc. make each hate their job.
 
Some docs and med students told me that they wish they were dentists/dental students and I should just stick it out.
Because they don't understand the cost of dental education, how much dentists actually make, and how bad saturation is. Friends in my class left with 500k+ and only made 125k.
From what you know now and the future you see for the profession, do you think medicine or dentistry looks more promising?
Medicine does but healthcare as a whole has been going downhill. Look into HPSP and NHSC if you wanna stick it out and do dentistry but do not go into 600k for this profession I beg you.
 
In all seriousness, I really have no pity for anyone that goes into the field with all the info online about dentistry. Dental incomes peaked along time ago. Debt is increasing and wages are falling as we eat more of the costs to do business.

8 years of your life to do fillings with 2010 prices while giving out free toothbrushes to attract new patients.

What a terrible outlook on a job. You are better off going into trade or even medicine. Mid level provider is where the $ is at. Low debt. Less liability. Not much schooling and good $.
 
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Both medicine and dentistry have their downsides. Dental is very competitive to get a job depending on where you work. Owning a practice is a huge headache.
Medicine you have to deal with a lot of politics. Also with dentistry you know what you’ll be doing as far as your career. If you go to medical school you don’t know if you’ll be doing surgeries for the rest of your life or be a psychiatrist or radiologist and not touch a patient.

As mentioned earlier look into the military. It’s a great gig if you want your school paid for. I have no student loans.
 
So I’ve searched and asked around the internet regarding my chances of getting into medical school. It’ll probably take me until mid 2026 to apply if everything goes well.

Some docs and med students told me that they wish they were dentists/dental students and I should just stick it out. Is the grass always greener on the other side? Or do you think they just don't know the realities of dentistry?

From what you know now and the future you see for the profession, do you think medicine or dentistry looks more promising? All I hear on both sides is reduced compensation, burn out, etc. make each hate their job.
I think it depends on the type of person you are and the life you envision yourself living.

Are you okay with delaying your income into your late 20s or early 30s or would you rather start making income sooner? Medicine has a delay in income compared to dentistry.

Do you feel that you have an average work ethic for someone going to professional school or do you think you’re able to work harder than average? The average physician likely makes more than the average dentist. Although, the ceiling for a dental business owner is arguably higher.

Do you have strong desires to be a business owner or would you rather work for a large health system with benefits? It’s a lot more common to own a business in dentistry, but the health and retirement benefits from a hospital are nice!

How much does debt scare you? Dental school tends to cost more than medicine.

Your answers to these types of questions matter.

For someone like me, who has always been interested in owning my own business, was willing to “live and work like a resident” when I graduated dental school, had a plan to limit my debt and pay back my loans fast, and am taking advantage of the investment opportunities that exist when you have a high income at a young age, dentistry was entirely more worth it.

For other people, medicine might be a better option. Figure out what you want out of life and which career your values align with.
 
So I’ve searched and asked around the internet regarding my chances of getting into medical school. It’ll probably take me until mid 2026 to apply if everything goes well.

Some docs and med students told me that they wish they were dentists/dental students and I should just stick it out. Is the grass always greener on the other side? Or do you think they just don't know the realities of dentistry?

From what you know now and the future you see for the profession, do you think medicine or dentistry looks more promising? All I hear on both sides is reduced compensation, burn out, etc. make each hate their job.
The reality is there are losers and winners in both fields. There is likely a bigger income difference amongst dentists than between physicians and dentists. Although average income favors physicians the fields are too variable to say you will be more financially successful in one versus the other. Also, no one can predict the future. The biggest downside to me is the debt involved with both professions.
Being on the other side the best advice I can offer is to do whichever career interests you most.
 
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So you wasted years of doing bio major..skipping enjoying schools and working your butt off, sacrificed hours, relationships, and possible opportunities...only to decide now to let go of your life dream and listen to online dentists telling you not to go?

What you gonna do now?

Work as a bio lab technician? See people who are dentists while you blew it?

Get your acceptance and go to school...stop wasting time!

Other option is to waste 2 yrs doing master degree to get into a cheaper school..but you waste 2 yrs of dental income with that
 
So you wasted years of doing bio major..skipping enjoying schools and working your butt off, sacrificed hours, relationships, and possible opportunities...only to decide now to let go of your life dream and listen to online dentists telling you not to go?

What you gonna do now?

Work as a bio lab technician? See people who are dentists while you blew it?

Get your acceptance and go to school...stop wasting time!

Other option is to waste 2 yrs doing master degree to get into a cheaper school..but you waste 2 yrs of dental income with that
Go on Reddit salary group. There are many jobs that pay 6 figures without the debt.

Open up your eyes
 
Go on Reddit salary group. There are many jobs that pay 6 figures without the debt.

Open up your eyes

I don’t think that’s what FaeFly means.

I think they were saying after all the time and effort of obtaining the prerequisite for dental school, and after all the cost in opportunity during those time - all to back track because of the financial cost of dental school is ALSO costly.

Sure you can get 6 figure salaries without the debt, but that’s something you should’ve figured before going on the dental track.
 
I don’t think that’s what FaeFly means.

I think they were saying after all the time and effort of obtaining the prerequisite for dental school, and after all the cost in opportunity during those time - all to back track because of the financial cost of dental school is ALSO costly.

Sure you can get 6 figure salaries without the debt, but that’s something you should’ve figured before going on the dental track.
yeah at this stage if you’ve already gone through life sciences… it’s kinda useless in of itself.

The option to have been a cpa or software engineer is long gone.

Just be a dentist and hope you get into omfs.
 
I don’t think that’s what FaeFly means.

I think they were saying after all the time and effort of obtaining the prerequisite for dental school, and after all the cost in opportunity during those time - all to back track because of the financial cost of dental school is ALSO costly.

Sure you can get 6 figure salaries without the debt, but that’s something you should’ve figured before going on the dental track.
I see. So the idea is you are already screwed so might as well make add a few more hundred k what’s the problem. Lol
 
I see. So the idea is you are already screwed so might as well make add a few more hundred k what’s the problem. Lol

That’s not what I’m trying to saying. There is “no mess up” and I’m not suggesting that anyone has screwed up if they’ve gotten this far.

If you’ve gotten to this point, you’ve already invested a lot of time and effort such as your early years and money taking in classes for the pre requisite for Dentristy.

It is known that dentistry is one of the most if not the most expensive graduate degree averaging 300k + in loans.

If OP wants to back out, it’s their choice

This forum is to help our peers and colleagues and not to put anyone down

It is a bummer for anyone to put in all this work to “say it’s a lot of money to invest, I’m going to find some other career”
 
That’s not what I’m trying to saying. There is “no mess up” and I’m not suggesting that anyone has screwed up if they’ve gotten this far.

If you’ve gotten to this point, you’ve already invested a lot of time and effort such as your early years and money taking in classes for the pre requisite for Dentristy.

It is known that dentistry is one of the most if not the most expensive graduate degree averaging 300k + in loans.

If OP wants to back out, it’s their choice

This forum is to help our peers and colleagues and not to put anyone down

It is a bummer for anyone to put in all this work to “say it’s a lot of money to invest, I’m going to find some other career”
While you have a point- there are many careers one can pivot with a biology degree. If you have invested time and money into your degree for a healthcare job there are other professions like physician assistant, nurse, physical therapy, occupational therapy, pharmacist, medical doctor and so on.

There’s nothing wrong with exploring other options and there’s nothing wrong with keeping it real about dentistry. It’s expensive and reimbursement hasn’t kept up since 2010 for a lot of us.
 
That’s not what I’m trying to saying. There is “no mess up” and I’m not suggesting that anyone has screwed up if they’ve gotten this far.

If you’ve gotten to this point, you’ve already invested a lot of time and effort such as your early years and money taking in classes for the pre requisite for Dentristy.

It is known that dentistry is one of the most if not the most expensive graduate degree averaging 300k + in loans.

If OP wants to back out, it’s their choice

This forum is to help our peers and colleagues and not to put anyone down

It is a bummer for anyone to put in all this work to “say it’s a lot of money to invest, I’m going to find some other career”
Welcome to Red Pill ideology
 

This to me doesn’t inspire confidence. Declining income, more work hours, more overhead. And this doesn’t count overhead. 250k in 2010… and 218k in 2023? Yeah ok what about inflation . Lol
 
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