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Why can't your wife work while your children are in school?
I'm having a hard time with your reasoning. I have two children ages 9 and 7. I am doing well in my classes and I have no shortage of time to spend with my children. I do not work and we are all doing very well making the bills. It almost sounds like you're using your children as a crutch or an excuse to do poorly. I agree that your family comes first, but there is still plenty of room for medical school.
Why can't your wife work while your children are in school?
Looks like you need less time planning for med school and more time planning for a good divorce attorney.
I guess I'm screwed!
Have her teach preschool or something. $10k is still $10k more than nothing. You are going to want to ram your face into a sharp pole when $300k in loans to pay for school and support your family comes barreling down on you after school is finished, especially if you plan on going into a non-competitive residency.A 9 to 2:30 job would work, but it would bring in about $10,000 per year at most (before tax) at her current earning potential. It's still not even close.
People borrow $80k on a regular basis. The other $20k can come from that $10k/year we just discussed with an extra $20k for extra expenses.In the above example, does your spouse work? If so, that's why things seem so easy. If there's a source of income other than financial aid, then the whole money issue disappears.
I don't agree with your claim that I'm using my kids as an excuse to do poorly though - not quite sure where that comes from in fact. I too would have ample time to study in medical school and be with my family if I had the funds available to pay for it all. It's got nothing to do with me wanting to do badly. Perhaps the title of the thread is misleading. The kids aren't going to make me fail. The lack of time if I have to consider working is what'll make me fail. I've been flexible with the family side of higher education before, but tossing working into that situation spoils the recipe somewhat.
Let me toss out some figures:
Med school student budget: about $15K to cover food, housing, transport, the whole lot.
My expenses:
1 - Mortgage. About $2K. I'm already $9K over budget.
2 - Food. $400 per month? Now up to $13.5K over budget.
3 - Gas. $200 per month? You get the idea.
In my rough calculations (which I won't bore you all with here), I'm running short by about a couple of grand a month. And that's short by a couple of grand in immediate costs, not costs that can be deferred through more borrowing. Remember, those costs are in excess of what financial aid will cover.
Where does that cash come from? (Seriously, does anybody know where I can get that cash from? If so, send me a link.)
I figure that if I get myself into tip top financial shape (that is, no consumer debt, no car payments etc.) before medical school, I'm still looking at a deficit of about $100K over the full four years.
Now, if I could figure out a way to borrow that $100K, I'd be set!
In the above example, does your spouse work? If so, that's why things seem so easy. If there's a source of income other than financial aid, then the whole money issue disappears.
People borrow $80k on a regular basis. The other $20k can come from that $10k/year we just discussed with an extra $20k for extra expenses.
No... my wife does not work, but we don't have a $2000/month mortgage either.
That $80K has to come from a private lender though, and I can't find one. It can't come from federally-backed student loans because it's in excess of the cost of attendance that the school sets. I was under the impression that if the school says the cost of attendance is $50K per year, then that's the absolute maximum that can be borrowed in student loans, even if my actual need is, say, $75K per year, and even if I could theoretically borrow $75K and still be under my aggregate limit for federally-backed student loan borrowing.
Basically, I need a private lender who lends without regard to cost of attendance.
Any ideas?
Most schools set the cost of living for $20-30k over the cost of tuition. For example, my school costs just under $20k and we can take out up to $40k. Only $8.5k of that is subsidized, but the other part is still federally funded loans. Anything over that $40k requires a high interest private lender.That $80K has to come from a private lender though, and I can't find one. It can't come from federally-backed student loans because it's in excess of the cost of attendance that the school sets. I was under the impression that if the school says the cost of attendance is $50K per year, then that's the absolute maximum that can be borrowed in student loans, even if my actual need is, say, $75K per year, and even if I could theoretically borrow $75K and still be under my aggregate limit for federally-backed student loan borrowing.
Basically, I need a private lender who lends without regard to cost of attendance.
Any ideas?
I see you slept through your ethics classes. I am glad to see that instead of fending for yourself, you would rather leach off the rest of society.Okay... here is my secret. My family and I get food stamps. Because I have children and because I am a full-time student we qualify for over $500 a month. I'm sure this varies across states and I am certain to spark some ethical debate among SDNers about using welfare, but it has been a HUGE help and one certainly worth checking into.
I see you slept through your ethics classes. I am glad to see that instead of fending for yourself, you would rather leach off the rest of society.
I see you slept through your ethics classes. I am glad to see that instead of fending for yourself, you would rather leach off the rest of society.
I see it was Blesbok who actually slept through the ethics classes.
Please. If it allows someone to make a better life for their family then that's exactly what programs like food stamps were designed for. And to put it in some pretty elementary terms (since that's what Blesbok seems to understand about ethics), Kris1 will pay far more back into the system when s/he is a physician than the amount 'taken out' as a medical student.
You're this vitriolic against a medical student on the system, I can only imagine how cheerful you'll be to your Medicaid patients. Good luck.
These programs are designed for the people that are incapable of providing for themselves, he is fully capable of taking out a few k more in loans per year and paying them back through his future salary. He is no different than a person that doesn't want to work so they collect welfare instead, except instead of not wanting to work, he doesn't want to pay. What makes one medical student any different than the thousands of others who manage to get by without welfare?I see it was Blesbok who actually slept through the ethics classes.
Please. If it allows someone to make a better life for their family then that's exactly what programs like food stamps were designed for. And to put it in some pretty elementary terms (since that's what Blesbok seems to understand about ethics), Kris1 will pay far more back into the system when s/he is a physician than the amount 'taken out' as a medical student.
You're this vitriolic against a medical student on the system, I can only imagine how cheerful you'll be to your Medicaid patients. Good luck.
These programs are designed for the people that are incapable of providing for themselves, he is fully capable of taking out a few k more in loans per year and paying them back through his future salary. He is no different than a person that doesn't want to work so they collect welfare instead, except instead of not wanting to work, he doesn't want to pay. What makes one medical student any different than the thousands of others who manage to get by without welfare?
Don't go to medical school if you aren't capable of paying for it without relying on the taxpayer to bail you out.
These programs are designed for the people that are incapable of providing for themselves, he is fully capable of taking out a few k more in loans per year and paying them back through his future salary.
Maybe you are too dense to realize this, but those laws are designed for single parents who are trying to further their education and during the process are physically incapable of providing for their family. If his wife worked at least a part time job, I would have more empathy.You misunderstand the purpose of food stamps. Despite what you believe, food stamps [and other government assistance programs] have special eligibility rules for students. Most students are perfectly capable of taking care of themselves [after all they could just withdraw and work a fairly well paying job], yet they still qualify. Weird how the laws governing food stamp eligibility completely disagree with you.
Also, all medical students using federally funded loans are accepting a form of government assistance. The government pays the interest on your subsidized loans while you're in school and guarantees a low interest rate on your unsubsidized loans. And yet this form of government handout is socially acceptable and you wouldn't dream of denigrating it as 'welfare'.
When you turn down your subsidized loans in favor of striking it out on your own with private lenders thus sparing the taxpayers the burden of supporting your education, then you have the moral high ground and can proselytize all you want. Just don't expect many people to listen to you.
Sorry for the thread hijack.
I'm gonna say that if I had to resort to food stamps to get through medical school, I'd probably work. I firmly believe that welfare, in all forms, should be given to those who cannot fend for themselves, not those who don't want to fend for themselves. (And yes, I have a problem with many of the plain ol' lazy people on welfare right now - they give the honest recipients a bad reputation).
$500 a month? That's 20 hours a month at a moderate $25 per hour. 5 hours a week. I think even the most hardcore student with a family could find 5 hours a week.
That said, each to their own. If a med student feels it's okay to go on food stamps, that's cool. I personally have my own "issues" - I feel it's okay to drive 5 to 10 mph over the speed limit. I feel it's okay to cheat a little on my taxes. Nobody's perfect and we all buck the system when we can.
I would expect that already considering she is a stay at home wife and he is a med student. If she stays at home and does nothing all day, he needs to find a better wife.Yeah, I imagine you could probably find time for 5 hours a week.... but you are going to require your wife to pull the majority of the domestic work so that you can find time to fit it all in.
Maybe you are too dense to realize this, but those laws are designed for single parents who are trying to further their education and during the process are physically incapable of providing for their family. If his wife worked at least a part time job, I would have more empathy.
I would expect that already considering she is a stay at home wife and he is a med student. If she stays at home and does nothing all day, he needs to find a better wife.
I am going to retract my previous statements. I don't feel it is wrong for you to collect welfare if you are both full time students. I apologize for jumping the gun on that one.She is a full-time student too. She was a single parent but we got married and I adopted the children.
I just hate stay at home moms like that. My friends stepmom used to stay at home all day. She would play computer games all day and then have the kids do ALL the housework. I wanted to punch her in the face. Needless to say she didn't like me all that much, because I didn't give her much respect.I just found it odd because he says that he's the one that gets up at 6:00 to get the kids ready for school in the morning and he's the one that picks them up at school in the afternoon and takes care of them, puts them to bed, etc.... If this is the kind of schedule he already keeps, then how is he putting in 50 hour work weeks already?
It sounds like he's either exaggerating the time his children require of him, or his wife isn't pitching in a whole lot.
I just found it odd because he says that he's the one that gets up at 6:00 to get the kids ready for school in the morning and he's the one that picks them up at school in the afternoon and takes care of them, puts them to bed, etc.... If this is the kind of schedule he already keeps, then how is he putting in 50 hour work weeks already?
It sounds like he's either exaggerating the time his children require of him, or his wife isn't pitching in a whole lot.
If she stays at home and does nothing all day, he needs to find a better wife.
I just hate stay at home moms like that. I wanted to punch her in the face. Needless to say she didn't like me all that much, because I didn't give her much respect.
Thanks for the dissection of my personal life!
If I can't live off that, I need to get a grip on reality.
The best part is that I would be able to devote all my "work time" to school, give myself the best shot of doing well, and end up somewhat more of a competitive applicant for a residency that'll lead to good money.
I'm not only a busy med student but also the major caregiver of my children.
Juggling both full-time mom and full-time med student is amazing.
No, I just have legitimate expectations that my wife put in the same amount of effort as I do in raising a family and keeping a fit home. Maybe you should work on getting some self respect and you would understand.Are you sure you don't have any unresolved anger issues towards women? Maybe a rape conviction in your past? Did your dad beat your mom and you thought it was cool?
That is impressive, but just not right. After your husband gets home from work, he should be doing the majority of the housework and childcare in order to allow you to learn. When you have a family, med school is more than a one person show.Sorry.... I didn't mean to. I was just a bit confused about your situation. Its different than mine.... since I'm not only a busy med student but also the major caregiver of my children. You sound like a great father and husband. Kudos to you . I wish my husband was half as involved as you are.
That is impressive, but just not right. After your husband gets home from work, he should be doing the majority of the housework and childcare in order to allow you to learn. When you have a family, med school is more than a one person show.
That is very noble of you for working so hard for your kids despite the time spent studying and going to school.Yep, I agree. He does help some, especially the week before my exams. I wouldn't say that I do a whole lot more than I should need to, but rather that less gets done because I just can't do it all and he doesn't do a whole lot to help.
He does do some housework.... mostly project type stuff that I refuse to touch, but when it comes to day to day stuff and especially getting the kids ready for daycare, picking them up after daycare, getting the family fed, bathed, put to sleep, changing diapers, taking out the trash, getting the dishes in the dishwasher, etc its all me. And yes, I do get after him about it (he considers it nagging...)
Next year he will just HAVE to step up. Theres no other way.
No, I just have legitimate expectations that my wife put in the same amount of effort as I do in raising a family and keeping a fit home. Maybe you should work on getting some self respect and you would understand.
That is very noble of you for working so hard for your kids despite the time spent studying and going to school.
Yeah, me too. Two of the guys I know that are pretty dominant in all of our classes have children (2 or more), are married, their wives can't work more than part-time, and they're actually getting food stamps as well. They both do extremely well in school - I have no kids, and I can't keep up with them at all. There's no reason to assume you're doomed from the start.OP, do you definitely want to do medicine? My first thought is that most of the best students in my med school class were married and many had children.
Now if my marriage lasts through residency.... that might be something to credit me with. (only partially kidding)
It sucks, but I can't think of a better test of a relationship than a residency, especially a non-lifestyle residency. IIRC you wanted to go into path, right?I don't know that its noble.... a lot of the stuff I do because if I didn't, it wouldn't get done, and its necessary. So.... my house isn't necessarily clean, but when we run out of plates, I have to do the dishes. When my kids start looking dingy, they get a bath, etc. I wouldn't consider it to my credit. It just needs to be done.
Now if my marriage lasts through residency.... that might be something to credit me with. (only partially kidding)
you wanted to go into path, right?