Medical School Financing

Started by jbrady2
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jbrady2

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I have a question that i cant seem to find an answer to.

I'm applying to med school and plan on paying for it myself.
My parents paid for my undergraduate and could financially afford to pay for med school (which will appear on the fafsa).

So my question is if they wont pay for it (they don't want to/won't) how do i go about getting financial aid.
Ill basically be going into it as if i were completely parentless or if they were completely broke.
It seems unfair that if they voluntarily wont pay I will be screwed out of financial aid because hey "could"

Any input?
Thanks
 
Someone correct me if I'm wrong, but I've heard from several financial aid presentations that when you apply for FAFSA for grad school, you're considered an independent and your parents' income is not included. You might have to report it, but they award you aid based on your income.
 
Someone correct me if I'm wrong, but I've heard from several financial aid presentations that when you apply for FAFSA for grad school, you're considered an independent and your parents' income is not included. You might have to report it, but they award you aid based on your income.

This is correct. However, schools usually request your parents' financial information (and thus request you fill out the section on parental information in the FAFSA) in order to determine aid awarded by the school itself (institutional aid).
 
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I have a question that i cant seem to find an answer to.

I'm applying to med school and plan on paying for it myself.
My parents paid for my undergraduate and could financially afford to pay for med school (which will appear on the fafsa).

So my question is if they wont pay for it (they don't want to/won't) how do i go about getting financial aid.
Ill basically be going into it as if i were completely parentless or if they were completely broke.
It seems unfair that if they voluntarily wont pay I will be screwed out of financial aid because hey "could"

Any input?
Thanks

I think you would go through Stafford loans from the government to cover your medical school tuition + living expenses. However, according to some random webpage I was reading, you can only borrow up to $40,500 a year for medical school expenses through Stafford loans? I'm not sure if that's accurate, but you might want to look at potential schools, because most schools will have you spending more than $40,500/year when you factor in living expenses.

Additionally, you have to start thinking about whether or not the special committee in congress will cut Stafford loan payments as part of a budgetary cut. Either way you should be thinking about your credit score and the strong possibility that you're going to need to take out private loans. That's a whole nother ball game and you should probably hire a professional in the financing field to advise you on how to shop around for loans and what you should do to secure your finances.
 
I think you would go through Stafford loans from the government to cover your medical school tuition + living expenses. However, according to some random webpage I was reading, you can only borrow up to $40,500 a year for medical school expenses through Stafford loans? I'm not sure if that's accurate, but you might want to look at potential schools, because most schools will have you spending more than $40,500/year when you factor in living expenses.

Additionally, you have to start thinking about whether or not the special committee in congress will cut Stafford loan payments as part of a budgetary cut. Either way you should be thinking about your credit score and the strong possibility that you're going to need to take out private loans. That's a whole nother ball game and you should probably hire a professional in the financing field to advise you on how to shop around for loans and what you should do to secure your finances.

Yes, there is a limit to what you can take out for Stafford loans, but any remaining need up to the calculated cost of attendance can be covered by Direct PLUS loans available to students in graduate or professional school.
 
This is correct. However, schools usually request your parents' financial information (and thus request you fill out the section on parental information in the FAFSA) in order to determine aid awarded by the school itself (institutional aid).

This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.
 
This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.

You have to think of a loophole.

Off the top of my head, the most basic loophole would be if they don't claim you as a dependent, I don't know if that itself would rectify it?

Additionally, you could legally disown your parents, but that'd make for some awkward christmas gatherings.
 
This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.


You'll still be awarded federal loans (tuition + living expenses). FWIW, my school didn't request info about parents. You could talk to the financial aid department if it ended up being an issue, which it won't.

(+ lol @ rich kid complaining about FA fairness)
 
This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.

You could let the financial aid office know that even though your parents are capable, they will not be providing you any assistance.

But as far as fairness goes, well...I am unable to sympathize with you there.
 
This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.
You are graduating from college (or have graduated) with no debt because your parents are well-off. You are going to be a doctor, making upwards of a quarter of a million dollars per year or more, depending on the specialty. There are people here who will be entering medical school with >$100,000 in debt, received no help from parents or scholarships of any significant amount, and you are going to complain about it not being fair that you will have to take out loans to pay for your medical school that you will be easily able to pay back? I think you should take a step back and look at your situation, or you may come across as a whiny, spoiled rich brat.
 
This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.


I have no parents and have paid my own way since I was 17.

I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education.

Time to grow up.
 
I have no parents and have paid my own way since I was 17.

I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education.

Time to grow up.

agreed.
 
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I have no parents and have paid my own way since I was 17.

I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education.

Time to grow up.

I don't see how this somehow makes you better or more grown up than me?

I was asking a simple question.
Undergraduate is different than graduate. I consider myself grown, hence why my parents no longer support me in any way. How does that make me less important than you on who gets aid?
Neither of us has any outside funding going into medical school so why should I be considered less worthy of help because I had parents or grew up with more money.

Your UG debt is likely less than the break you will get from financial aid because of your unfortunate situation.

Do not make the mistake of assuming that because my parents are well off that I am a spoiled brat. I grew up on a farm and have worked my ass off since I was 10 years old, likely harder than most of you.
My parents paid for my undergraduate education and I greatly appreciate it.

I simply was asking a question, I was not trying to slight any of you in any way nor make myself come off as whiney. Its a simple question that I thought you guys would know the answer to.
 
Undergraduate is different than graduate. I consider myself grown, hence why my parents no longer support me in any way. How does that make me less important than you on who gets aid?
Neither of us has any outside funding going into medical school so why should I be considered less worthy of help because I had parents or grew up with more money.

Because you still have one more potential source of aid than the person who can incontrovertibly show their parents are unable to provide any assistance.
 
Just to lay this to rest:

1) As a professional student, you are not required to list your parents' financial information and are, by default, considered independent. The only case where an applicant would be required to fill out parent information is if they were applying for 'Title VII' funding for disadvantaged students, which you clearly are not.

2) The federal government has done away with subsidized loans for professional and graduate students. This means you will take out ~$45,000 at 6.8% interest and cover the rest (if any) with Graduate PLUS loans at 7.9% interest. The former is guaranteed so long as you haven't defaulted on any educational loans while the latter is taken against your credit (meaning the better your credit the more they'll loan you).
 
Neither of us has any outside funding going into medical school so why should I be considered less worthy of help because I had parents or grew up with more money.

Your UG debt is likely less than the break you will get from financial aid because of your unfortunate situation.

Do not make the mistake of assuming that because my parents are well off that I am a spoiled brat. I grew up on a farm and have worked my ass off since I was 10 years old, likely harder than most of you.
My parents paid for my undergraduate education and I greatly appreciate it.

I simply was asking a question, I was not trying to slight any of you in any way nor make myself come off as whiney. Its a simple question that I thought you guys would know the answer to.

Honestly, my issue with your posts is that you seem to be considering your situation as being equally disadvantaged to someone coming from a background that is truly disadvantaged in some way (socioeconomic status, family dysfunction, parental death, etc). Despite what you seem to think, though you may have to go into some debt for medical school, both your financial situation and life situation are vastly different than those in that group.

First, as others have said, you went to undergraduate free. It doesn't matter that undergraduate and graduate education are different - that free ride is a big deal that will save you thousands of dollars of debt. It also allowed you to focus all your energies on academics and your application. Those people you think you are just as needy as? After a small amount of financial aid and (maybe) scholarships, everything is loans (with interest) and HOURS of working to push themselves through school. Did you know that some schools actually look at existing debt in figuring out how much aid to give to a student? There's a reason for that.

Not to mention that, even before undergrad, you likely grew up getting a top-notch education, with supportive parents and all the opportunities in the world. You never had to worry about where the next meal was going to come from, you could hang out with friends all you wanted (not work), you never felt embarrassed or ashamed to have friends over and your went home to a stable and safe household. Do not undervalue that for a second, as it makes more difference than you could ever know.

So, going into this, you are actually in a very different situation than those you think you are just as worthy of in terms of aid. Look, does it suck you will have to take out loans when you previously had not? Yea, it does. Yet, even without parental funding, you will still have so many more resources from your parents than many of us ever had or will. I highly doubt that, if you call them panicked one day because your car broke and you commute to school or are rotating at a site where a car is needed that you are parents are going to fail to assist you. When you become frustrated or struggle, they will be there as a support. Over breaks, if you wanted to, you have a family to visit and enjoy. I'm sorry you're going to have to take out loans - most of us will be; but, do not dare compare yourself to those coming from backgrounds so, so unlike your own. You can't know.

To give background, my father, who is drug addicted and violent, is in and out of my life; never helps with money (he makes quite a bit, though, or so I have heard). My mother works numerous jobs despite having major chronic illnesses - physical and psychiatric - because she has no other choice. Those 4+ jobs, that still leave us in poverty, make her illnesses worse. I have been helping to care for her in numerous ways for as long as I have been able to walk, talk, understand. Make sure bills get paid. Help deal with doctors. Arrange care. Make sure she is complaint. Call 911 in Emergencies. There's no other family support. Due to her emotional absence, a lot of other traumatic things have happened because she was too ill/working too much to notice anything (I do NOT blame her). I have been working as many hours as I can, over and under the table, for as long as I have been able to help make sure heat and electric stays on. I also have my own chronic health issues, though much more mild than my mom's, that I have had to deal with and will for the rest of my life. Emotionally, financially, physically, I have had little to no support in my life and will have no support throughout my education - at all, period, nothing. I'm on my own.

Yet, I'm actually really lucky at the end of the day and I know that; others have it so, so much worse. I'm leaving for college early - a GREAT opportunity, one I know so many in my situation do not have nor will have - and will be forced to take out loans. If I get into medical school, I'll have to take out more. Am I looking forward to it? No. Does it terrify me sometimes? Absolutely. But I'm choosing to take this route - so are you, by the way, nobody is forcing you - and, ultimately realize that getting there despite everything I have been dealt with, despite all the times when everyone (school, family, myself) had given up on me ever becoming anything, despite what the statistics say - it will be an experience that nothing else ever could compare to. The debt will still be a painful burden; however, as far as I'm considered, well worth it.

But don't dare consider your situation, financial or otherwise, equal or as needy as my own or others in similar, or worse, situations. It's not - not even close - and, though I do not know you personally, can attest that your posts do indeed make you sound like an ungrateful, naive, whining rich kid. Not saying you are; but you're coming across as one.

Your question, in terms of where you will get your aid, has been answered by others. I wish you all the luck in your app. cycle.
 
^ Don't worry, they teach morals and appreciation for socioeconomic minorities in medical school, too. He'll be well-educated and empathetic of your plight! 😀
 
I liked the part where OP asked a question, got his answer and then people turned it into a pity contest.

I liked the part where seemingly everyone ganged up on OP because someone paid for his UG.

Would you sacrifice your undergraduate loans in exchange for a childhood of abuse? Growing up calling the police because your dad beat your mother & sister so badly?
Parents refusing to cook for you because you were deemed a mistake?
Not being able to have friends over because your parents were passed out naked on the couch from drug use?
Being sexually abused in your own bed?

Then, one day your parents decide that to rectify everything they'll pay for UG.

You know nothing about this person other than his parents 'could' pay for his med school, and that they paid for undergrad. He feels as though he shouldn't be punished by FA because his parents 'could' pay, but refuse to. What's with all the hassle?

$ =/= easy living ... you guys sicken me thinking that because someone had their UG paid for that their entire life was a walk in the park and you respond with "But don't dare consider your situation, financial or otherwise, equal or as needy as my own or others in similar, or worse, situations." and "I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education. Time to grow up."

tl;dr - You don't know people based on 3 posts from a forum. Stop thinking you do. Some people deal with issues much more difficult and emotional than your own. You can steal your next meal if you need to. You can't undo experiences.

The question has been answered, continuously posting and ganging up on him regardless of your situation is sad.
 
I liked the part where OP asked a question, got his answer and then people turned it into a pity contest.

I liked the part where seemingly everyone ganged up on OP because someone paid for his UG.

Would you sacrifice your undergraduate loans in exchange for a childhood of abuse? Growing up calling the police because your dad beat your mother & sister so badly?
Parents refusing to cook for you because you were deemed a mistake?
Not being able to have friends over because your parents were passed out naked on the couch from drug use?
Being sexually abused in your own bed?

Then, one day your parents decide that to rectify everything they'll pay for UG.

You know nothing about this person other than his parents 'could' pay for his med school, and that they paid for undergrad. He feels as though he shouldn't be punished by FA because his parents 'could' pay, but refuse to. What's with all the hassle?

$ =/= easy living ... you guys sicken me thinking that because someone had their UG paid for that their entire life was a walk in the park and you respond with "But don't dare consider your situation, financial or otherwise, equal or as needy as my own or others in similar, or worse, situations." and "I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education. Time to grow up."

tl;dr - You don't know people based on 3 posts from a forum. Stop thinking you do. Some people deal with issues much more difficult and emotional than your own. You can steal your next meal if you need to. You can't undo experiences.

The question has been answered, continuously posting and ganging up on him regardless of your situation is sad.

First, I do not pity myself, nor has this thread turned into a pity contest. Far from it.

Second, I did not "gang up" upon him simply because someone - his parents - paid for his undergraduate or because he asked a question. Had that been all he said ("My parents, who paid for my undergraduate, have refused to contribute financially to medical school if/when I matriculate. How does this impact financial aid?"), I would never have said anything. The topic would have quieted down and we all would have gone home.

That is not, however, all he said. What he said, more than once throughout this thread, is that he is in a situation (parents refusing to assist) that makes him just as deserving of financial aid as the applicant who grew up poor, without parents, in an dysfunctional/abusive household, etc. The whole point of my post was simply that, though he doesn't see it, he is in such a better situation - and a lot less needy situation - than those with that type of background. I also never claimed that money automatically equals a good life. Those are your words, not mine.

By the way, when you quote me - or anybody else - in a post, please actually read everything they have to say (don't "tl;dr" it). Had you done this, you would have known that all of those things you listed did happen to me at one time or the other. You are correct, you do not forget experiences (though, growing up poor IS a traumatic experience in and of itself for many). I never argued that and, in fact, that was a major point in my post: that his upbringing is not advantaged simply because of money; but, for numerous other reasons, he is in a much better place besides that.

Furthermore, you are correct in saying that I do not know him personally; however, just as you selectively read my own posts, you seem to have selectively read OP's. Had you read them all, you would have seen that, based on his financial situation alone, he has said he is as equally deserving of aid as those coming from a disadvantaged background; he said that he was just as deserving of aid as someone who had no parents - as in, living - to help fund him; he undervalues the significant (positive) impact his lack of undergraduate debt will have; and he never mentions any factor in his plight other than that his parents, who once payed for his whole undergraduate career, are simply refusing to pay for medical school and when challenged simply repeats that situation - we have nothing to indicate he has been through trauma. He also spits out that he has likely worked harder than any of us ever had because he began to help with work on his family's farm at a young age. Not only is his opinion on how much we have worked likely untrue, the statement, once again, shows that he does not understand how lucky he has been and how much better he has it than those coming disadvantaged and/or dysfunctional backgrounds (including those you mentioned). If you actually read his posts, you would see it is clear that he thinks his life was just as hard and he is now just as needy as people who are poor, have been abused, etc just because his parents have now refused to pay for medical school for him and he had to work on his family's farm as a kid.

Money may not always equal an easy life. But having his parents refuse to pay for medical school does not equal a needy and hard, one either. I stand by what I said: his situation, from all that we can tell, is NO way equal to those coming from backgrounds of poverty and trauma and it is offensive that he think so. It is because of the posts he has made claiming such things and the attitude contained within them - one of entitlement, superiority, self-pity, woe-is-me - not that his undergraduate was paid for or that he comes from money, that have criticized him.

Please, in the future, read everything without the bias you seem to have (you got very defensive) BEFORE you posts something telling us we are all wrong, sick and sad human beings.
 
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I liked the part where OP asked a question, got his answer and then people turned it into a pity contest.

I liked the part where seemingly everyone ganged up on OP because someone paid for his UG.

Would you sacrifice your undergraduate loans in exchange for a childhood of abuse? Growing up calling the police because your dad beat your mother & sister so badly?
Parents refusing to cook for you because you were deemed a mistake?
Not being able to have friends over because your parents were passed out naked on the couch from drug use?
Being sexually abused in your own bed?

Then, one day your parents decide that to rectify everything they'll pay for UG.

You know nothing about this person other than his parents 'could' pay for his med school, and that they paid for undergrad. He feels as though he shouldn't be punished by FA because his parents 'could' pay, but refuse to. What's with all the hassle?

$ =/= easy living ... you guys sicken me thinking that because someone had their UG paid for that their entire life was a walk in the park and you respond with "But don't dare consider your situation, financial or otherwise, equal or as needy as my own or others in similar, or worse, situations." and "I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education. Time to grow up."

tl;dr - You don't know people based on 3 posts from a forum. Stop thinking you do. Some people deal with issues much more difficult and emotional than your own. You can steal your next meal if you need to. You can't undo experiences.

The question has been answered, continuously posting and ganging up on him regardless of your situation is sad.
The problem here is, the OP came onto the thread complaining about his parents not paying for his med school like they paid for his undergrad, and whining that he couldn't get aid because they choose not to pay. People on here warned him that he made himself sound like a whiny rich spoiled brat. He responded to that claiming that because he may have had to work earlier in his life, he is equally deserving of the aid that an inner-city kid who had no parents, ****ty schools, etc. received. The third post of his proves that he is, in fact, a rich, whiny, spoiled, entitled brat. Sorry, game over.

It doesn't matter what may or may not have happened in his life, he came on here complaining about "my parents paid for everything up until now, but they refuse to pay for my medical school, so I should get aid the same as the kid who grew up picking through dumpsters because one parent was in prison and the other died of cancer."

You might have a point if the OP said he lived through any of the things you listed above, but even then, the fact that his UG was paid for already puts him at an advantage and does, in fact, make him less worthy of aid than the student who got no family support since high school and before.

If the OP had asked his first question and, when answered, said "Oh, that sucks. Oh well, guess I am going to have a ton of debt like almost everyone else." there would have been no ganging up. Instead he continued with two additional posts reinforcing the impression that he is whiny and entitled. The OP has no one to blame for how he was treated but himself. It is his attitude, not the fact that his UG was paid for, that people here have a problem with.
 
Just to lay this to rest:

1) As a professional student, you are not required to list your parents' financial information and are, by default, considered independent. The only case where an applicant would be required to fill out parent information is if they were applying for 'Title VII' funding for disadvantaged students, which you clearly are not.

2) The federal government has done away with subsidized loans for professional and graduate students. This means you will take out ~$45,000 at 6.8% interest and cover the rest (if any) with Graduate PLUS loans at 7.9% interest. The former is guaranteed so long as you haven't defaulted on any educational loans while the latter is taken against your credit (meaning the better your credit the more they'll loan you).

Slight edit: You getting the loan is contingent upon you not having significant credit issues. What I was told is that: you dont have any 60+ day late payments on your credit report. They wont cap your loan out based on your credit to my knowledge. My credit was great 2 years ago when i bought my house...but since has gone done a TON with lack of income and some late CC payments due to med school lack of funds etc. I still get the same amount as always and I am in the upper level of PLUS borrowers for sure 80+k a year with stafford and plus.
 
How did this thread turn out the way it did? OP asked a simple question and everyone jumped on him. He was simply under the impression that federal loans for profession schools were need based, no reason for the personal attacks.
 
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Y? HPSP? Hey it gives me the giggles that I wont owe anyone 7 years post grad and will likely get my loans paid off before then anyway. 🙂 But to each their own, I heavily considered HPSP.

Nay, friend. Because the OP posted a question in hopes of getting some advice, instead he gets ganged up on from a bunch of jerks. 👎

I hope you do indeed pay off all of your loans buddy. I am sure I will have some as well seeing as I do not plan on going the military medicine route. Cheers. 👍
 
I liked the part where OP asked a question, got his answer and then people turned it into a pity contest.

I liked the part where seemingly everyone ganged up on OP because someone paid for his UG.

Would you sacrifice your undergraduate loans in exchange for a childhood of abuse? Growing up calling the police because your dad beat your mother & sister so badly?
Parents refusing to cook for you because you were deemed a mistake?
Not being able to have friends over because your parents were passed out naked on the couch from drug use?
Being sexually abused in your own bed?

Then, one day your parents decide that to rectify everything they'll pay for UG.

You know nothing about this person other than his parents 'could' pay for his med school, and that they paid for undergrad. He feels as though he shouldn't be punished by FA because his parents 'could' pay, but refuse to. What's with all the hassle?

$ =/= easy living ... you guys sicken me thinking that because someone had their UG paid for that their entire life was a walk in the park and you respond with "But don't dare consider your situation, financial or otherwise, equal or as needy as my own or others in similar, or worse, situations." and "I will happily trade you and you can have my potential fin aid, but you get my UG & Grad debt as well as nobody bought me lunch much less paid for my education. Time to grow up."

tl;dr - You don't know people based on 3 posts from a forum. Stop thinking you do. Some people deal with issues much more difficult and emotional than your own. You can steal your next meal if you need to. You can't undo experiences.

The question has been answered, continuously posting and ganging up on him regardless of your situation is sad.
Kudos!😎
 
How did this thread turn out the way it did? OP asked a simple question and everyone jumped on him. He was simply under the impression that federal loans for profession schools were need based, no reason for the personal attacks.

The OP was the first one to bring up the question of fairness in a subsequent reply.
 
The OP was the first one to bring up the question of fairness in a subsequent reply.

Oh, I missed that post. Nice catch. (Still a bit dramatic in their replies though IMO). To the OP, I think you greatly overestimate the scholarships available to medical students. The overwhelming majority of scholarships are less than $5000 per year. If you want to guarantee yourself debt free after graduation you should consider one of the many loan forgiveness programs out there.
 
Oh, I missed that post. Nice catch. (Still a bit dramatic in their replies though IMO). To the OP, I think you greatly overestimate the scholarships available to medical students. The overwhelming majority of scholarships are less than $5000 per year. If you want to guarantee yourself debt free after graduation you should consider one of the many loan forgiveness programs out there.

(This isn't directed specifically towards you, Sag. You have only been helpful and realistic in this thread. This is far more directed at those who have posted above you).

Was my reply a bit dramatic and harsh? It was and, in hindsight, I likely should have just stepped away from the computer and left it alone. Not because I think that I'm wrong - as stated previously, I stand by what I said - but because it was/is likely pointless (as in, not going to open any eyes or change anyone's mind), you simply alienate people when you are unnecessarily anger and, in my experience at least, there is usually back lash and a lack of understanding on the part of many when these things are brought up. (On that note, if I upset/offended anyone with what I said for whatever reason, that is of my fault and I apologize for it).

But I'm defensive and I have gotten this way after years of hearing an overflowing sense of ignorance and entitlement from many coming from privileged socioeconomic backgrounds. Over and over, I have heard complaints from people about the aid that those living in poverty get (from Medicaid to some of the Disadvantaged Scholarships/Partial Fee Waivers out there); complaints driven by the fact that these people do not get any such aid and are forced to pay for these things themselves (never-mind the fact that to qualify for Medicaid, you basically have to be unable to afford anything else [even people who are below the poverty line are often missed by Medicaid cut offs, even though they can't afford]; or that those scholarships still leave a lot of expenses and, unlike said "rich(er)" people, those students will get ZERO support; and so forth). Even on pre-allo SDN, you hear those comments - a lot of times, they manifest in the form of complaints on the "advantage" being a URM has and the speculated "advantage" coming from a disadvantaged background does. I'd prefer not to get into that debate now (it's been beat to bloody death); but everyone ignores all that those in these groups have to overcome JUST to get the GPAs you seem them accepted at. Yet, you still see people say that's it unfair and you even see some low-GPAers saying or suggesting they wished they fit into said groups.

All of these examples, from the OP's post to the comments here, come from a very similar belief/attitude and, in my opinion, step from a similar collective ignorance and naivety. As someone coming from an awful socioeconomic - among other things I have had to overcome that are linked to that (see previous posts) - it was offensive and enraging for him to say that, as far as he was concerned, he was in just a needy situation. Then, when LifeTake2 called him out (if a bit harshly) on what he was saying, his response - not one of apology or clarification, but of, in fact, saying that his life was in some ways HARDER than those from disadvantaged backgrounds - just floored me. His entitled attitude bled off of his posts and his disregard for what some people have to go through was angering. So, I responded. Maybe it was too dramatic; however, I do believe that some response was called for.

Had all the OP really done was ask a question, I would have had no issue and I doubt anybody else would have, either. It was when, confronted with reality and the answer to said question, that he began to whine about how it was all unfair, how his life was likely harder than any of ours ("I likely worked harder than any of you ever have", paraphrased/may not be exact), that I had an issue. I am not a jerk for that. Nor am sickening, sad or any other adjective that has been thrown out in this thread; but I am tired and frustrated of people like OP and the attitude he and others like him have. He is just more proof of how needed those boxes on AMCAS are and how needed they will likely be for years to come.

To wrap this, I just want to say that I'm not asking for everyone around me to cover all my educational costs or do the work required for me, nor am I going to preach some message about the importance of addressing inequality; but I do ask that what I (and others in similar and worse situations) have been through and the uphill climb I (and others in similar and worse situations) have ahead of me be respected. At the very least, I ask that, if someone honestly can't do that, they just keep their ignorant entitled comments to themselves.
 
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Nay, friend. Because the OP posted a question in hopes of getting some advice, instead he gets ganged up on from a bunch of jerks. 👎

I hope you do indeed pay off all of your loans buddy. I am sure I will have some as well seeing as I do not plan on going the military medicine route. Cheers. 👍

Good deal. I saw you were army so figured this is what you meant. But yeah, OP feels a bit entitled big deal...no need for people to be mean to the guy I agree. OP I had a similar issue...my dad is a doc..interpret that as you may...and they wanted my parents information for needs based grants. I own my own home and am almost married...I felt a little silly asking my parents for their financial info at age 28. So yeah no needs based grants for me. But in terms of your regular fafsa you will be alright.
 
This is what I was referring to.
My parents are well off so I will end up getting no aid from the institution, where someone in my same shoes financially with less wealthy parents will pay 1/2 of what I will.
Doesnt seem fair, there has to be a way around it.
I doubt it, nor do I really think there should be a way around it.
 
Y? HPSP? Hey it gives me the giggles that I wont owe anyone 7 years post grad and will likely get my loans paid off before then anyway. 🙂 But to each their own, I heavily considered HPSP.

Well, maybe you didn't investigate enough because you only owe 7 years if you go the USUHS route. Just sayin'.

And anyone that took HPSP thinking it was "free" will soon learn that it's far from it.
 
Well, maybe you didn't investigate enough because you only owe 7 years if you go the USUHS route. Just sayin'.

And anyone that took HPSP thinking it was "free" will soon learn that it's far from it.

Heavily considered=researched online, talked with my fiance who really didnt support me doing that. Everything I know about HPSP is from my few close friends who are on the HPSP scholarship.

I want to be involved in the military some day...perhaps the guard/reserves....but I am thinking waiting till I am an attending might be a better option for me.
 
Someone correct me if I'm wrong, but I've heard from several financial aid presentations that when you apply for FAFSA for grad school, you're considered an independent and your parents' income is not included. You might have to report it, but they award you aid based on your income.

I have a question about this actually.... I too have heard that this is the case. I currently work full time, but when Med School starts I will no longer be working at all. Are they going to base my financial aid on what I am currently making (which is a fair pay rate), or what I will be making (which is nothing)? 😕
 
I have a question about this actually.... I too have heard that this is the case. I currently work full time, but when Med School starts I will no longer be working at all. Are they going to base my financial aid on what I am currently making (which is a fair pay rate), or what I will be making (which is nothing)? 😕

You will be fine. You will need to submit your w-2...but dont think that is going to hold you back from getting loans. The year before I started med school was my 5th year at this company and I was doing a TON of OT and on call..and was making up in the 70s. I still had no problem getting loans. They know you arent going to continue working FT.
 
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Thanks! I sure hope so. haha I need enough for school and to live off of, but there is no way I am going to keep working during Med school. Too much stress! :/
 
Thanks! I sure hope so. haha I need enough for school and to live off of, but there is no way I am going to keep working during Med school. Too much stress! :/

Honestly, dont burn bridges with your employer. I sort of did and ended up leaving on a bad note and now I WISH i kept the job for some per diem hours.

Med school is busy but its not busy enough that I couldnt work 10-15 hours a week and still do well.
 
Honestly, dont burn bridges with your employer. I sort of did and ended up leaving on a bad note and now I WISH i kept the job for some per diem hours.

Med school is busy but its not busy enough that I couldnt work 10-15 hours a week and still do well.

I don't plan to burn any bridges, but I do NOT want to work during Med school. If I have free time, I want to enjoy it not work. I worked part to full time all through undergrad, and I'm working full time during my whole gap year. I like most of the people I work with, but if I could find a job that paid as well as this one else where...I'd take it. The pay and the flexibility are what's kept me here. I have no intention of dealing with the drama here during Med school if I can avoid it. Besides, chances are I will no longer be in-state anyways. 😉 I live in Alaska. If I get into WWAMI, I'll be here for one more year before heading to Seattle for year 2, otherwise I will have to go out of state.
 
Honestly, dont burn bridges with your employer. I sort of did and ended up leaving on a bad note and now I WISH i kept the job for some per diem hours.

Med school is busy but its not busy enough that I couldnt work 10-15 hours a week and still do well.

Um lol well this depends on how smart/hardworking somebody is, and what the work entails.

Working in EMS + med school = relaxing and sleeping after class, transporting old people around a few days a week.

Working in TAing + med school = lecturing freshmen on biochem, grading papers = fun.

Working in real estate + med school = **** no.
 
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I don't plan to burn any bridges, but I do NOT want to work during Med school. If I have free time, I want to enjoy it not work. I worked part to full time all through undergrad, and I'm working full time during my whole gap year. I like most of the people I work with, but if I could find a job that paid as well as this one else where...I'd take it. The pay and the flexibility are what's kept me here. I have no intention of dealing with the drama here during Med school if I can avoid it. Besides, chances are I will no longer be in-state anyways. 😉 I live in Alaska. If I get into WWAMI, I'll be here for one more year before heading to Seattle for year 2, otherwise I will have to go out of state.

Yeah, I understand most people dont...but I am just throwing out the possibility that you COULD very well work if you needed/wanted to. And me=jelly about living in alaska.....so awesome!
 
Um lol well this depends on how smart/hardworking somebody is, and what the work entails.

Working in EMS + med school = relaxing and sleeping after class, transporting old people around a few days a week.

Working in TAing + med school = lecturing freshmen on biochem, grading papers = fun.

Working in real estate + med school = **** no.

Agreed. My career before med school was in blood banking and clinical lab medicine...which would have been ILL to deal with right now. Most clinical lab work gets done between 6am and 11 and aside from that you are sitting around a lot. It would have been perfect for me. I was the on call night blood bank technologist so whenever my pager went off in the middle of the night I would have to go down to the hospital and Xm some units or whatever I needed to do...it would have been perfect....kicking myself now ugh.