Need help UF vs. UoP

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smilesmile1122

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  1. Pre-Dental
I am extremely happy about my acceptance into UF and UoP dental schools, now I need some help. UoP has been my dream school for years for several reasons including the 3 year program but is the cost worth it? I am a Florida resident and UF would be a lot cheaper and a great school too.

What would you do and why?

Thank you all
 
Not only is UF cheaper, its almost a 240,000 difference in tuition over 4 years!!! uop is a great program, but you can't overlook the price difference.
 
That's a real dilemma. As much as I think the state known as Fl is messed up, omg, if you can save a quarter million in loans, it's a no brainer. Financial aid experts say that you shouldn't take out more in student loans than your starting salary, and that if you take out 2x your starting salary, you're going to have difficulty repaying the loans before you die. We are in uncharted territory regarding the cost of education, so I'd be very cautious. Unless your parents are paying for school, it's extremely risky taking out nearly $400k in loans.

Yes, SF is one of the best cities in the US, but unless you don't plan on practicing in FL, you really should go to your state school. side note: I heard the FL board exam is super expensive (like $10k).
 
Economics says that if its between 3 years and 4 years, you have to compare the difference in price and compare that to your final year's salary (FYS) of your career. If your FYS is greater than the difference, than you should consider UOP. If its not, then UF.

It also depends on how comfortable with loans you are as well, how much you care about spending your youth in school, which school you like better, etc.
 
I would want to reduce my loans as much as possible so that I can get into private practice ASAP. If you want to go clinical consider this: I'll be out of UoP a year ahead, but I'll be an associate 2 more years to pay off my loans.

Of course if you are getting a good financial package or parents are covering costs, then UoP all the way.

P.S. UoP is my dream school too and I really don't have to make this decision when my turn arrives 🙁
 
you gotta be foolish to walk away from UF.
uop is such a fantastic school. I had an interview there. Everything about uop is fanstatic....except for the price tag. I know uop grad dentists and have friends currently there. such a wonderful wonderful school.

But difference in money is too much. 100k-150k will be 300k to 450k over 30 years. By going to UF, you will be saving roughly 2,000 every month for 30 years.
If you need more clinical skills, take badass CE courses to catch up. Plus save yourself from all the hassle moving across the nation.
I've seen okay clinical dentists graduated from one of the best dental schools and excellent dentists who went to below average clinical schools. It is up to you to gain experience as much as possible.

Dental school is like a job. It's not like picking a college. Don't worry about weather, location, hot chicks, my best friends going there, etc
Do your parents a favor by saving them money. I would love to have my home state dental school to attend.

PS this is how I calculated extra tuition vs. 1 yr head start for my own case.
Yes, you get out 1 year early, thus making money faster. Over your life time, you will make more money because of that head start.
However, you still have a bigger tap. You will end up pay more for loan repayments. Less netted annual salary and less monthly budget. To offset that, during that first year, you need to pay off the difference. In your case, you can't. Your tuition difference is ~150k and you won't make over 120k. Even if you spend all your salary, you need extra 30k. Not to mention you have ~37%(federal+state) taxes taken out of your expected-first-yr-income(100~120k). Also, Stafford loan is capped at 20k a year. Which means you are gonna have more Graduate Plus loan (higher interest rates and initial loan fee).
 
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you gotta be foolish to walk away from UF.
uop is such a fantastic school. I had an interview there. Everything about uop is fanstatic....except for the price tag. I know uop grad dentists and have friends currently there. such a wonderful wonderful school.

But difference in money is too much. 100k-150k will be 300k to 450k over 30 years. By going to UF, you will be saving roughly 2,000 every month for 30 years.
If you need more clinical skills, take badass CE courses to catch up. Plus save yourself from all the hassle moving across the nation.
I've seen okay clinical dentists graduated from one of the best dental schools and excellent dentists who went to below average clinical schools. It is up to you to gain experience as much as possible.

Dental school is like a job. It's not like picking a college. Don't worry about weather, location, hot chicks, my best friends going there, etc
Do your parents a favor by saving them money. I would love to have my home state dental school to attend.

PS this is how I calculated extra tuition vs. 1 yr head start for my own case.
Yes, you get out 1 year early, thus making money faster. Over your life time, you will make more money because of that head start.
However, you still have a bigger tap. You will end up pay more for loan repayments. Less netted annual salary and less monthly budget. To offset that, during that first year, you need to pay off the difference. In your case, you can't. Your tuition difference is ~150k and you won't make over 120k. Even if you spend all your salary, you need extra 30k. Not to mention you have ~37%(federal+state) taxes taken out of your expected-first-yr-income(100~120k). Also, Stafford loan is capped at 20k a year. Which means you are gonna have more Graduate Plus loan (higher interest rates and initial loan fee).

My point exactly...only much more eloquently put with some good old fashioned evidence and facts to back it up.
 
I was in the same boat, I got into UOP and put down a deposit and 2 weeks later got into UW. I chose UW because it is about 200k cheaper and I know more people there but it was not easy. I was set on going to UOP and did not really think I had a shot at UW anyways but then I got in. I think with how the economy is, saving the money is the greatest factor. When you see that UOP is 100k a year just for tuition its kind of rough.
 
I saw ur post even in dental forum.
If these people haven't convinced you fully and you still feel for uop, then you should go to uop over UF.
uop is much more expensive, and you may have hard time paying off loan in first 5 years out. But if you will regret at UF if you haven't made up your mind by now. Despite a huge price tag, uop prepares you so well and you will meet wonderful people.
 
I agree with the TheClutch's post. You want to go to a place that you absolutely know you're going to enjoy. I don't know much about UoP but I chose to go to Nova over UF despite the cost. Find a good fit for YOU, that's the most important thing.
 
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