jglemonade1...
If you go to UB, if you get in, you'll save money, for now. However, look at it another way. If you spend another year out of school, it'll actually wind up costing you money a few years down the road rather than saving you money. Why? Because you'll be giving up a year of an attending's salary, which will probably be more than all of medical school combined. If you take out the nice cheap government loans like everyone else, then you make $150-200,000 a whole year earlier, then your investment has paid off. Get my drift? Loans are so cheap that even if your family had the money to write a check for tuition outright, many say take out the loans and have them invest the cash, for the invested money will make more return back over the 10-20 year life of the loan than you're paying in interest. I'm not a financial planner, but I think you get the drift.
As far as living expenses, you can rotate at Sisters Hospital in Buffalo 3rd and 4th year if you wish, so you can live at home and living expenses would be equal to UB those years.
One may ask, why even apply to NYCOM at all if you were scared of the price? It aint going to get cheaper next year.
Make a decision soon though, there's a long waiting list salvating right now.