- Joined
- Sep 8, 2012
- Messages
- 473
- Reaction score
- 511
Because I have nothing better to do tonight, or any night for that matter. Graduating in May from NYU, AMA cause I know you kids considering NYU probably have tons of questions.
What is your debt repayment plan?Because I have nothing better to do tonight, or any night for that matter. Graduating in May from NYU, AMA cause I know you kids considering NYU probably have tons of questions.
Will not be attending NYU, but just out of curiosity. Have you took out full loans for your dental education? If so, how much have you actually accumulated and how will you be tackling down your student debt?Because I have nothing better to do tonight, or any night for that matter. Graduating in May from NYU, AMA cause I know you kids considering NYU probably have tons of questions.
Favorite thing about attending NYU? Least favorite (besides cost)?
What is your debt repayment plan?
Will not be attending NYU, but just out of curiosity. Have you took out full loans for your dental education? If so, how much have you actually accumulated and how will you be tackling down your student debt?
D1 the hardest is the adjustment to the workload. D2 the hardest is just the sheer amount of work you're expected to complete. D3, the adjustment to clinic, and D4.. meeting all graduation requirements. Plus boards.Hardest thing about each respective year? D1, D2, D3, etc.
How's the atmosphere with 360+ students? How are the labs?
I've done 9 so far and I have another 5 or 6 in the works that I'll finish before graduation.How many crowns did you do? Are you doing a residency in NY and practicing there after as well?
do you know about specialty match rates this year at NYU.
😕I'm not sure how much I've accumulated, I paid for undergrad with loans too. I'm guessing around 500k total, maybe a bit more. Whatever, YOLO. PAYE is a thing.
I wouldnt wanna live like that.
Are you worried about all the potential guys in NYC running for the hills after they see that loan amount.
How is your living situation? How much do you pay per month for rent?
Do you feel like the professors are approachable despite the large class size?
If there was one thing you could change about NYU (except for the cost), what would it be?
What other schools did you get into and why did you choose NYU?
Thanks!
Just NYU, and no adjustment necessary, I'm a local.Were you accepted anywhere else or just NYU? Did it take time adjusting to the city? How nice is your preclinical and clinical facility?
I had a **** GPA but a stellar DAT score and I got in, so I guess they liked it.How much does NYU like the low gpa/high DAT/mild ECs combination for admissions? If that wasn't your case then do you have any friends in NYU that were in that position
I have soo many questions!
1. How did you eat? (This may sound stupid but I promise it's a legitimate question). Like did you get a meal plan? Is it accounted for in your loan amount?
2. How did you pick your apartment? Is there one apartment complex that is better than the other? Why did you choose to live by yourself and not a roommate?
I probably will think of more loll thank you!!
Princess? Are you really a girl... cause this whole time I thought you were a dude lol.Part of your student loan package includes money for living expenses. So I just grocery shop like any other person. And I eat out a lot as well, actually. Depends if I'm in the mood to cook or not, really.
I picked my apartment cause it was spacious and the building complex is nice. There's tons of places to choose from, I know people living in 6th floor walkups paying way less than me, but I'm a princess so I wanted a nice place hah. I chose to live by myself because I didn't want roommates and because I don't mind paying more to not have to deal with others. I don't play nice with others when I'm cranky, and I'm cranky often when stressed and tired.
Princess? Are you really a girl... cause this whole time I thought you were a dude lol.
Thank you so much- you're the best!Part of your student loan package includes money for living expenses. So I just grocery shop like any other person. And I eat out a lot as well, actually. Depends if I'm in the mood to cook or not, really.
I picked my apartment cause it was spacious and the building complex is nice. There's tons of places to choose from, I know people living in 6th floor walkups paying way less than me, but I'm a princess so I wanted a nice place hah. I chose to live by myself because I didn't want roommates and because I don't mind paying more to not have to deal with others. I don't play nice with others when I'm cranky, and I'm cranky often when stressed and tired.
Thank you so much- you're the best!
Was there a particularly hard class that you were afraid you weren't going to pass?
Were your classmates competitive or friendly and nice lol? Did you like your GPD and group?
Favorite thing is probably the freedom; most classes don't have mandatory attendance, you just show up and get your stuff done when it needs to be done, and the rest of the time you do your own thing. As far as clinically... we get a LOT of patients, so that's good. Least favorite besides cost is that there are too many little BS classes that are hard to keep track of or care about.
LOL. PAYE baby, PAYE. Thank you Obama. And if Trump gets rid of it before I enter repayment... I think he mentioned he wanted to do his own modified version of it.. in any case, I plan to pay the bare minimum possible until loan forgiveness kicks in and just take the tax bomb like a man.
Full loans, yes. I'm not sure how much I've accumulated, I paid for undergrad with loans too. I'm guessing around 500k total, maybe a bit more. Whatever, YOLO. PAYE is a thing.
How does one get grandfathered into IBR + loan forgiveness? Just make the first payment?.....Youre aware of how much that number actually is, correct?
Like when the government drops the repayment programs due to the unsustainability of them, and people behind you won't get grandfathered into them, leading to default, loss of license, inability to discharge into bankruptcy and years upon years of frustrating litigation while bartending to pay rent because the general public still thinks that dentists earn a good living even though the tax code is still a catastrophe that doesn't acknowledge student loans?
Just wanted to make sure of that as people are looking up to you asking for advice.
Good luck. Unfortunately, last generation broke the planet with lending. Corrections will be following after this cohort gets grandfathered in or the fed drops these programs leading to forced bankruptcy law changes.
How does one get grandfathered into IBR + loan forgiveness? Just make the first payment?
Why would an academic neurosurgeon have their loans discharged? More importantly, why would they owe $500K in student loans, for 25 years?Graduate into the program and make payments I believe. There may also be language in the master promissory note for the loans you take out. I'm not positive.
I usually tell people to jump into the program as a safety net and pay it off themself. Obviously that's not possible in some situations currently so technically those with no other choice should be fine within the current programs. Not sure when it will change. Hopefully when a few politicians with some neurons get in there. When academic neurosurgeons discharge 500k in student loans it will probably change due to necessity
Why would an academic neurosurgeon have their loans discharged? More importantly, why would they owe $500K in student loans, for 25 years?
Why would an academic neurosurgeon have their loans discharged? More importantly, why would they owe $500K in student loans, for 25 years?
Probably a very bad example since academic neurosurgeons still make good money. Will they be 500k in debt? Possibly if they went to a private medical school and interest accrued while they do a residency and then a fellowship earning pennies. But a neurosurgeon makes far more than 120k a year even in academics.(could work on the side as well).
I think what he means is the new dental school students banking on IBR or PAYE to still exist by the time they graduate should be wary. The government has already admitted that these programs are creating a deficit far larger than expected. They originally made these programs for school teachers or public service jobs that pay 50k while school costed 200k cause they would never be able to pay it back.
They did not predict that dental and medical schools would attempt to rob students blind and take advantage of these programs to justify their tuition prices. His message is to be wary of signing up to pay 500k for school without a plan ready that may not have IBR/PAYE in the future.
How many root canals did you do and on what teeth ? How many extractions ? How many surgical ? How many implants did you restore ? How many FMTEs + full dentures did you do ? How many crowns ? How many bridges ? How many RPDs? How many posts ?
Where are you going next year for residency and how did you select it?
I've done 5 endos, which is the graduation requirement. Two molar, two anterior, and one premolar. Would have done more but was trading cases with classmates for things I still needed. Have done 60+ extractions by now, with probably 30 of them being surgical. Restored 1 implant, gave other cases to classmates in need. Have done FMTE + full denture in two patients, FMTE in another 3 or 4 and gave the denture cases away because I hate dentures with a passion. Crowns I answered above, 9 done, another 6 or so happening soon. Bridges are impossible to come by, doing 1 now, but most patients get talked into implants instead. RPDs I've done 1 so far and doing my last two required ones now, but again, something I hate doing and try to avoid. Posts... 6 or 7?How many root canals did you do and on what teeth ? How many extractions ? How many surgical ? How many implants did you restore ? How many FMTEs + full dentures did you do ? How many crowns ? How many bridges ? How many RPDs? How many posts ?
Where are you going next year for residency and how did you select it?
Pays more. NYC is expensive.Why do a GPR and not AEGD?
How different was dentistry from learning about it during D1 vs actually doing it on real life patients? Did your views about the profession change at all, whether becoming more enthusiastic or less enthusiastic when you actually did "real" work? How prepared did you feel to work on your first patient ever in clinic?I've done 5 endos, which is the graduation requirement. Two molar, two anterior, and one premolar. Would have done more but was trading cases with classmates for things I still needed. Have done 60+ extractions by now, with probably 30 of them being surgical. Restored 1 implant, gave other cases to classmates in need. Have done FMTE + full denture in two patients, FMTE in another 3 or 4 and gave the denture cases away because I hate dentures with a passion. Crowns I answered above, 9 done, another 6 or so happening soon. Bridges are impossible to come by, doing 1 now, but most patients get talked into implants instead. RPDs I've done 1 so far and doing my last two required ones now, but again, something I hate doing and try to avoid. Posts... 6 or 7?
I don't feel comfortable answering the where, except to say it is a GPR in the NYC area. As for how I selected it, I liked the program director's pitch on interview day. Current residents seemed happy, attendings seemed happy, patients seemed happy.
👍 I only ask because there seems to be so little information out there about which GPRs/AEGDs out there are worthwhile. That's one benefit of NYC, so many residencies in close proximity that visiting a handful for a day to get a feel for the program is practical. Does NYU or the previous year's graduating class give you any help selecting a residency that provides particular experiences (ie, pedo heavy, implant placement exposure)?I don't feel comfortable answering the where, except to say it is a GPR in the NYC area. As for how I selected it, I liked the program director's pitch on interview day. Current residents seemed happy, attendings seemed happy, patients seemed happy.
I got rent and bills to pay lmao. Can't survive on 40k a year in NYC with no roommates. 60k is a little more manageable, still not great... but I won't be eating ramen for dinner every night.Why do a GPR and not AEGD?
Second semester D2 was the worst with the sheer amount of work. Still not sure how I made it through. I look back on it and it's like I blacked out for an entire semester, but somehow came out the other end having done everything I was supposed to. Easiest is fall of D4. You're not studying for boards yet, or for anything else, and you're not in panic mode about finishing requirements before graduation yet.which year/quarter/semester has been your biggest and lightest workload? What did your biggest workload consist of? How did you truck through it? How many weeks is each quarter/semester? Is it still called semesters in DS? (sorry if this is a stupid question)
How different was dentistry from learning about it during D1 vs actually doing it on real life patients? Did your views about the profession change at all, whether becoming more enthusiastic or less enthusiastic when you actually did "real" work? How prepared did you feel to work on your first patient ever in clinic?
👍 I only ask because there seems to be so little information out there about which GPRs/AEGDs out there are worthwhile. That's one benefit of NYC, so many residencies in close proximity that visiting a handful for a day to get a feel for the program is practical. Does NYU or the previous year's graduating class give you any help selecting a residency that provides particular experiences (ie, pedo heavy, implant placement exposure)?
Some people live in their scrubs. Others never wear scrubs. Dress code for labs and clinic is either scrubs or business casual. For lectures, you can show up in your pajamas and no one will say anything.When are we supposed to wear scrubs? Do they have to be certain color/do they have to say NYU? Is there a dress code for certain classes? I just need to plan on what clothes to buy before I move there. Thanks again!
Yeah, didn't feel like dealing with the hassle of moving. Plus I like my apartment.Also, did you stay in the same apartment for 4 years? Is it the norm to stay in the same apartment or to get a different apartment every year (which seems like a hassle)?
Thank you so much!! 🙂Buy them beforehand, or buy them at school when you get there. Usually ASDA does scrub sales for like $25 per pair. Colorwise, we didnt have any limitations. I've seen several girls wearing pink scrubs. Most people wear more standard black, navy blue, light blue, etc.
Thank you!! I'm assuming it's reserved for the actual doctors lollNo purple though.