How many classes do students usually take their first semester?
Depends. Will you be working in addition to taking courses? Are you planning on taking the pre-reqs or upper level or a combination thereof?
How many classes do students usually take their first semester?
Depends. Will you be working in addition to taking courses? Are you planning on taking the pre-reqs or upper level or a combination thereof?
Well i've already taken phys I and phys II and calculus. But those are basically the only science classes ive taken. I won't be working but I plan on volunteering and doing research. I would like to take 3 classes but I don't want to regret it later. How many and which classes would you advise me to take?
Historically, Chem and Orgo are on the same night, so you wouldn't be able to take both. Given that, you should consider Chem and Bio. Will your research basically be full time (i.e. 40 hours)? If so, Chem and Bio may be enough. If you do decide to take an upper level science course in addition, make sure it doesn't have a heavy lab component. Chem and Bio are pretty time consuming. As for specific courses, hard to make a suggestion until the listings come out in July.
FYI: A lot of people take physics/chem year 1 and bio/orgo year 2.
Thanks soo much for your help! It was really useful! Do you know how I could sign up for volunteering and research?
The in-school deferment IS automatic if you are attending an institution which participates in the National Student Clearinghouse (as Harvard Extension does.) Whether it's automatic comes down to the educational institution, not the lender/loan servicer. No, Harvard doesn't require its regular degree students to get a new deferment every semester, because they're enrolled in programs with specific requirements and specific anticipated graduation dates. You can claim that your anticipated end date is "May 2012" but there's nothing to back that up. You're not in a program which requires X credit hours which will take X number of years at full-time enrollment, or anything like that. You may be planning to keep taking courses at Harvard through May 2012, but there's no official enrollment which proves that... you're not matriculated into a program with defined requirements, as I said. And, the add/drop requirement also makes sense - otherwise, you could just register for a course to try to take advantage of an in-school deferment, and then drop. Harvard needs to send "final enrollment" information, NOT preliminary information.
Yes, this is all a big pain. Like I said, at HES, you do NOT have to have them fill out the deferment form. It really is all automatic. The problem is that it can take a long time so it doesn't seem like it's ever going to happen. If you were in a 4-year degree program, a couple months or so to get it in place wouldn't really matter much because once it's in place it's in place until your expected graduation date (or beyond, depending on whether there's a grace period.) But when you're just registering semester by semester in a program with no specific duration (which is the case with HES even if you're in HCP), 2-3 months can be your entire "in-school" time, since your expected end date is just the end of that current semester. Case in point - my classes started January 24 this term. It was my first term when I was half-time, and therefore eligible for an in-school deferment. (I have another masters degree, from a foreign university and am therefore familiar with the deferment, in general, but that school did not participate in the Clearinghouse, so I had to fill out a form.) I contacted my two loan servicers, and they assured me that they would automatically receive my enrollment information, but each said it can take something like 60 days for the deferment to be put in place, AFTER they get the enrollment information. So, they offered to set up forebearances for me until that time.
Well, I kept checking my loan status and noticed that in March, one set of loans (through Nelnet) was in deferment, rather than the original forebearance. I contacted my other servicer (ACS) to find out why that loan wasn't deferred, and they said that yes, they'd received the information, but it will take up to 60 days for that to be "processed." (Why isn't it immediate since it's done automatically without the borrower's request?) In any case, I started school January 24 and it took THREE MONTHS for my loans to be deferred. I never had to fill out a form and it was all done based on the National Student Clearinghouse information, BUT it took forever. By that point, I had less than a month of school left, anyway, and my loan payments were to resume on the first due date after this semester ended. So, the deferment didn't really help much.
I think the proper thing for me would have been to just trust that while it would take a while, the deferment WOULD happen automatically, and just not pay my loans in the interim. When I was in my other masters program, I thought that my loans would automatically be deferred. After a few months of non-payment I realized they wouldn't be and I filled out the form and submitted it, they retroactively removed any delinquent statuses. I'm not sure what happened to any interest that had accrued, though. I hope it was retroactively removed. But I know for sure that if I use a forebearance to fill in the gap, interest DOES accrue... which is why I think that one loan servicer, in particular, just sat on the enrollment information. It makes them money.
I don't know if filling out the form is really any faster or not. Maybe, but they still have to wait until after the "final enrollment" information is available to verify your enrollment. So either way, the in-school deferment for a program such as the non-degree HES programs isn't all that helpful. Every term, you're only going to get a short window of deferred payments (maybe as few as ONE month.)
But old crumb - Just to add... the forebearance shouldn't hurt your credit. I've had several forebearances now, and my credit is fine. The only way it can possibly hurt your credit is that the interest accrues and is added to the principal, therefore increasing your debt. But even with a high student loan debt, the amount any accrued interest will increase the principal is quite small when you're talking about, say, a three-month forebearance. (And BTW, interest will also accrue during an in-school deferment on the non-subsidized portion of a Stafford loan.) I might worry in general about increasing my debt, but not because it will affect my credit rating. And student loan debt (at least from goverment loans) is one of the "better" forms of debt. Revolving consumer debt, like credit cards, is the worst. Revolving debt is what plays into the "debt to credit ratio" which has such an impact on your credit score.
Now I'm getting confused. If I am accepted to the HCP, but NOT a diploma student:
A.) Am I still eligible for federal aid?
B.) Can I defer my undergrad student loans?
Hi Everyone!!
I'm a new member here and am very happy to have come across this support network! I literally just graduated college and am in the process of sending out applications to some pre-med programs. I had my heart set on Harvard Health Careers Program (application not yet submitted) for a number of reasons, but reading through some threads, have gotten very discouraged and sad.
For some reason I thought practically everyone got into the program, but apparently that's not the case. Long story short, I attended an elite liberal arts college and graduated with a 2.7 science gpa (freshmen & sophomore...you already know) and a 3.4 cumulative gpa. I am a hundred percent capable of excelling in science courses (as I have this past senior year), but I am soooo scared my overall low science gpa will not get me accepted into the program.
Please give me your honest advice, I would really really appreciate it.
Hey Jennet,
I also have never taken out a loan but I do plan to borrow from Sallie Mae for my postbac. I am not in the HCP so I am not eligible for federal aid.
Regarding getting a loan without a co-signer- when I initially independently applied for the private loan I was denied and told that I needed to re-apply with a co-signer and that "I shouldn't worry because most students need to apply with a co-signer." I hope you have better luck but I'd try to stick with only federal loans if I were you- better rates and no interest for the subsidized loans. But the Sallie Mae smart option student loan does offer deferment as long as you are enrolled in school, even med school. Gotta think about the glide/application year- either you continue to take classes or you start repayment.
Just giving you a heads up about applying without a co-signer. My parents are also reluctant to co-sign for me, they don't want me getting into debt but I feel bad for taking from my blue-collar parents that put me through undergrad.
According to the lady I spoke to on the phone I could "borrow as much as I
want." You can definitely live as comfortably as you want but I don't recommend you living too mtv-crib comfortable unless you have a neuro/spine fellowship lined up already 😉 I've read enough horror stories about physicians drowning in debt to not take the financial aspects of this journey into strong consideration.
But again, I suggest you exhaust your options for federal aid and that I would also opt to stick with federal aid if it was an option for me.
Good luck!
Hi everyone,
I will be starting the HCP in the fall and am both excited and nervous about it.
I plan on keeping my car when I move to Boston. Does anyone know what the parking situation is like on the Harvard campus? Are there student parking permits available to HES students? Is it doable at all?
Thanks! 🙂
Just out of curiosity, is anyone else starting in the summer with gen chem?
http://www.uos.harvard.edu/transportation/parking/extension_summer_parking.shtml
It's $65 for evening commuter parking for the whole year. Summer School parking is over $200 just for the summer.
Parking at Harvard is very doable, but if you live in Boston, it might cheaper to take the subway.
I live about an hour away, so public transportation is more expensive for me (except during the summer).
When applying for FAFSA did ya'll apply as an undergraduate or grad student? Explaining the post-bac program is a bit confusing to them
Hey gmen welcome to the club! I'm also gonna be starting at HES in the fall with chem and physics but I'm not in the HCP.
Which English class are you thinking of taking?
I was thinking that if I can manage to do well in the fall with 2 classes then I'll think about adding e-25 (i think that's the basic expos. writing class) in the spring and taking a literature class in the january (3-4 week) session.
I was looking at classes for the fall, and I know the registration doesn't open till August, but for some reason chem was almost completely filled already. Does that mean its on first come first serve basis?
I was looking at classes for the fall, and I know the registration doesn't open till August, but for some reason chem was almost completely filled already. Does that mean its on first come first serve basis?
I'm planning on working part-time to try and offset some living expenses, but no more than 20 hours per week - I know it's possible to do a full-time job with the program, but I'd rather focus on classes and make sure I'm able to do my absolute best throughout the semester even if it means taking on a bit more debt
smiley and gmen, are you both gonna be working? i think i will take bio and orgo my first year and possibly add a math class of sorts.
I am filling out my application and I have a question about #23. Do I list any volunteer and work experience? Or is it just volunteer and work experience related to health?
Thanks!
I was looking at classes for the fall, and I know the registration doesn't open till August, but for some reason chem was almost completely filled already. Does that mean its on first come first serve basis?
oh ok. but you haven't found a job yet. for some reason, i was under the impression that most people in the program already live in Boston and are just continuing their day time jobs. I feel like I'm the only one coming from outside the state. Either way, I'm excited to be getting started. I can't wait to start and meet the rest of you guys in the fall
Hey Doc, I'm moving from Texas. Trust me, you're not the only one coming from out of state. There are plenty of people who attend this program from across the country. I will be leaving a very nice job, my entire family, all my friends, my dog...not going to be easy. The best advice I received was to save up for a month, find your way around, then look into jobs. I may plan on doing something part-time, but I'm definitely taking out loans.
Good luck.
I'm starting in the fall as well and moving from Dallas. I love Texas, so this whole process is a bit bittersweet. But I'm hoping in the end it will all payoff! Looking forward to meeting ya'll in the Fall!
MsMD - I love that you'll be there because we can say y'all without people looking at us funny. Unfortunately, I'm ready to get out of Texas for now. Ready for that big northern adventure! Also, I will miss cheap housing.