*****Official PASS 2027 Endodontic Residency Interviews/Information***

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When does residency stop making sense financially?

Current D4, will graduate with $300k federal loans. Residency for me looking like another $400k in private loans. After interest, $1M debt when I start practicing. I really do want this to by my career, but I don’t know if it’s financial suicide. Please help.
 
apollonicavity said:
When does residency stop making sense financially?

Current D4, will graduate with $300k federal loans. Residency for me looking like another $400k in private loans. After interest, $1M debt when I start practicing. I really do want this to by my career, but I don’t know if it’s financial suicide. Please help.
Click to expand...
Probably better off working a few years first- most endo programs like experience anyways so it’s a way to pay down some of those loans. Private interest rates are also crazy right now and federal is capped
 
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apollonicavity said:
When does residency stop making sense financially?

Current D4, will graduate with $300k federal loans. Residency for me looking like another $400k in private loans. After interest, $1M debt when I start practicing. I really do want this to by my career, but I don’t know if it’s financial suicide. Please help.
Click to expand...
which program costs that much?
 
Guocamole said:
Probably better off working a few years first- most endo programs like experience anyways so it’s a way to pay down some of those loans. Private interest rates are also crazy right now and federal is capped
Click to expand...
But wouldn’t working as an endodontist earlier give me a better ROI financially?
 
apollonicavity said:
But wouldn’t working as an endodontist earlier give me a better ROI financially?
Click to expand...
It would, but with how competitive it is, you may be forced to work a couple of years anyway as you apply. Not the worst case as most programs like experience, and you get to pay down some of your loans as someone else pointed out. Plus, this is predicated on the idea you're applying strictly to the most expensive programs. Which begs the question why couldn't you just get into a program with much lower tuition? It's not "financial suicide", and you still get to be an endodontist.
 
I don’t prefer private schools, I applied broadly. I’m just getting interviews from private schools. I will happily go to the cheapest program.
 
apollonicavity said:
But wouldn’t working as an endodontist earlier give me a better ROI financially?
Click to expand...
It really depends on what kind of lifestyle you want. In my area a lot of people do not work five days a week. What most people don’t tell you is that working five days a week, while lucrative may not be worth it. Seeing 6-8 cases a day plus emergencies can be very soul sucking. Referrals can be very demanding and patients can wear you down overtime. Couple this, with the stress of you needing to pay your monthly loan which may affect your clinical ethics. Other factors include where you live, insurance, reimbursement rates, and family, kids, vacation time, etc. My wife is a specialist, but works two days a week. If this is you, I would say it’s not worth that kind of debt. Overall, the money is nice, but consider your quality of life too and a large debt can loom over you for a long time.
 
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ClubbedPenguins said:
Any guess on how many of those are applicants competing for the 3 domestic spots?
Click to expand...
I'm not sure how to answer your question? It was all on zoom, so you didn't really get to interact with anyone. There was a zoom "waiting room" where you could theoretically chat with the few others that were in the queue for the couple minutes before your other interview but that was it. I just remember there were about 30 numbers/ applicants on the master interview sheet they sent and it was it was like 20-30 min interviews with 4 or 5 different faculty. They had like 200-250 applicants and they interviewed about 30 for those spots that they had.
 
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JmavDDS said:
I'm not sure how to answer your question? It was all on zoom, so you didn't really get to interact with anyone. There was a zoom "waiting room" where you could theoretically chat with the few others that were in the queue for the couple minutes before your other interview but that was it. I just remember there were about 30 numbers/ applicants on the master interview sheet they sent and it was it was like 20-30 min interviews with 4 or 5 different faculty. They had like 200-250 applicants and they interviewed about 30 for those spots that they had.
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Do you feel like these virtual interviews are kind of just a formality to say they had interviews? i.e they already know who they want to take?
 
gorilla3 said:
Do you feel like these virtual interviews are kind of just a formality to say they had interviews? i.e they already know who they want to take?
Click to expand...
I am not knowledgeable to know for certain. I applied last year and I feel like I was sort of late getting my app in and didn't have the supplemental completed and got an interview somehow but ultimately did not get in. This year I had my app sent in early, I have more experience and feel my application is better and apparently I did not get an interview this year. I have no idea about their process. They do have that ACT program at UCLA and maybe select someone from that into the program. Also I did read on SDN that they like people that attended IVY league schools. I kind of didn't believe the IVY thing, but last year at least one of the people that was chosen had an IVY school background, so maybe there is some truth to that.
 
Is there any current resident at NYU Langone Brooklyn or anyone who has interviewed there? I'd really appreciate hearing about your interview experience, the types of questions you were asked, or any tips or advice you might have.
 
JmavDDS said:
I am not knowledgeable to know for certain. I applied last year and I feel like I was sort of late getting my app in and didn't have the supplemental completed and got an interview somehow but ultimately did not get in. This year I had my app sent in early, I have more experience and feel my application is better and apparently I did not get an interview this year. I have no idea about their process. They do have that ACT program at UCLA and maybe select someone from that into the program. Also I did read on SDN that they like people that attended IVY league schools. I kind of didn't believe the IVY thing, but last year at least one of the people that was chosen had an IVY school background, so maybe there is some truth to that.
Click to expand...

You mention you haven't received an interview, but from my knowledge invites have not been sent out yet.
 
gorilla3 said:
Do you feel like these virtual interviews are kind of just a formality to say they had interviews? i.e they already know who they want to take?
Click to expand...


Over the last 5 years, UCLA has always selected one candidate from Harvard. In 2023, they selected two Harvard candidates (they just graduated).

Historically, they also accept an internal candidate (UCLA grad).

So in reality you may be really competing for just one spot.

They typically interview on zoom, about 30 candidates, but they already know who they're picking, and yes I would say the interview is merely a formality. The program director is known to play favorites, and she has been there a long time so her M.O. very obvious. She makes all the decisions, and the residents have no say in the matter. Faculty can make recommendations, but she gets the final say, and rumor has it she already has a list of her top three candidates before even sending out any interview invites.

Not trying to be salty, just stating facts. UCLA posts their resident bios online, you can check them out for yourselves.

I do have an internal connection at UCLA, and there is a lot of inner turmoil within that dental school right now. Many elite faculty have left, and the school is struggling to get donations. Of course a lot people want UCLA because of the stipend and no tuition, but I would stay far away from them.
 
I can only speak for Pitt, it used to be that the residents had equal say to the program Director and faculty, and there was a vote we would take after all interviews were done. Yes, we had our favorites and realistically there weren’t as many spots available as people thought. Residents could talk up applicants and we ended up making pretty awesome resident classes from it. We were a tight knit family. After the regime change, the PD likely only makes the decision and is very stats driven. I think a lot of excellent candidates/future endos are overlooked due to simply overlooking on somebody’s application. Hurts a little to see now.
 
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Ohio State University - Invites sent (May 13th); interview (June 30th and July 1st)
VA New York - Invite sent (May 19th); interview (June 22)
Saint Louis University - Invites sent (May 19th); interview (June 16th) - Offers sent
University of Minnesota - Invites sent (May 27th and June 15th); interview (July 7th and 8th)
University of Pittsburgh - Invite sent (May 29th); Interview (July 10th)
Texas A&M University Baylor College of Dentistry - Invite sent (June 1); Interview (July 7) - OFFERS SENT
University of Texas at San Antonio - Invite sent (June 2); interview (June 12) - Offers sent
University of Nebraska - Invite sent (June 3rd); interview (July 15th and 16th)
University of Florida - Invites sent (Jun 7th); interview (June 29th) - OFFERS SENT
Oregon Health & Science University - Invites sent (June 8); interview (July 8th)
Albert Einstein Medical Center - Invites sent (June 8); interview (June 23rd)
University of Pennsylvania - invite sent (June 12); interview (July 20, July 22)
University of Texas at Houston - Invite sent (June 15th); Interview (July 14th)
Georgia Regents University (Augusta Univ) - Invites sent ( First round ???, 2nd round June 23); Interview (July 13?)
Stony Brook University - Invites sent (? date), Interview (June 30 and July 2)
University of Louisville - Invites sent (6/15, 6/18, 6/20, 6/23) Interview (7/10)
Rutgers School of Dental Medicine - Invite sent (June 16th), interview (June 22nd) - First round offers sent
University of Washington - Invites sent (June 15th), interview (July 7th and 9th)
Indiana University - Invites sent (June 15th and 20th), interview (July 10th)
Virginia Commonwealth University - Invite sent (June 18), interview (july 16)
Nova Southeastern University - Invite sent (July 2nd), interview (July 20th and 29th)
University of Missouri-Kansas City - invite sent (june 22, june 25) interview (july 8)
University of North Carolina -invite sent (june 22) interview (july 8).
University of Kentucky- invite sent (6/18), Interview (7/10)
Louisiana State University- invites sent ( ???), interview (???)
University of Tennessee Health Science Center - invite sent out for zoom call (???), interview (???); offers sent
Marquette University - invite June 5th & July 6th, formal email to follow July 15; interview July 24.
Tufts University - invite (june 24), interview (July 20, 21, 22) ** updating interview dates
University of California at San Francisco - invite sent (6/23), interview (7/9)
University of Illinois at Chicago - invite (06/25 email), interview July 8th or July 9th.
New York University - Invites sent (June 4th, June 18th, June 29th); interview (June 16th, June 30th, July 14th) - first round of offers sent,
University of Southern California- Invites sent (June 26); Interview (July 20, 21)
NYU Langone (Lutheran Medical Center) - invite sent (June 29th); interview (July 15th, July 16th)
University of Alabama at Birmingham - invite sent (July 1st); interview (July 10th)
Nova Southeastern University - invite sent (July 2nd) interview (July 20th and 29th)
Harvard University - Invite sent (July 2), interview (July 30, 31)
Temple University - Invite sent (July 2nd) interview (July 22nd)
University of Iowa - Invite sent (July 2nd); interview (July 9th)
University of Maryland - Invite sent (July 3rd); interview (July 10th)
**NEW** Boston University - Invites sent (July 6), interview (?)
Medical University of South Carolina - Invites sent (?), interview (?)
University of California at Los Angeles - Invites sent (July 11), interview (July 17)

Loma Linda University -
University of the Pacific -
University of Connecticut -
Southern Illinois University -
University of Detroit Mercy -
University of Michigan -
Columbia University -
NYU Langone Puerto Rico -
University at Buffalo, The State University of New York -
Case Western Reserve University -
West Virginia University -
 
gutofpurcha said:
You mention you haven't received an interview, but from my knowledge invites have not been sent out yet.
Click to expand...
Someone had messaged me and said that they had received an interview invite. I didn't bother to verify, so I'm sorry if I was mistaken. I was just bummed after reading that but I'm sorry If I was incorrect and mislead people.
 
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gutofpurcha said:
You mention you haven't received an interview, but from my knowledge invites have not been sent out yet.
Click to expand...
is the forum incorrect? they are saying they have sent out interviews, but I am also not sure, what makes you say they have not been sent out yet? Thank uuu
 
hiiiiii@8 said:
is the forum incorrect? they are saying they have sent out interviews, but I am also not sure, what makes you say they have not been sent out yet? Thank uuu
Click to expand...
Another user had messaged me saying the received an interview invite. I took them at their word. Beyond that, I'm unsure if it's true. I am sorry if that was not correct, I didn't verify
 
JmavDDS said:
Another user had messaged me saying the received an interview invite. I took them at their word. Beyond that, I'm unsure if it's true. I am sorry if that was not correct, I didn't verify
Click to expand...
oh I see! do you know if its usually one or two rounds of interviews?
 
Updating offers sent

Ohio State University - Invites sent (May 13th); interview (June 30th and July 1st)
VA New York - Invite sent (May 19th); interview (June 22)
Saint Louis University - Invites sent (May 19th); interview (June 16th) - Offers sent
University of Minnesota - Invites sent (May 27th and June 15th); interview (July 7th and 8th) - OFFERS SENT
University of Pittsburgh - Invite sent (May 29th); Interview (July 10th)
Texas A&M University Baylor College of Dentistry - Invite sent (June 1); Interview (July 7) - OFFERS SENT
University of Texas at San Antonio - Invite sent (June 2); interview (June 12) - Offers sent
University of Nebraska - Invite sent (June 3rd); interview (July 15th and 16th)
University of Florida - Invites sent (Jun 7th); interview (June 29th) - OFFERS SENT
Oregon Health & Science University - Invites sent (June 8); interview (July 8th)
Albert Einstein Medical Center - Invites sent (June 8); interview (June 23rd)
University of Pennsylvania - invite sent (June 12); interview (July 20, July 22)
University of Texas at Houston - Invite sent (June 15th); Interview (July 14th)
Georgia Regents University (Augusta Univ) - Invites sent ( First round ???, 2nd round June 23); Interview (July 13?)
Stony Brook University - Invites sent (? date), Interview (June 30 and July 2)
University of Louisville - Invites sent (6/15, 6/18, 6/20, 6/23) Interview (7/10)
Rutgers School of Dental Medicine - Invite sent (June 16th), interview (June 22nd) - offers sent
University of Washington - Invites sent (June 15th), interview (July 7th and 9th)- OFFERS SENT
Indiana University - Invites sent (June 15th and 20th), interview (July 10th)
Virginia Commonwealth University - Invite sent (June 18), interview (july 16)
Nova Southeastern University - Invite sent (July 2nd), interview (July 20th and 29th)
University of Missouri-Kansas City - invite sent (june 22, june 25) interview (july 8)
University of North Carolina -invite sent (june 22) interview (july 8).
University of Kentucky- invite sent (6/18), Interview (7/10)
Louisiana State University- invites sent ( ???), interview (???)
University of Tennessee Health Science Center - invite sent out for zoom call (???), interview (???); offers sent
Marquette University - invite June 5th & July 6th, formal email to follow July 15; interview July 24.
Tufts University - invite (june 24), interview (July 20, 21, 22) ** updating interview dates
University of California at San Francisco - invite sent (6/23), interview (7/9)
University of Illinois at Chicago - invite (06/25 email), interview July 8th or July 9th.
New York University - Invites sent (June 4th, June 18th, June 29th); interview (June 16th, June 30th, July 14th) - first round of offers sent,
University of Southern California- Invites sent (June 26); Interview (July 20, 21)
NYU Langone (Lutheran Medical Center) - invite sent (June 29th); interview (July 15th, July 16th)
University of Alabama at Birmingham - invite sent (July 1st); interview (July 10th)
Nova Southeastern University - invite sent (July 2nd) interview (July 20th and 29th)
Harvard University - Invite sent (July 2), interview (July 30, 31)
Temple University - Invite sent (July 2nd) interview (July 22nd)
University of Iowa - Invite sent (July 2nd); interview (July 9th)
University of Maryland - Invite sent (July 3rd); interview (July 10th)
Boston University - Invites sent (July 6), interview (?)
Medical University of South Carolina - Invites sent (?), interview July 10- OFFERS SENT
University of California at Los Angeles - Invites sent (July 11), interview (July 17)

Loma Linda University -
University of the Pacific -
University of Connecticut -
Southern Illinois University -
University of Detroit Mercy -
University of Michigan -
Columbia University -
NYU Langone Puerto Rico -
University at Buffalo, The State University of New York -
Case Western Reserve University -
West Virginia University -
 
Ohio State University - Invites sent (May 13th); interview (June 30th and July 1st)
VA New York - Invite sent (May 19th); interview (June 22)
Saint Louis University - Invites sent (May 19th); interview (June 16th) - Offers sent
University of Minnesota - Invites sent (May 27th and June 15th); interview (July 7th and 8th) - OFFERS SENT
University of Pittsburgh - Invite sent (May 29th); Interview (July 10th)
Texas A&M University Baylor College of Dentistry - Invite sent (June 1); Interview (July 7) - OFFERS SENT
University of Texas at San Antonio - Invite sent (June 2); interview (June 12) - Offers sent
University of Nebraska - Invite sent (June 3rd); interview (July 15th and 16th)
University of Florida - Invites sent (Jun 7th); interview (June 29th) - OFFERS SENT
Oregon Health & Science University - Invites sent (June 8); interview (July 8th)
Albert Einstein Medical Center - Invites sent (June 8); interview (June 23rd)
University of Pennsylvania - invite sent (June 12); interview (July 20, July 22)
University of Texas at Houston - Invite sent (June 15th); Interview (July 14th)
Georgia Regents University (Augusta Univ) - Invites sent ( First round ???, 2nd round June 23); Interview (July 13?)
Stony Brook University - Invites sent (? date), Interview (June 30 and July 2)
University of Louisville - Invites sent (6/15, 6/18, 6/20, 6/23) Interview (7/10)
Rutgers School of Dental Medicine - Invite sent (June 16th), interview (June 22nd) - offers sent
University of Washington - Invites sent (June 15th), interview (July 7th and 9th)- OFFERS SENT
Indiana University - Invites sent (June 15th and 20th), interview (July 10th)
Virginia Commonwealth University - Invite sent (June 18), interview (july 16)
Nova Southeastern University - Invite sent (July 2nd), interview (July 20th and 29th)
University of Missouri-Kansas City - invite sent (june 22, june 25) interview (july 8)
University of North Carolina -invite sent (june 22) interview (july 8).
University of Kentucky- invite sent (6/18), Interview (7/10)
Louisiana State University- invites sent ( ???), interview (???)
University of Tennessee Health Science Center - invite sent out for zoom call (???), interview (???); offers sent
Marquette University - invite June 5th & July 6th, formal email to follow July 15; interview July 24.
Tufts University - invite (june 24), interview (July 20, 21, 22) ** updating interview dates
University of California at San Francisco - invite sent (6/23), interview (7/9)
University of Illinois at Chicago - invite (06/25 email), interview July 8th or July 9th.
New York University - Invites sent (June 4th, June 18th, June 29th); interview (June 16th, June 30th, July 14th) - first round of offers sent,
University of Southern California- Invites sent (June 26); Interview (July 20, 21)
NYU Langone (Lutheran Medical Center) - invite sent (June 29th); interview (July 15th, July 16th)
University of Alabama at Birmingham - invite sent (July 1st); interview (July 10th)
Nova Southeastern University - invite sent (July 2nd) interview (July 20th and 29th)
Harvard University - Invite sent (July 2), interview (July 30, 31)
Temple University - Invite sent (July 2nd) interview (July 22nd)
University of Iowa - Invite sent (July 2nd); interview (July 9th)
University of Maryland - Invite sent (July 3rd); interview (July 10th)
Boston University - Invites sent (July 6), interview (?)
Medical University of South Carolina - Invites sent (?), interview July 10- OFFERS SENT
University of California at Los Angeles - Invites sent (July 11), interview (July 17)
AIDM - Invites sent (July 13); Interview August 1st

Loma Linda University -
University of the Pacific -
University of Connecticut -
Southern Illinois University -
University of Detroit Mercy -
University of Michigan -
Columbia University -
NYU Langone Puerto Rico -
University at Buffalo, The State University of New York -
Case Western Reserve University -
West Virginia University -
 
thetoothhurts93 said:
Ohio State University - Invites sent (May 13th); interview (June 30th and July 1st)
VA New York - Invite sent (May 19th); interview (June 22)
Saint Louis University - Invites sent (May 19th); interview (June 16th) - Offers sent
University of Minnesota - Invites sent (May 27th and June 15th); interview (July 7th and 8th) - OFFERS SENT
University of Pittsburgh - Invite sent (May 29th); Interview (July 10th)
Texas A&M University Baylor College of Dentistry - Invite sent (June 1); Interview (July 7) - OFFERS SENT
University of Texas at San Antonio - Invite sent (June 2); interview (June 12) - Offers sent
University of Nebraska - Invite sent (June 3rd); interview (July 15th and 16th)
University of Florida - Invites sent (Jun 7th); interview (June 29th) - OFFERS SENT
Oregon Health & Science University - Invites sent (June 8); interview (July 8th)
Albert Einstein Medical Center - Invites sent (June 8); interview (June 23rd)
University of Pennsylvania - invite sent (June 12); interview (July 20, July 22)
University of Texas at Houston - Invite sent (June 15th); Interview (July 14th)
Georgia Regents University (Augusta Univ) - Invites sent ( First round ???, 2nd round June 23); Interview (July 13?)
Stony Brook University - Invites sent (? date), Interview (June 30 and July 2)
University of Louisville - Invites sent (6/15, 6/18, 6/20, 6/23) Interview (7/10)
Rutgers School of Dental Medicine - Invite sent (June 16th), interview (June 22nd) - offers sent
University of Washington - Invites sent (June 15th), interview (July 7th and 9th)- OFFERS SENT
Indiana University - Invites sent (June 15th and 20th), interview (July 10th)
Virginia Commonwealth University - Invite sent (June 18), interview (july 16)
Nova Southeastern University - Invite sent (July 2nd), interview (July 20th and 29th)
University of Missouri-Kansas City - invite sent (june 22, june 25) interview (july 8)
University of North Carolina -invite sent (june 22) interview (july 8).
University of Kentucky- invite sent (6/18), Interview (7/10)
Louisiana State University- invites sent ( ???), interview (???)
University of Tennessee Health Science Center - invite sent out for zoom call (???), interview (???); offers sent
Marquette University - invite June 5th & July 6th, formal email to follow July 15; interview July 24.
Tufts University - invite (june 24), interview (July 20, 21, 22) ** updating interview dates
University of California at San Francisco - invite sent (6/23), interview (7/9)
University of Illinois at Chicago - invite (06/25 email), interview July 8th or July 9th.
New York University - Invites sent (June 4th, June 18th, June 29th); interview (June 16th, June 30th, July 14th) - first round of offers sent,
University of Southern California- Invites sent (June 26); Interview (July 20, 21)
NYU Langone (Lutheran Medical Center) - invite sent (June 29th); interview (July 15th, July 16th)
University of Alabama at Birmingham - invite sent (July 1st); interview (July 10th)
Nova Southeastern University - invite sent (July 2nd) interview (July 20th and 29th)
Harvard University - Invite sent (July 2), interview (July 30, 31)
Temple University - Invite sent (July 2nd) interview (July 22nd)
University of Iowa - Invite sent (July 2nd); interview (July 9th)
University of Maryland - Invite sent (July 3rd); interview (July 10th)
Boston University - Invites sent (July 6), interview (?)
Medical University of South Carolina - Invites sent (?), interview July 10- OFFERS SENT
University of California at Los Angeles - Invites sent (July 11), interview (July 17)
AIDM - Invites sent (July 13); Interview August 1st

Loma Linda University -
University of the Pacific -
University of Connecticut -
Southern Illinois University -
University of Detroit Mercy -
University of Michigan -
Columbia University -
NYU Langone Puerto Rico -
University at Buffalo, The State University of New York -
Case Western Reserve University -
West Virginia University -
Click to expand...
Do you know if aidm is doing multiple batches or just one?
 
Cleaned up and updated the list

Schools that have sent offers:
  1. Ohio State University - Offers sent
  2. VA New York - Offers sent
  3. Saint Louis University - Offers sent
  4. University of Minnesota - Offers sent
  5. University of Pittsburgh - Offers sent
  6. Texas A&M University Baylor College of Dentistry - Offers sent
  7. University of Texas at San Antonio - Offers sent
  8. University of Florida - Offers sent
  9. Oregon Health & Science University - Offers sent
  10. Albert Einstein Medical Center - Offers sent
  11. Stony Brook University - Offers sent
  12. University of Louisville - Offers sent
  13. Rutgers School of Dental Medicine - Offers sent
  14. University of Washington - Offers sent
  15. Indiana University - Offers sent
  16. University of Missouri-Kansas City - Offers sent
  17. University of North Carolina - Offers sent
  18. University of Kentucky - Offers sent
  19. Louisiana State University - Offers sent
  20. University of Tennessee Health Science Center - Offers sent
  21. University of California at San Francisco - Offers sent
  22. University of Illinois at Chicago - Offers sent
  23. New York University - Offers sent
  24. University of Alabama at Birmingham - Offers sent
  25. University of Iowa - Offers sent
  26. University of Maryland - Offers sent
  27. Medical University of South Carolina - Offers sent

Interviews (according to date)

Georgia Regents University (Augusta) - Interview (July 13)
University of Texas at Houston - Interview (July 14th)
University of Nebraska - Interview (July 15th and 16th)
NYU Langone (Lutheran Medical Center) -Interview (July 15th, July 16th)
Virginia Commonwealth University - Interview (July 16)
University of California at Los Angeles - Interview (July 17)
University of Pennsylvania - Interview (July 20, July 22)
Nova Southeastern University - Interview (July 20th and 29th)
Tufts University - Interviews (July 20, 21, 22)
University of Southern California- Interviews (July 20, 21)
Temple University - Interview (July 22nd)
Marquette University - Interview (July 24)
Harvard University - Interview (July 30, 31)
AIDM - Interview (August 1st)
Boston University - Interview (?)


Invites not yet sent:

Loma Linda University -
University of the Pacific -
University at Buffalo, The State University of New York -
Columbia University -
University of Connecticut -
West Virginia University -
Southern Illinois University -
University of Detroit Mercy -
University of Michigan -
Case Western Reserve University -
NYU Langone Puerto Rico -
 
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apollonicavity said:
When does residency stop making sense financially?

Current D4, will graduate with $300k federal loans. Residency for me looking like another $400k in private loans. After interest, $1M debt when I start practicing. I really do want this to by my career, but I don’t know if it’s financial suicide. Please help.
Click to expand...
Not worth it. It is definitely a financial suicide ! 1M !!! No matter what is your situation, $1M to be an endodontist.. it is not worth it!!
 
endo@2025 said:
Not worth it. It is definitely a financial suicide ! 1M !!! No matter what is your situation, $1M to be an endodontist.. it is not worth it!!
Click to expand...
Absolutely agree. If you've been through finances in the real world, anybody would agree with this. If you have been stuck in school forever, you wouldn't understand it until you feel it with your own skin. Probably thinking you are going to be a high roller but 1m after-tax plus interest (with today's interest rates and i don't see it coming lower any time soon), woof. The golden ages of dentistry has passed and it's getting worse. People in their 60s will tell you their experience and tell you it's worth it but back then it was way different. Don't get fooled. When they bought a house it was like 50-80k, now worth 10-20x that while their income back then probably was similar to today's (i.e. they probably could have bought a house every month or two back then).

Well I guess you could pay it back, if you live frugally, not reward yourself like crazy, not a big house, no fancy cars, not have a family, work 6 days a week 8-10 cases a day for a couple of years. But you have no idea what life throws at you as you get older.

Be very careful
 
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