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Does anyone know if we have access to the pool/gym at Presbyterian center? I can't think of the name of the building right now...
oudoc08 said:I didn't know Medloans had a zero fees option. Last year, I believe they were 3% orig. w/ a 1% guarantee fee. (Higher than most other lenders w/ a 2% orig. and 1% guar.)
Amxcvbcv said:Here's what I'm using for comparison:
http://www.aamc.org/students/medloans/loanstates/loans/bothstaffordoptions_bankone.htm
Now if I could just find their damn lender code.
In the award letter from OU there was a list of preferred lenders, and it listed Medloans, but it only had one lender code. I'm assuming the different medloans options will have different lender codes?
Edit: Upon further exploration it seems that the two Medloans options are actually serviced by two different banks, at least as far as I can tell.
Bank One for the classic option - lender code 808626 (This seems to be the one off the preferred lender list from OU).
Dollar Bank for the zero fees option - lender code 522583.
The 3.3% loan credit after 33 payments looks pretty nice to me, but I'm even strongly considering the classic option.
They take 3% up front for the origination fee, but I get 3.5% back at graduation plus another 4.5% after 33 payments (all percentages based on the original loan amount).
More money now or more money later?
That also reminds me. How realistic is it to expect to make 33 on time payments in a row? It's easy to say right now I won't miss a payment, but they obviously have that requirement for the incentive for a reason.
oudoc08 said:Remember, any money you borrow now that is unsubsidized (anything above 8500/yr) you will have accrued interest building on. That includes any origination and guarantee fees. So a similar deal on the front side of the loan is usually a better deal, unless the back side terms are much better.
Make for sure you get the lender code for the specific loan.
I originally put Bank of America's generic lender code that was on OU's preferred lender list. When I got my paperwork, there was like 1500.00 worth of fees on there. It took me a bunch of phone calls and alot of stress before finding out that specific loans have specific lender codes.
Amxcvbcv said:A lady at the OU financial aid office said you have either 90 or 120 days to return any disbursed funds without question.
Give them a call, if you want! They were very friendly.
oudoc08 said:Sounds right to me. In addition, you can pay back the interest throughout school which will help greatly in the long run.
Don't worry, you guys aren't the only ones that feel like you're borrowing too much.
BTW, having impacted wisdom teeth removed sucks. I had it done last friday.
Amxcvbcv said:Ouch! I know the feeling. I had all four of mine removed under general anesthesia about 4 years ago. On top of that, my overzealous cleaning in the week afterward left me with dry sockets, and that was horrible!
When they tell you to avoid using a straw for a week or so and to rinse your mouth gently, listen to them. Also make sure your painkiller prescription is for long enough.
oudoc08 said:It's better now, I still have a little pain and some brusing, as well as these rock hard knots in my jaw, but the swelling is gone, so I don't look like a chipmunk anymore. Ibuprofen works well, and I go back this afternoon to get my sutures out. Not the worst experience in the world, but still not much fun.
I got lucky, I have no dry socket as of yet, but I did have one after an extraction a few years ago. Holy crap that hurts.
biendesalud said:When I had mine pulled (all four at once) the dentist accidentally sutured a part of my cheek to my gum.....it really hurt to laugh.
aj114 said:Does anyone know if we have access to the pool/gym at Presbyterian center? I can't think of the name of the building right now...
lfesiam said:Hey OUdoc - Thanks for the advice =) Office space rocks! I have to try this Boulevard everyone is talking about...
Yep I'm totally pumped for the fall! As for the summer, I'm looking into an all-inclusive resort packages to cazumel, mexico (sandwich btw 2 beachside..it's so sweet) includes all water ski activities/ 3stars/ meals/ open bar/ spa/ air/ 5 days, 4 nights/ $700 (can't beat that huh?..a good way to spend the tax refunds)
island in the sun...oh yea
Hum, that sounds good. I 'm going to check into Cazumel! What is the name of the resort?lfesiam said:Hey OUdoc - Thanks for the advice =) Office space rocks! I have to try this Boulevard everyone is talking about...
Yep I'm totally pumped for the fall! As for the summer, I'm looking into an all-inclusive resort packages to cazumel, mexico (sandwich btw 2 beachside..it's so sweet) includes all water ski activities/ 3stars/ meals/ open bar/ spa/ air/ 5 days, 4 nights/ $700 (can't beat that huh?..a good way to spend the tax refunds)
island in the sun...oh yea
Amxcvbcv said:Ouch! I know the feeling. I had all four of mine removed under general anesthesia about 4 years ago. On top of that, my overzealous cleaning in the week afterward left me with dry sockets, and that was horrible!
When they tell you to avoid using a straw for a week or so and to rinse your mouth gently, listen to them. Also make sure your painkiller prescription is for long enough.
Dr Turninkoff said:if you deep sea fish, do a private charter. the big cheap boats suck bad and you won't catch anything.
Cricket09 said:Here's my wisdom teeth story:
Okay, so about three days after I had my wisdom teeth removed I was feelin great, I thought 'wow, I didn't think they would heal that fast, great!". Little did I know...The next day I woke up and my upper right socket was killin me. I figured it was just infected so I went to OSU's health center and sure enough the Doc said it was just infected and here's some pills yadda yadda yadda. Then, it kept on hurting and hurting and i realized that my sinus fluid and such gross stuff was draining from my sinus into my mouth. YUCK, they had drilled a hole into my sinus..could it get any worse??? Of course it could. So that friday, a week after my surgery, I went back in, got knocked out again, and had the surgeon repair the hole. OK so that should be it right? no. My right cheek swelled up so big that it looked like I had a tennis ball in my mouth. To make matters worse, all the trauma to my cheek muscles caused my jaw to be basically clamped shut. I couldnt eat unless it was liquid...So, i'm thinkin..well...i guess it'll go down in a couple of days. NO, it didn't so i went to class all week with this monstrous cheek and my jaw still locked firmly closed. Finally I couldn't take it anymore because it hurt more than i can describe. If I even touched my cheek it hurt like hell. So, i went back in the next friday and got knocked out again so they could fix it. Apparantly, something had happened during the 2nd surgery and my cheek had gotten all infected. So, they put a rubber tube thingy in the inside of my cheek and I had to leave it there until it was finished draining. Ugh! So I had nasty ooze coming outta this tube into my mouth. Pretty much the grossest and most painful ordeal ever....But after that THIRD surgery everything was all better Except for the scar tissue that i can still feel in my cheek...and the fact that my arms were so bruised from the IV's that I looked like a drug addict...<sigh> Just thought I would share that...
Cricket09 said:Here's my wisdom teeth story:
Okay, so about three days after I had my wisdom teeth removed I was feelin great, I thought 'wow, I didn't think they would heal that fast, great!". Little did I know...The next day I woke up and my upper right socket was killin me. I figured it was just infected so I went to OSU's health center and sure enough the Doc said it was just infected and here's some pills yadda yadda yadda. Then, it kept on hurting and hurting and i realized that my sinus fluid and such gross stuff was draining from my sinus into my mouth. YUCK, they had drilled a hole into my sinus..could it get any worse??? Of course it could. So that friday, a week after my surgery, I went back in, got knocked out again, and had the surgeon repair the hole. OK so that should be it right? no. My right cheek swelled up so big that it looked like I had a tennis ball in my mouth. To make matters worse, all the trauma to my cheek muscles caused my jaw to be basically clamped shut. I couldnt eat unless it was liquid...So, i'm thinkin..well...i guess it'll go down in a couple of days. NO, it didn't so i went to class all week with this monstrous cheek and my jaw still locked firmly closed. Finally I couldn't take it anymore because it hurt more than i can describe. If I even touched my cheek it hurt like hell. So, i went back in the next friday and got knocked out again so they could fix it. Apparantly, something had happened during the 2nd surgery and my cheek had gotten all infected. So, they put a rubber tube thingy in the inside of my cheek and I had to leave it there until it was finished draining. Ugh! So I had nasty ooze coming outta this tube into my mouth. Pretty much the grossest and most painful ordeal ever....But after that THIRD surgery everything was all better Except for the scar tissue that i can still feel in my cheek...and the fact that my arms were so bruised from the IV's that I looked like a drug addict...<sigh> Just thought I would share that...
Amxcvbcv said:Nice!
Who pays for the follow-up procedures if there are complications like that?
I'm sure there are, but not in our class. There is a definite animosity between med and dental students. You'll see what I mean.lfesiam said:it's official quiting job on june 24th, JULY = FUN IN THE SUN, AUGUST = OUHSC SOONERS, going to need help in learning all of the OU and OK traditions =)
wonder if there are MD/DMD docs (yep dentists need to be regulated! $$$$$ grubers)
lfesiam said:it's official quiting job on june 24th, JULY = FUN IN THE SUN, AUGUST = OUHSC SOONERS, going to need help in learning all of the OU and OK traditions =)
wonder if there are MD/DMD docs (yep dentists need to be regulated! $$$$$ grubers)
Smitty3L said:Wondering if any of you guys could recommend a doctor to shadow this summer.
Amxcvbcv said:Nice!
Who pays for the follow-up procedures if there are complications like that?
oudoc08 said:Location? Specialty?
Smitty3L said:I live in south OKC, and any primary care specialty, family practice, ER, pediatrician, etc.
Dr Turninkoff said:ouch.
Based on the results of a Treasury bill auction, the in-school rate on the federal Stafford loan will rise by 1.93 percentage points to 4.7 percent.
The rate for loans in repayment will rise by the same percentage to 5.3 percent, while the PLUS loan rate for parents will rise to 6.1 percent.
The rates are based on the three-month Treasury bill auctioned Tuesday. That bill carried a discount rate of 2.935 percent. The discount rate a year ago, before the Federal Reserve started to raise its guiding interest rate, was 1.050 percent. That resulted in the lowest interest rates ever for student loans.
Ginz20 said:I got my master promissory note in the mail the other day. Before I send it back I want to make sure that I have the right lender code. Does anyone know what the Bank of America code is that doesn't have all the extra charges?
Amxcvbcv said:I have one of those impatient type questions for the current OU med students.
When do we get login type information for the OUHSC? Particularly information on e-mail. I've been using my OU account for practically everything even though I graduated in 2004. I'm not sure when they cut you off, but I have a feeling my already numbered days are dwindling into the single digits. I've used this address for 5+ years and it's going to be a painful process, but it should be nice to have a new address that should give me a brief respite from the spam for German porn (or any kind, for that matter). I have a gmail account that I've been using off-and-on, but I'm just curious.
Which reminds me, I have 50 invites to send out on my gmail account. If anyone's interested in one, send me a PM.
als12179 said:the maximizer loan which is the no-fee option is 834004
biendesalud said:Does anybody know how early we need to order our computer (i.e. how long it takes to arrive). If I have savings or a credit card, is there any reason to wait for my financial aid disembursement before buying? I would prefer to begin enjoying my post y2k computer asap
Amxcvbcv said:If you've got the means now, I don't see why you can't go ahead and order one. Depending on where you get it from I bet most places would have it shipped to you within 2-7 days.
My mailbox is empty too. I remember seeing a post that OU will be sending info this month. I'm like you; I'm ready to get this show on the road.WhoisJohnGalt said:I heard that the dental students have started to get things, so I'm wondering where mine is-- but if you're all as empty-mailboxed as me, I'll try to be patient