I can see your points and appreciate them. Private loans for this year do knock bcom down to be fair. I like bcom's mandatory research. In regards to research, cusom felt the way some other DO schools say "Well hey we're near some places so maybe if you try hard and get lucky..."
Again, most people on this forum love cusom. Just my opinion. Would've attended if I got the scholarship.
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First of all, I would not qualify for the CUSOM scholarship so that doesn't apply. The 5k/year difference in tuition is a non-factor for me as well.
I actually don't mind the (temporary) federal loan issue. The way I look at it is that with $138,500 being the federal graduate loan maximum, the average student takes out 2 years of federal loans and 2 years of private loans. It makes no difference to me whether or not I take out those private loans year 1 and 4 instead of years 3 and 4
On the flip side, I would attack my four points above in this way:
1. I like the BCOM curriculum much more than CUSOM. It's proven and they give us a ton of extra resources. I provided a lot of commentary in a post above on why I liked BCOM's curriculum. The board scores of CUSOM should not be a huge factor in my decision since I like BCOM's curriculum a lot more.
2. Like you said, very few go through WakeMed. At BCOM, if I choose the Albuquerque hub for 3rd year, then I should be exposed to diverse pathology and thus be well prepared for Step 2 (What do you think of BCOM's clinical hubs? Which hub would you choose?)
3. BCOM requiring research makes it absolutely sure that I do research in medical school as opposed to maybe doing research at the MD schools near CUSOM.
4. I addressed it above but again I see no difference in taking out private loans years 1 and 4 instead of years 3 and 4.
In addition, I would much rather live in Las Cruces than rural North Carolina. I appreciate the connection with NMSU because of all the additional activities we would be exposed to going to a big state university vs a small, christian university. I also liked the social life when I went out on Saturday night. Medical school is going to be very stressful so I want outlets to destress on the weekends.