Sinai vs Einstein

[lf2018]

Hi all,

I have been accepted to Einstein with a full tuition scholarship. I recently got accepted at Sinai with 30k in need based aid. The difference in COA between the schools is about 90k. Both schools serve my interests in population health and health disparities well. I’m also interested in gastroenterology and have identified research opportunities within each system. I loved Sinai when I interviewed and fell in love with Einstein when I revisited.

My main question is how much of an actual difference there is between the “prestige” of Einstein and Sinai & is Sinai worth an additional 90k.

An additional point is that I’m interested in pursuing an MPH. I would have the opportunity to pursue a dual degree at Sinai but not at Einstein. However, the cost difference at Einstein will make the additional debt to obtain an MPH later on more approachable.

Any and all input and points of view are welcome. Thanks in advance!

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[Shammyguy3]

Einstein for the cheaper tuition

 

[meronebib]

Sinai. 90k isn’t much over the years. Sinai is a step above Einstein in terms of reputation. Qualify of life would likely be higher at Sinai too, given its location and curriculum (hello no AOA).

 

[lalalallala]

Go on an excel doc and put in your loans for first year then add a year of interest, add your loan amount for the 2nd year, add interest again, 3rd yr, interest, 4th yr, interest etc through residency and a fellowship if you are considering that. You will see that the 90k difference with origination fees and interest can easily get to a 150-200k difference by the time you pay it back. I think it is important to actually do the math and see it.

If the prices were the same or like a 40k total difference then I would pick Sinai, but it would end up being a 150-200k difference at the end of the day which is not worth it to me. Maybe for Harvard it would be worth it in my eyes but not for Einstein vs Sinai. Just my opinion ofc

 

[lalalallala]

An additional point: Sinai was ranked 37th on the residency director rankings last yr and Einstein came in at 46th. Does not seem like a major difference

 

[LongLiveThanos]

Einstein isn't going to prevent you from achieving the same things if you were to attend Sinai. You could always decide to do research and away rotations in any of the NYC schools.

 

[Shammyguy3]

Go on an excel doc and put in your loans for first year then add a year of interest, add your loan amount for the 2nd year, add interest again, 3rd yr, interest, 4th yr, interest etc through residency and a fellowship if you are considering that. You will see that the 90k difference with origination fees and interest can easily get to a 150-200k difference by the time you pay it back. I think it is important to actually do the math and see it.

If the prices were the same or like a 40k total difference then I would pick Sinai, but it would end up being a 150-200k difference at the end of the day which is not worth it to me. Maybe for Harvard it would be worth it in my eyes but not for Einstein vs Sinai. Just my opinion ofc

An additional point: Sinai was ranked 37th on the residency director rankings last yr and Einstein came in at 46th. Does not seem like a major difference

Einstein isn't going to prevent you from achieving the same things if you were to attend Sinai. You could always decide to do research and away rotations in any of the NYC schools.

I agree with these points

 

[meronebib]

Go on an excel doc and put in your loans for first year then add a year of interest, add your loan amount for the 2nd year, add interest again, 3rd yr, interest, 4th yr, interest etc through residency and a fellowship if you are considering that. You will see that the 90k difference with origination fees and interest can easily get to a 150-200k difference by the time you pay it back. I think it is important to actually do the math and see it.

If the prices were the same or like a 40k total difference then I would pick Sinai, but it would end up being a 150-200k difference at the end of the day which is not worth it to me. Maybe for Harvard it would be worth it in my eyes but not for Einstein vs Sinai. Just my opinion ofc

This is stretching it though. OP will have the means to at least pay interest during residency and fellowship. And at 90k over 4 years, OP is looking at borrowing around 22.5k a year. That amounts to around 16k total interest accumulated during medical school, assuming a 6.6% interest rate (it’s actually 6% now for the federal loan, but with the origination fees (~1%) this calculation should be close). Of course this is additional debt to what the OP is already taking on.

 

[lalalallala]

This is stretching it though. OP will have the means to at least pay interest during residency and fellowship. And at 90k over 4 years, OP is looking at borrowing around 22.5k a year. That amounts to around 16k total interest accumulated during medical school, assuming a 6.6% interest rate (it’s actually 6% now for the federal loan, but with the origination fees (~1%) this calculation should be close). Of course this is additional debt to what the OP is already taking on.

OP should do the math for themselves not take my word for it. They likely would not be able to pay the interest off during residency and fellowship because they would still have to pay the interest off from the rest of the loans (not just the difference between Einstein and Sinai). Many people decide to get married or start a family during that time so you may also not have as much free cash as you might expect.

 

[SuperMonkeyDude]

Einstein, OP. I've seen alot of people match very well in Einstein for specialities, and since you're interested in gastroenterology, Einstein has a strong foundation in that. Rankings should not matter so much in the long run, it'd be myopic to just focus on rankings. The full tuition is also a bonus. 🙂 Either way, I think you'll become an excellent doctor. Congratulations!