Student Loan Advice

[dmbgg]

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Here's what you do next: marry rich so he/she can pay off your student loans.

For-profit schools like CNCP will be pumping out pharmacists left and right. It just opened a few years ago and its class size is already in the 100s. They will be your competitors.

http://mobile.sdn.net/showthread.php?t=931914

You are so helpful.

 

[BMBiology]

You are so helpful.

Not willing to move away from your family and friends? Don't worry, someone will.

Not willing to accept $45 an hour pharmacist position? Don't worry, someone will.

Not willing to just work the 4-hour shift on a Friday night? Don't worry, someone will.

I am not trying to scare you but this is already happening.

 

[dmbgg]

Not willing to move away from your family and friends? Don't worry, someone will.

Not willing to accept $45 an hour pharmacist position? Don't worry, someone will.

Not willing to just work the 4-hour shift on a Friday night? Don't worry, someone will.

I am not trying to scare you but this is already happening.

I haven't really seen it in my area, or the surrounding states, but I will take your word for it.

Don't worry, you're not scaring me, lol.

 

[xiphoid2010]

This is how much my school is but I'm trying to do it for about a third of that. It's killing me working 40 hours a week though 🙁

Trade off between grades and work income is a long term career decision. A 3.8 GPA was worth $4-5k scholarship per year at my school, not to mention keeping residency option wide open. I figured working full time during class would make an extra $10k a year but will owe some taxes, lower GPA quite likely means lose scholarships and risk residency. So the net saving of only ~$5k/yr is just not worth the down side to me.

Another classmate was working full time and then some all the way through and living like hobo, but she graduated with maybe $25k in debt. She wanted to go back to Cali, work retail and get married, so it made sense for her.

 

[SHC1984]

Here's what you do next: marry rich so he/she can pay off your student loans.

This is the best advice I have ever seen anyone give on here! 👍

 

[BMBiology]

This is the best advice I have ever seen anyone give on here! 👍

When someone pays your student loan after you have graduated, it is considered as a "gift" and legally, he/she can't ask for it back.

 

[dmbgg]

This is the best advice I have ever seen anyone give on here! 👍

So you ready to do this thing, or what?

 

[SHC1984]

When someone pays your student loan after you have graduated, it is considered as a "gift" and legally, he/she can't ask for it back.

So you ready to do this thing, or what?

My last boyfriend will graduate medical school with NO debt at all. But we aren't together now....

I am still in the process of getting him back. *sigh*

Meanwhile anyone have any suggestions on WHERE I can meet a guy RICHER than my ex?

If I find a guy richer than my ex then I will get over my ex fast. lol... (but I do love him with all my heart.)

 

[dmbgg]

My last boyfriend will graduate medical school with NO debt at all. But we aren't together now....

I am still in the process of getting him back. *sigh*

Meanwhile anyone have any suggestions on WHERE I can meet a guy RICHER than my ex?

If I find a guy richer than my ex then I will get over my ex fast. lol...

Jesus Christ.

edit:

Ok, can a mod close this thread? Becoming sad.

 

[BMBiology]

My last boyfriend will graduate medical school with NO debt at all. But we aren't together now....

I am still in the process of getting him back. *sigh*

Meanwhile anyone have any suggestions on WHERE I can meet a guy RICHER than my ex?

If I find a guy richer than my ex then I will get over my ex fast. lol... (but I do love him with all my heart.)

You won't find him working at Rite Aid on a Friday night!

 

[Notecard]

Trade off between grades and work income is a long term career decision. A 3.8 GPA was worth $4-5k scholarship per year at my school, not to mention keeping residency option wide open. I figured working full time during class would make an extra $10k a year but will owe some taxes, lower GPA quite likely means lose scholarships and risk residency. So the net saving of only ~$5k/yr is just not worth the down side to me.

Another classmate was working full time and then some all the way through and living like hobo, but she graduated with maybe $25k in debt. She wanted to go back to Cali, work retail and get married, so it made sense for her.

Scholarships are only about $500-1k here and they assign them randomly to students who usually don't work at all. My GPA is still >3.5 though so I haven't completely sacrificed it. I work that much partly to stay out of trouble as well 😳 I'd have way too much free time and end up bored and out every other night.

 

[SHC1984]

You won't find him working at Rite Aid on a Friday night!

I don't work at all now. I am a P4 student so I do have rotations though.

Just tell me how do I find someone richer than my ex.

Since you are so good with giving advice TELL me what I should do.

 

[SHC1984]

Ok, can a mod close this thread? Becoming sad.

Dude, you need to listen to BMBiology. He really knows what he is talking about!

 

[BMBiology]

I don't work at all now. I am a P4 student so I do have rotations though.

Just tell me how do I find someone richer than my ex.

Since you are so good with giving advice TELL me what I should do.

I think you are looking in the wrong field. Doctors are just like pharmacists. They are heavy in debt and they need to work for a living. You need to marry someone who doesn't have to work.

You are more likely to find them in a good undergraduate/graduate business school (e.g., USC, UPENN, Stanford, etc). These people go to school just to get a degree and then they will inherit their family business. Go to their football tailgait and party, and mingle with them. I am sure they want a pretty and educated wife. It is good for business after all.

 

[dmbgg]

Dude, you need to listen to BMBiology. He really knows what he is talking about!

I am completely listening to him. Listening less to you, lol.

 

[SHC1984]

I think you are looking in the wrong field. Doctors are just like pharmacists. They are heavy in debt and they need to work for a living. You need to marry someone who doesn't have to work.

You are more likely to find them in a good undergraduate/graduate business school (e.g., USC, UPENN, Stanford, etc). These people go to school just to get a degree and then they will inherit their family business. Go to their football tailgait and party, and mingle with them. I am sure they want a pretty and educated wife. It is good for business after all.

Thanks I'll try that....Good thing I did go to a very good high school, undergrad, etc. LOL

I am completely listening to him. Listening less to you, lol.

He and I are telling you the SAME THING. Drop out now and marry rich.Unless you are ugly then you are screwed for life.

 

[dmbgg]

Thanks I'll try that....Good thing I did go to a very good high school, undergrad, etc. LOL



He and I are telling you the SAME THING. Drop out now and marry rich.Unless you are ugly then you are screwed for life.

Drop out and marry rich? Wow. Sounds fantastic. I will take my chances.

 

[Its Z]

What's the difference between gold digging vs. prostitution?

Something to ponder..

 

[xiphoid2010]

Scholarships are only about $500-1k here and they assign them randomly to students who usually don't work at all. My GPA is still >3.5 though so I haven't completely sacrificed it. I work that much partly to stay out of trouble as well 😳 I'd have way too much free time and end up bored and out every other night.

I doubt your school is just randomly doing it, although the process is not transparent to the students. Our school uses an uniform application for most of the scholarships, and they also provided private scholarship applications to only those that met criteria. So the process was relatively simple and streamlined. You find out your awards when you get the tuition/financial aid statement. Much of it is definitely based on GPA, since someone with a 3.2 GPA did not get any. U of Michigan also gave $6Kish in scholarship for their good students.

 

[Dr Wario]

I think the best advice I can give is to completely understand the consequences of any alternative your choose. You mentioned that you pay 900/month in rent, honestly that is fairly high for a student not receiving help from family. Let's assume you can get that down to 600/month (reasonable in most places if you have roommates) and take that 300 per month x 48 (the amount of time you will be in pharmacy school) = 14400. Now, instead of using that money for rent, let's assume you put it toward your loans and let's assume it will take you 20 years to pay off your loans at 6.8% interest. Doing the math, this means that you will save 43,267 in interest plus 14400 in principal = 57667 in savings for living in a slightly less expensive place for 4 years.

It is for you to decide if this is worth it or not. It will take effort to find a less expensive place and you may not like living with other people. If the cost of 57k is worth it to you, then live in the more expensive place, but if it is not, you may want to change something. I highly suggest that you look at every expense as if it costs you 6.8% interest for 20 years, because that is the reality. As a pharmacist, I make about $63 per hour, that means I would have to work an extra ~900 hours (22 wks) over 20 years to pay for the increase in rent.

 

[dmbgg]

I think the best advice I can give is to completely understand the consequences of any alternative your choose. You mentioned that you pay 900/month in rent, honestly that is fairly high for a student not receiving help from family. Let's assume you can get that down to 600/month (reasonable in most places if you have roommates) and take that 300 per month x 48 (the amount of time you will be in pharmacy school) = 14400. Now, instead of using that money for rent, let's assume you put it toward your loans and let's assume it will take you 20 years to pay off your loans at 6.8% interest. Doing the math, this means that you will save 43,267 in interest plus 14400 in principal = 57667 in savings for living in a slightly less expensive place for 4 years.

It is for you to decide if this is worth it or not. It will take effort to find a less expensive place and you may not like living with other people. If the cost of 57k is worth it to you, then live in the more expensive place, but if it is not, you may want to change something. I highly suggest that you look at every expense as if it costs you 6.8% interest for 20 years, because that is the reality. As a pharmacist, I make about $63 per hour, that means I would have to work an extra ~900 hours (22 wks) over 20 years to pay for the increase in rent.

I am definitely going to try to get in touch with a financial adviser and try to make some cuts where appropriate. That way I can find out how to minimize my loan amounts for the next 3 years.

I definitely do not want to find myself in a hole that I can't get out of. And I am definitely not ignorant to the fact that it can (and does in some cases) happen. That's why I chose to seek out advice.

Thanks for your post. So productive for my thought process.

 

[rxlea]

This thread is going to be an episode in my SDN cartoon

 

[Lubeckd]

Thanks I'll try that....Good thing I did go to a very good high school, undergrad, etc. LOL



He and I are telling you the SAME THING. Drop out now and marry rich.Unless you are ugly then you are screwed for life.

I'm dying from reading posts like these lmao. But there is some truth to this.

 

[BMBiology]

What's the difference between gold digging vs. prostitution?

Something to ponder..

ask your mom that!

 

[Guitarmacy]

My last boyfriend will graduate medical school with NO debt at all. But we aren't together now....

I am still in the process of getting him back. *sigh*

Meanwhile anyone have any suggestions on WHERE I can meet a guy RICHER than my ex?

If I find a guy richer than my ex then I will get over my ex fast. lol... (but I do love him with all my heart.)

I can get you the number of some good psychologists..

(and not for their money or to date them, in case you're wondering)

 

[SoylentGreen]

Thinking about income based repayment? Again, it is pretty crappy. I punched in $250,000 with 6.8% interest and $125,000 salary. I will be paying $1,350 per month for the next 25 years! I will be done with student loans right before I am about to retire!

http://www.ibrinfo.org/calculator.php

In that scenario you're taking home about $6000/month and paying $1350 on student loans. The remaining $4650 in still much more than the great majority of people out there take home. It might sound like crap to you, and it does to me, but to the pre-pharmers who aren't taking home half of that it'll sound pretty great. I would have gladly taken that when I was a tech making $12.50/hour.

 

[Momus]

1) I know several people with NO degrees that make more money than you and I will ever make in our lifetimes. So no it is NOT an easy choice. A degree does NOT equal money at all.

I know few people with no degree that are millionaires as well but I know most people with no degree are dirt poor living pay check to pay check. Anomalies do not make a great example. Most who graduated high school will only earn average $15/hr. That's a fact not anomalies. A degree will almost guarantee you a bump up in salaries provided you get the job. While we all know how bad the job market for pharmacist is nowadays, if you get a full time job you are almost guaranteed to make more than a high school graduate. Education has been proven to be able to move up your economic status. Be it a bachelor degree, doctorate or MD, it does not matter, people who have a degree in aggregate will make more money than no degree people.

They start their own business, make good investments or come up with something that no one else has thought about before.

You might want to check the failing rate of entrepreneurship. Probably only 5% of great ideas are really great ideas who can be turned into million dollars. You take statistics, right? You can try to build a start up 20 times, and each time you start over from the ground up after failing a start up, your probability of success for the next start up is still 5%, maybe a little better to 15% after you gain a bit of experience. How many times can you start over after failing the 15th time... when you are 55 yo with gray hair and no savings? You might get lucky or you might not.

That's why I only date people with no student loans.

Don't mention this if you want to marry into money. Look below.

My last boyfriend will graduate medical school with NO debt at all. But we aren't together now....

I am still in the process of getting him back. *sigh*

Meanwhile anyone have any suggestions on WHERE I can meet a guy RICHER than my ex?

If I find a guy richer than my ex then I will get over my ex fast. lol... (but I do love him with all my heart.)

The common denominator of all failed relationship is you. Can't blame anyone else here.

Just tell me how do I find someone richer than my ex.

Listen well.
Difficulty level : easy (super attractive), medium (attractive)
Probability of success : 90%

1. Less work - Use dating website/craigslist. The one that wants you to pay monthly membership is more likely want a serious relationship. If you are not convinced, make a fake add in craigslist and advertise. In an hour, you will get 20-30 emails you can pick from. In a week, you will have 300-500 emails. Some of them will give you dick pics, full frontal nudity, financial status, creative posts, genuine posts... from there on, sort them based on their profession/income. Yes, it's that easy for an attractive female to get hit on even WITHOUT pictures - a description that you are "very attractive" is sufficient to generate 500 emails in a week.
2. More work - Hang out in the very rich area in your city. Go to the bars/clubs, get to know rich people and start networking heavily. I will give you some examples. Move to NYC, and start frequenting bars/clubs where Wallstreet people hang out, their position must be at least a third year associate, vice president or director ($250k-20M/yearly). Move to Sillicon Valley, and frequent bars where Facebookers and Googlers hang out. Do not date anyone who gets hired after 2005 (they don't have enough company stocks) - payout $5-200M.
3. Go into relationship - Do NOT ever mention that you like money. Easiest way to get dump by a rich person is to mention this fact like you did repeatedly in SDN. Even the slightest hint that you are in it for the money will result in him dumping you. Hide it to the best of your ability.
4. Marry the guy without prenups... Most of these guys are typically asshats, have a hygiene of your dog, are extreme workaholics, are boring as hell. If you want an out, stay long enough to get the most money and try to co-mingle assets so in the event of divorce you will be entitled to half of what he has. Consult with the best divorce lawyer in your city.
5. If you are not satisfied after the divorce, you can repeat the process all over again until you are happy with your net worth.

 

[dmbgg]

In that scenario you're taking home about $6000/month and paying $1350 on student loans. The remaining $4650 in still much more than the great majority of people out there take home. It might sound like crap to you, and it does to me, but to the pre-pharmers who aren't taking home half of that it'll sound pretty great. I would have gladly taken that when I was a tech making $12.50/hour.

I come from a family that lives pay check to pay check. I imagined that I would still pay more then $1350 on loans monthly. I would live very cheap, while trying to provide a service to patients, and aggressively pay of all outstanding debts.

I am in no way looking to purchase a $400,000 house, or a new BMW/Lexus. Maybe other people have different ideas and want to spend money outrageously, but for me I want to live comfortably. I don't care to live in such a way that is a waste of money.

I know tons of families that take home way more than $4650 a month. I know pharmacist couples that are married, work for retail chains, and have multiple millions saved already in investments and retirement; but the majority of people I know live paycheck to paycheck and would be GLAD to bring home that combined income each month.

@Momus I appreciated your post, lol.

 

[SHC1984]

1. Less work - Use dating website/craigslist. The one that wants you to pay monthly membership is more likely want a serious relationship. If you are not convinced, make a fake add in craigslist and advertise. In an hour, you will get 20-30 emails you can pick from. In a week, you will have 300-500 emails. Some of them will give you dick pics, full frontal nudity, financial status, creative posts, genuine posts... from there on, sort them based on their profession/income. Yes, it's that easy for an attractive female to get hit on even WITHOUT pictures - a description that you are "very attractive" is sufficient to generate 500 emails in a week.

I can believe you on the emails. I get tons of messages from people I don't even know on Facebook continously.

Do you really recommend dating websites? lol...I got a 1 years subscripton of EHarmony for my birthday. I wasn't sure if I wanted to use that. lol...will it be like my Facebook account except MORE messages that I don't want to read?

 

[SHC1984]

I know few people with no degree that are millionaires as well but I know most people with no degree are dirt poor living pay check to pay check. Anomalies do not make a great example. Most who graduated high school will only earn average $15/hr. That's a fact not anomalies. A degree will almost guarantee you a bump up in salaries provided you get the job. While we all know how bad the job market for pharmacist is nowadays, if you get a full time job you are almost guaranteed to make more than a high school graduate. Education has been proven to be able to move up your economic status. Be it a bachelor degree, doctorate or MD, it does not matter, people who have a degree in aggregate will make more money than no degree people.

Most of the time you can't simply just look at two peoples' salarys and tell one person has MORE MONEY TO KEEP compare to the other.

Obviously with a pharmacist salary of 120K a year... we ALL KNOW that....after taxes and other deductions its more like 60K a year.

And with 60K a year if you are crazy enough to take out 250K in student loans....you will be left with hardly anything after that deduction.

And we haven't even talked about your mortage payment, car insurance, electricity, food etc.

So it is foolish to look at a MD's salary or a pharmacist salary and be like OMG!!!! 120K or 300K a year??? YAY!!!!!!!!!!! I get to KEEP ALL THAT!!! I am RICH!!!

Well, not really. You keep very little of it and if you have student loans....you get to keep pretty much none of it.

Yes, a high school graduate might start out with less money than a pharmacist but you have to take into account

1) they have no student loans
2) while you are in college for 6 or 8+ years they are out making money and moving up/making more money. Their salary might start out crappy but it won't end crappy.
3) while you are stress out and working your ass off studying. they get to RELAX and SLEEP.
4) while you are stress out working as a pharmacist (you can't deny being a pharmacist is stressful) they don't have half your stress or worries.
5) while most of your salary is being deducted for student loans, they get to KEEP everything they make.

So there are other factors to look at besides "who's STARTING salary is higher???"

 

[dmbgg]

Most of the time you can't simply just look at two peoples' salarys and tell one person has MORE MONEY TO KEEP compare to the other.

Obviously with a pharmacist salary of 120K a year... we ALL KNOW that....after taxes and other deductions its more like 60K a year.

And with 60K a year if you are crazy enough to take out 250K in student loans....you will be left with hardly anything after that deduction.

And we haven't even talked about your mortage payment, car insurance, electricity, food etc.

So it is foolish to look at a MD's salary or a pharmacist salary and be like OMG!!!! 120K or 300K a year??? YAY!!!!!!!!!!! I get to KEEP ON THAT!!!

Well, not really. You keep very little of it and if you have student loans....you get to keep pretty much none of it.

Yes, a high school graduate might start out with less money than a pharmacist but you have to take into account

1) they have no student loans
2) while you are in college for 6 or 8+ years they are out making money and moving up/making more money. Their salary might start out crappy but it won't end crappy.
3) while you are stress out and working your ass off studying. they get to RELAX and SLEEP.
4) while you are stress out working as a pharmacist (you can't deny being a pharmacist is stressful) they don't have half your stress or worries.
5) while most of your salary is being deducted for student loans, they get to KEEP everything they make.

So there are other factors to look at besides "who's STARTING salary is higher???"

Can someone please educate this thought process, I am growing tired.

 

[SHC1984]

I am growing tired.

Tired now? You have over 400K+ to pay off including interest....you will be working as a pharmacist (assuming you get a job) so you will be TIRED then....save your energy now. You will NEED IT for later.

 

[joetrisman]

Tired now? You have over 400K+ to pay off including interest....you will be working as a pharmacist (assuming you get a job) so you will be TIRED then....save your energy now. You will NEED IT for later.

Love what you do and you never work a day in your life 😉

 

[dmbgg]

Tired now? You have over 400K+ to pay off including interest....you will be working as a pharmacist (assuming you get a job) so you will be TIRED then....save your energy now. You will NEED IT for later.

Where did 400k+ come from? I would love for you to private message me your facebook information. I have to find out how attractive an apparent troll must be to talk so much game.

Do the math. Bring home 70k a year x 10 years = 700k - 250k to 300k in loans = 400k left over for 10 years. That is roughly 40k/year. As compared to having 12k/year as a tech while in college. Not to mention overtime. Not to mention a dual income household.

If I can survive on 12k a year as a technician IN COLLEGE, surely I can provide for myself with 3 times that income. (The cost of one additional person living in a household is not that high).

Will I drive a BMW? No. Will I live with the millionaires that you will date? No. Do I give two ****s about either? No. I will have accomplished goals I set forth

Trust me, I don't think loans could ever be as tiring as you. You are making me more tired than any patients I have had in the last 5 years!

 

[SHC1984]

I just want to POINT OUT and BOLDED this b/c most people over look this point.

3) while you are stress out and working your ass off studying. they get to RELAX and SLEEP.

You can put a pricetag or number value on this point but to me it's very important to point out and its priceless. I spend my entire life in school. I am almost 30 yo now but my entire life was spend in college. I worked hard in college and did well.

My best friend didn't go to college at all. Her 20s was spend traveling, partying, relaxing, shopping and having a blast. Your 20s is your youth and the best period of your life. The time where you will look your best and have the most fun.

Sorry for those that decided to spend their best years of their lives in the library and racking up 250K+ in DEBT. You won't get those years back. Sorry.

And I can't give you a number value for how much your 20s is worth...but mine is worth more than 120K for sure.

However, my parents are Asian and they think just like Momus and force me to get a doctorate degree....🙄 Asian parents what can you said?

 

[dmbgg]

I just want to POINT OUT and BOLDED this b/c most people over look this point.

3) while you are stress out and working your ass off studying. they get to RELAX and SLEEP.

You can put a pricetag or number value on this point but to me it's very important to point out and its priceless. I spend my entire life in school. I am almost 30 yo now but my entire life was spend in college. I worked hard in college and did well.

My best friend didn't go to college at all. Her 20s was spend traveling, partying, relaxing, shopping and having a blast. Your 20s is your youth and the best period of your life. The time where you will look your best and have the most fun.

Sorry for those that decided to spend their best years of their lives in the library and racking up 250K+ in DEBT. You won't get those years back. Sorry.

And I can't give you a number value for how much your 20s is worth...but mine is worth more than 120K for sure.

However, my parents are Asian and they think just like Momus and force me to get a doctorate degree....🙄 Asian parents what can you said?

Well, I can said that sounds like a pretty big deal. Hopefully I will spent my money in a wise manner one day.

 

[SHC1984]

Check out some loan calculators online. You can find them with Google. You'll likely end up paying over $330000 over the course of 20 years if you want to repay what you are currently taking out. It's probably going to run you around $17k/year over that timeframe. This assumes everything is at 6.8% interest rate, which I don't actually think is possible once you borrow over a certain amount per year,

He will owe over 400K if not 500K.

Love what you do and you never work a day in your life 😉

Well, I worked for my parents...I worked as a pharmacy tech before! 😛 And all those years of me in the library studying!!! I am SAD!!!!!!!!!

Where did 400k+ come from? I would love for you to private message me your facebook information. I have to find out how attractive an apparent troll must be to talk so much game.

READ ABOVE. Someone already calculated your loan payments to be 330K. He was however being very generous and assuming your interest rates are all at 6.8%. That's obviously not true as some are at 8.5% (grad plus) and if you borrow from a bank...you are looking at twice or triple that amount in interest!

So 400K+ is a fair estimate. It might be much more.

 

[SHC1984]

Well, I can said that sounds like a pretty big deal. Hopefully I will spent my money in a wise manner one day.

LOL..you MISS the point.

It's not all about the money. It's about how you spend your time. A person in their 20s enjoying life, traveling, partying and having a blast VERSUS a person in their 20s stuck in the library everyday.

You can't put a pricetag on that...but it's obviously a big deal. Unless you like having no life.

 

[dmbgg]

LOL..you MISS the point.

It's not all about the money. It's about how you spend your time. A person in their 20s enjoying life, traveling, partying and having a blast VERSUS a person in their 20s stuck in the library everyday.

You can't put a pricetag on that...but it's obviously a big deal. Unless you like having no life.

... I have no words.

 

[dmbgg]

He will owe over 400K if not 500K.



Well, I worked for my parents...I worked as a pharmacy tech before! 😛 And all those years of me in the library studying!!! I am SAD!!!!!!!!!



READ ABOVE. Someone already calculated your loan payments to be 330K. He was however being very generous and assuming your interest rates are all at 6.8%. That's obviously not true as some are at 8.5% (grad plus) and if you borrow from a bank...you are looking at twice or triple that amount in interest!

So 400K+ is a fair estimate. It might be much more.

You are 30 and haven't graduated yet? AND your parents were pharmacists?

Why are we even talking?

 

[SHC1984]

You are 30 and haven't graduated yet? AND your parents were pharmacists?

Why are we even talking?

I just turn 28 yo. I have a bachelors degree in chemistry. Then I went to dental school (dropped out b/c I hated it). Wanted to be a drug rep. My parents forced me to go back to school to get a doctorate.

They wanted me to get an MD all my life....but I hate blood...so the BEST compromise I can make is a PharmD. Dentistry is too gross for me too.

My parents own a few restaurants.

Asian parents are crazy and always think education is the BEST of the BEST. I disagree with that now...but oh well. About to graduate soon. If I can't find a job...then I'll just see if I can get that drug rep position back. lol

 

[dmbgg]

I just turn 28 yo. I have a bachelors degree in chemistry. Then I went to dental school (dropped out b/c I hated it). Wanted to be a drug rep. My parents forced me to go back to school to get a doctorate.

They wanted me to get an MD all my life....but I hate blood...so the BEST compromise I can make is a PharmD. Dentistry is too gross for me too.

My parents own a few restaurants.

Asian parents are crazy and always think education is the BEST of the BEST. I disagree with that now...but oh well. About to graduate soon. If I can't find a job...then I'll just see if I can get that drug rep position back. lol

Well, I wish you the best of luck, but I encourage you to do what you enjoy. Not what they make you do.

Either way, I think I will be happy.

 

[Ackj]

I am not struggling, I am doing well. I am commuting 10 hours a week though. 5 hours a week of rotations 10-15 hours of work per week. That's roughly 30ish hours if I calculated correctly of time not spent studying for school.

In fact, I just got home from work, studying for pharmaceutics test.

15 hr/week, at $13hr, for 52 weeks, is about $10k. Obviously you're going to work more than 15 hours during the summer and over holiday breaks, so you're probably making more than the $12k that was quoted earlier.

Did you miss the part where I said I am doing well? Also, my phone was a product of my 40 hour a week job which started well before August

This is a fallacy here. You do not have separate pools of money for different things, even if you set your budget to appear in that manner. You have incomes and expenses. That's it. Your income goes into your account, and all expenses come out of it. If you did not buy that phone (and continue to spend on the data plan), the money would still be in your account. If it was in your account, it could be applied to any other expense, such as gas, textbooks, tuition, groceries, etc. Just because you were working more hours at the time doesn't mean it was a wise purchase. I've made similar mistakes, though. Spent over $1000 on a guitar amp when I was a tech during undergrad.

What's the difference between gold digging vs. prostitution?

Something to ponder..

It's in the clientele, mostly. If you're getting average to low-class fellas, and charging low rates, you're a prostitute. If you're getting many wealthy lads with high fees, you're an escort. If you date the wealthy guy (not just fee for services rendered) you're a gold digger.

Now if you are asking fundamentally, and ethically... there is no difference. You receive money for in exchange for providing pleasure, much like employees at Dave and Busters. Although I suppose the public health risks may be slightly lower at D&B versus the local hooker.

 

[dmbgg]

15 hr/week, at $13hr, for 52 weeks, is about $10k. Obviously you're going to work more than 15 hours during the summer and over holiday breaks, so you're probably making more than the $12k that was quoted earlier.



This is a fallacy here. You do not have separate pools of money for different things, even if you set your budget to appear in that manner. You have incomes and expenses. That's it. Your income goes into your account, and all expenses come out of it. If you did not buy that phone (and continue to spend on the data plan), the money would still be in your account. If it was in your account, it could be applied to any other expense, such as gas, textbooks, tuition, groceries, etc. Just because you were working more hours at the time doesn't mean it was a wise purchase. I've made similar mistakes, though. Spent over $1000 on a guitar amp when I was a tech during undergrad.


It's in the clientele, mostly. If you're getting average to low-class fellas, and charging low rates, you're a prostitute. If you're getting many wealthy lads with high fees, you're an escort. If you date the wealthy guy (not just fee for services rendered) you're a gold digger.

Now if you are asking fundamentally, and ethically... there is no difference. You receive money for in exchange for providing pleasure, much like employees at Dave and Busters. Although I suppose the public health risks may be slightly lower at D&B versus the local hooker.

I know the concept of income/expense. It was a well considered expense. And it's not a very heavy burden.

 

[BMBiology]

Do the math. Bring home 70k a year x 10 years = 700k - 250k to 300k in loans = 400k left over for 10 years. That is roughly 40k/year. As compared to having 12k/year as a tech while in college. Not to mention overtime. Not to mention a dual income household.

If I can survive on 12k a year as a technician IN COLLEGE, surely I can provide for myself with 3 times that income. (The cost of one additional person living in a household is not that high).

Actually you will be paying almost $350,000 in student loans over a 10 year period.

Financially speaking, is being a pharmacist better than being a tech? Sure, it is. But, what if you can't get a 40 hour job? What if pharmacist salary drop? It wasn't too long ago when pharmacists were making $70,000 a year. Some pharmacy schools even had to close because there weren't enough jobs. One thing is for sure though - the student loan will not go away because you can't find a job.

 

[xiphoid2010]

Hey, does any one know who's the mystery 35 yr old Chinese billionaire who threw that monster party in vegas this weekend and had Britney spears sing happy birthday to him? Might be a good place to start for those hoping to marry rich.

 

[cycloketocaine]

How does Z's maternity thread get closed but this train wreck is still open??

😕

 

[dmbgg]

Actually you will be paying almost $350,000 in student loans over a 10 year period.

Financially speaking, is being a pharmacist better than being a tech? Sure, it is. But, what if you can't get a 40 hour job? What if pharmacist salary drop? It wasn't too long ago when pharmacists were making $70,000 a year. Some pharmacy schools even had to close because there weren't enough jobs. One thing is for sure though - the student loan will not go away because you can't find a job.

What if I get hit by a bus tomorrow? How do you live with so many "what if's"... Sounds so uncomfortable. I think I will live with the "I enjoy what I am doing" attitude.

@cyclokeocaine I asked them to close the thread ages ago. I forgot I was posting to the troll center of the internet.

edit: Tons of views though?

 

[BMBiology]

What if I get hit by a bus tomorrow? How do you live with so many "what if's"... Sounds so uncomfortable. I think I will live with the "I enjoy what I am doing" attitude.

@cyclokeocaine I asked them to close the thread ages ago. I forgot I was posting to the troll center of the internet.

edit: Tons of views though?

The "what ifs" are very reasonable.

Even you got accepted with a crappy GPA. You think other techs won't get accepted to pharmacy schools too?

 

[All4MyDaughter]

Closing per OP request and repeated failure to stay civil.