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or students who are accepted at USUHS and might be on a waitlist for their top choice schools. That's some signficant turnover as well
I did nine years active duty as a corpsman, and am now close to applying to a medical school. Will Medical School at USUHS put me at 13yrs?
Thank you so much... it looks like this website is going to work out perfectly.
Social life at Usuhs? Would you get to party more as a usuhs student or as a hpsp at a civilian school? I wonder about this because obviously you have to study a lot as a medical student. But someone claimed earlier in this thread that usuhs students have a nice social life because of their salaries. But any specific examples?
I don't think USUHS students 'party' any more/less than other medical students. Whoever posted that comment probably meant that USUHS students can financially afford to party, b/c they're well paid. So, as a USUHS student, it wouldn't hurt you in the pocket too much to buy a keg for your friends!
As far as having the time to socialize and party, I don't think it's any different. You wont have much time at all, as a med student (anywhere). Or at least, your social time will be very limited, so you'll have to make the best use of it.
Let me continue here on my soapbox a little bit: If you're young, vibrant--say you're 22, graduating from college--and you wanna explore the world, have aspirations to travel, experiment with members of the opposite (or same) sex, whatever . . . a key piece of advice I can offer: take some time off in between college & med school. Take a year, 2 years ,or even 4, off. Get your partying, traveling done, get it out of your system before you venture into medicine. You'll feel a lot better, more well-rounded, and you'll become thirsty for school again. Hell maybe you'll pick up a wife/kid along the way!
Yeah, this'll delay your professional plans a bit, but so what. You'll be a doctor at the age of 30 vice 26. It's no big deal. Besides, medicine is one of those professions where it helps to have a little age on your side and a little grey in the hair. Nobody wants Doogie Howser MD as their physician!





Your scores are remarkably similar to mine did you get an early interview or do you think that mattered? What about your application helped you the most? Any Info you could give me would be helpfull?
I think the biggest thing/advice I can give is to apply as early as possible in the application cycle. This will help you get an early interview which seems to help out a lot in getting accepted to the school.
I was hoping people could give me an idea of what the admission rate for someone with a Science GPA of 3.6, overall 3.26 and an MCAT of 28-30 would be for USUHS with an early to mid interview. What has been the average for the people in this thread who have been unconditional accepted, waitlisted, ect for this year? Im not completely sure what my MCAT score is yet but my AMCAS practices have been in the range above. I know my overall GPA is low, but I have been an active duty Air Force nurse for 3.5 years taking prerequisits while working full time. Im hoping this will boost my application. Can anyone give me hope I'm tired of being a MURSE!![]()
I was hoping people could give me an idea of what the admission rate for someone with a Science GPA of 3.6, overall 3.26 and an MCAT of 28-30 would be for USUHS with an early to mid interview. What has been the average for the people in this thread who have been unconditional accepted, waitlisted, ect for this year? Im not completely sure what my MCAT score is yet but my AMCAS practices have been in the range above. I know my overall GPA is low, but I have been an active duty Air Force nurse for 3.5 years taking prerequisits while working full time. Im hoping this will boost my application. Can anyone give me hope I'm tired of being a MURSE!![]()
I dunno about the partying...at any rate some classmates of mine have been able to afford some pretty elaborate vacations while at USUHS...several people gone to europe, hawaii, long weekend ski trips to colorado. Like metal said you have some extra cash to use when you have time to do so. But don't think we study any less than anyone else.
Soooo... I know there are lots of posts on HOW MUCH we make, but what about HOW we should use it (arguably more important)...
WHO on this board can act as the wise elder to tell me what I should be doing with my paycheck since I never in a million years thought I would have any disposable income until I was 35???
Seriously, I don't feel like putting it into the stock market (i.e. kiss it goodbye), I'm not married, not pay child support, etc. I don't want to buy a house/condo in the bethesda/dc area for the same reason as the stock market...
Uh... yeah...
I'm sure there are a few other people out there besides me who have some car already spec'd out in their internet explorer favorites... I just get the feeling that it isn't the best use of my salary.
I met some guy a few years ago at a financial conference who was from West Point who acted as the "investment adviser" for his class, since there were a lot of people who literally had no idea what to do with their earnings and weren't saving for later in life (of course, my question is: is that something I should REALLY care about at 24?!? Does a Range Rover have a better rate of return???)
Edit: the other thing to consider is that there is very little "uncertainty" in our income/paychecks (I for one don't plan on failing out of med school...) so that might change the whole save/spend ratio that we are often taught since "you could always lose your job", etc.
Soooo... I
my uber libertarian co-worker just bought $16,000 of Gold from New Zealand (because the USA is about to collapse)
Next comes saving for retirement. For military, the Thrift Savings Plan (TSP) is bar none (don't take anyone's word for it. evaluate it yourself). Put as much as you can into retirement without compromising your other financial goals. The monthly allotment is a good way to put this into auto-pilot.
Can you "max out" your TSP??? (its not like a 401k where there is a max in employer matching funds). If so, historically, has that been the best way to go (of course historical /= future, but still...)
My one concern is what if the inflation rate is > than the return rate on the TSP??? On the website, it references "assuming a 7% return per year", what is that tied to???
I'm not terribly confident in the overall health of large segments of our economy including the capital instruments that numerous retirement plans are tied to, etc. Yes, the federal backed security is still one of the safest investments out there, but that is just because the Fed can inflate the currency in order to repay their debts...
Of course, the counter point would be to put that money into diversified holdings, etc, which even if you put $$$ into companies all around the world, they all share the same systemic risk that would cause the US Fed balance sheet to weaken.
Oh, and if we have to use gold coins to barter at some point in the future, I'll be counting my lucky stars that I'm on a military base 🙂
Does anyone know if the navy waitlist is moving??
I'm going crazy waiting!! I must check my phone 20 times a day to make sure I didn't miss Dr. Calloways call. lol
So should I wait for the 15th to do my 2010 app or should I just submit today? I don't want to spend any more money. These med apps are not cheap!
Calm down now, I'm in the same boat, so are other folks here. Best to try to occupy your mind with other things for the next few days. Yeah I think the 5/15 date is the next major milestone. If you want to apply for the next cycle, I think you can start the app now but can't turn it in until the first week of June. Still a little too early for that, give it another couple weeks.



I can confirm that the waitlist really isn't moving till the 15th. (if it is going to move) Because I was supposed to commission tomorrow my NROTC unit has been trying everything to see if we can know if there was going to be movement before then and no luck. (and calling multiple times over the last week, the admissions office said they started calling uncertain people trying to get decisions but everyone was either still undecided) Unfortunately it seems that people are holding on to spots pretty late this year. (if they are going to drop at all)Does anyone know if the navy waitlist is moving??
I can confirm that the waitlist really isn't moving till the 15th. (if it is going to move) Because I was supposed to commission tomorrow my NROTC unit has been trying everything to see if we can know if there was going to be movement before then and no luck. (and calling multiple times over the last week, the admissions office said they started calling uncertain people trying to get decisions but everyone was either still undecided) Unfortunately it seems that people are holding on to spots pretty late this year. (if they are going to drop at all)
Also, I don't know if you are locked into the Navy already like some of us but if you aren't you may want to consider a different service as our waitlist is like twice as long as the other two and it filled up quicker.
! But, seriously, stop! 
Maximum contributions have changed signficantly recently for TSP, I'm pretty sure you can contribute up to 100% of your base pay and all specialty pays now with a yearly cap somewhere near 20K.
the 7% figure is what TSP uses to estimate future earnings a little more conservative than the 10% a lot of other agencies use.
If you are worried about not beating inflation there are several options. TSP's G fund is securities only fund that averages a 5% return annually. In 2008 it had a 3.8% return while the stock funds lost over 30% each. I was fortunate enough to not notice my account had been accidentally switched to the G fund at the end of 2007 when the conversion was made to all electronic access. So I was pleasently surprised when I got my annual report and saw a 4% gain instead of a 30% loss, sometimes its better to be lucky than good.
TSP also offers what they call Lifecycle or L funds, they are intended to diversify your portofolio appropriately depending on when you will withdraw the funds. They institute greater risk early shooting for stronger gains but allowing plenty of time to recover if that doesn't happen and then gradually convert to mostly bonds and securities as you get closer to your withdrawal date.
Everyone has their own opinions but personally after maxing out your ROTH, I don't think theres a better investment option than TSP. They have other benefits too for active duty military such as allowing you to take out a loan of up to 50K against what you've contributed with only a 2-3% interest rate. You pay it back over 5 years (or 15 if you're using the loan for a downpayment on your primary residence), but this is a pretty good deal considering the current climate where you can't get a personal loan for anything regardless of your credit.
Oh, and I still don't entirely understand the point of having an emergency fund... normally aren't emergency funds used to hedge against uncertainty in your employment/paycheck? In the US Mil., you sacrifice some of the financial ups (i.e. stock options) for others (consistent paycheck, pay rate).
Please enlighten me.
While you can get away with a lower emergency fund in the military it is still smart to have one. You won't need it to live off of for getting fired or anything but you still could have situations that require an expedient transfer of funds. (and while you can get advances on your pay you don't want to have to do that)
While you can get away with a lower emergency fund in the military it is still smart to have one. You won't need it to live off of for getting fired or anything but you still could have situations that require an expedient transfer of funds. (and while you can get advances on your pay you don't want to have to do that)
i.e. 10% housing, 20% taxes, 5% food, 20% savings, 10% transportation, etc. I'm trying to budget right now and figure out how much I should limit myself to on monthly apartment/housing and car lease/payments (since the word is you need a car in Bethesda).
Last year we got to shoot the M16 and the M9 handgun on the firing range with pop-up targets. We also shot a ton of blank ammo and got to shoot each other with UTM rounds (wax bullets). Lots of fun. Your M16 will be your best friend and you'll have to carry it everywhere you go in the field (sounds cool, but is actually annoying).
Since there isn't a whole lot of time between our respective officer courses and the report date in Bethesda, should we schedule our PCS move before we leave to San Antonio/Montgomery/Newport. Do we need to schedule a move date in August before we leave in June? Or will there be time to get our stuff moved out between July 27 and August 2 if we wait?
I'm IN!!! AF!
For those of you at USUHS now, do you have many opportunities and do you use leave that much during your four years there? I'm AD and have close to 50 days on the books, should I burn up some or all this summer as we'll be in school the next few years? Thanks.
For those of you at USUHS now, do you have many opportunities and do you use leave that much during your four years there? I'm AD and have close to 50 days on the books, should I burn up some or all this summer as we'll be in school the next few years? Thanks.