Tennessee:
Pros
-No grant-based aid (probably), but IS tuition is cheapish (35K)
-The difference between the estimated COA (70k) and tuition+fees is about 30k, which is more than enough to live comfortably in Memphis
-Not blisteringly cold
-Can apply into 3 year MD program after matriculating (but only for FM, IM, peds, med-peds, OBGYN and psych, and would match at a UT program)
Cons
-Huge class size (170+)
-Match list is just okay
-Graded curriculum all four years with hardly any clinical exposure in the first two years
Rochester:
Pros:
-Smaller class, seems pretty diverse too
-Great research and a good match list
-P/F preclinical, neat curriculum
-Potential to backdoor into MSTP (Was on the fence about applying to MSTPs originally but didn't because I didn't think I was competitive enough. UT's MD-PhD program is unfunded so it isn't really an option)
Cons:
-90k COA and financial aid is all loans, no grants (was hoping for at least a bit of need-based aid as I'm a FAP applicant)
-Difference between COA and tuition+fees is about 18k which is a pretty tight budget anywhere. I'm married but my partner does not make much
-Blisteringly cold winters
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With equal costs I would pick Rochester, but I estimate that the difference in cost after interest would amount to over 200k by the time I pay my loans off. Rochester is a great school but my family has no assistance to offer and I'm not sure that the moderate bump in prestige/resources justifies the substantial cost difference, especially since I'm interested in academic (read: lower paying) practice and I'm an older matriculant to begin with. On the other hand, I'm potentially interested in competitive specialties and with the increasing competitiveness of the match each year, I wonder if I would be doing myself a disservice by not taking advantage of every edge I can get.
Any thoughts are greatly appreciated! I wonder if I'm overthinking it. The loan burden will be pretty big regardless, but even a modest physician's salary can handle it. I'm also on the waitlist at several T10 schools, so I would be curious if anyone thinks that full COA at a tippy-top program over UT, but not at Rochester over UT. Thank you!
Pros
-No grant-based aid (probably), but IS tuition is cheapish (35K)
-The difference between the estimated COA (70k) and tuition+fees is about 30k, which is more than enough to live comfortably in Memphis
-Not blisteringly cold
-Can apply into 3 year MD program after matriculating (but only for FM, IM, peds, med-peds, OBGYN and psych, and would match at a UT program)
Cons
-Huge class size (170+)
-Match list is just okay
-Graded curriculum all four years with hardly any clinical exposure in the first two years
Rochester:
Pros:
-Smaller class, seems pretty diverse too
-Great research and a good match list
-P/F preclinical, neat curriculum
-Potential to backdoor into MSTP (Was on the fence about applying to MSTPs originally but didn't because I didn't think I was competitive enough. UT's MD-PhD program is unfunded so it isn't really an option)
Cons:
-90k COA and financial aid is all loans, no grants (was hoping for at least a bit of need-based aid as I'm a FAP applicant)
-Difference between COA and tuition+fees is about 18k which is a pretty tight budget anywhere. I'm married but my partner does not make much
-Blisteringly cold winters
-----
With equal costs I would pick Rochester, but I estimate that the difference in cost after interest would amount to over 200k by the time I pay my loans off. Rochester is a great school but my family has no assistance to offer and I'm not sure that the moderate bump in prestige/resources justifies the substantial cost difference, especially since I'm interested in academic (read: lower paying) practice and I'm an older matriculant to begin with. On the other hand, I'm potentially interested in competitive specialties and with the increasing competitiveness of the match each year, I wonder if I would be doing myself a disservice by not taking advantage of every edge I can get.
Any thoughts are greatly appreciated! I wonder if I'm overthinking it. The loan burden will be pretty big regardless, but even a modest physician's salary can handle it. I'm also on the waitlist at several T10 schools, so I would be curious if anyone thinks that full COA at a tippy-top program over UT, but not at Rochester over UT. Thank you!