Who's going to NYU??

[Rocky21]

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Yah if you consider reasonable being the most expensive tuition out of 65 schools in all of North America....and you're right, many schools are about only 10K cheaper, but over 4 years, that is already 40K, on top of the expensive living in NYC....oh yah and the fact that at NYU you have to RENT your instruments, and not buy them like at all the other schools...that adds a hefty amount to the total...its just keeps on going up....and trust me dude, if you think you are going to graduate with a loan from NYU under 200K, then you must be smoking some great crack....seriously, were you drunk when you made your calculations? Just do the math...tuition alone is gonna run you about 180K.....and those damn instruments you have to RENT EVERY YEAR....then books...oh yah, humans need to eat at times as well....unless, Im missing something, I would LOVE to hear how you will graduate with loans under 200K....please enlighten me!

At my interview, the financial aid lady was so cool....so blunt...she said that NYU allots 280K for the 4 years, but she said that is not gonna happen and will be 300K+.....if your financial aid office is saying that, why dispute?

Dont get me wrong, I think NYU is a fine institution and I have always been an advocate for it on these forums, but when you guys try and say that its not expensive, I find that you are spreading false hopes for all you fellow NYUers who will get a nice suprise when they graduate in 4 years...

Hey Dr.BadVibes, have you checked out USC's Tuition, which is $49000/yr? or How about Southern Illiniois out of state residents, which is about $50000/yr? Just thought I'd let ya know

 

[speter33]

Yah if you consider reasonable being the most expensive tuition out of 65 schools in all of North America....and you're right, many schools are about only 10K cheaper, but over 4 years, that is already 40K, on top of the expensive living in NYC....oh yah and the fact that at NYU you have to RENT your instruments, and not buy them like at all the other schools...that adds a hefty amount to the total...its just keeps on going up....and trust me dude, if you think you are going to graduate with a loan from NYU under 200K, then you must be smoking some great crack....seriously, were you drunk when you made your calculations? Just do the math...tuition alone is gonna run you about 180K.....and those damn instruments you have to RENT EVERY YEAR....then books...oh yah, humans need to eat at times as well....unless, Im missing something, I would LOVE to hear how you will graduate with loans under 200K....please enlighten me!

At my interview, the financial aid lady was so cool....so blunt...she said that NYU allots 280K for the 4 years, but she said that is not gonna happen and will be 300K+.....if your financial aid office is saying that, why dispute?

Dont get me wrong, I think NYU is a fine institution and I have always been an advocate for it on these forums, but when you guys try and say that its not expensive, I find that you are spreading false hopes for all you fellow NYUers who will get a nice suprise when they graduate in 4 years...

I'm not going to get into an arguement with you but since you asked I will justify the 200k figure I expect to pay NYUCD.

. Year 1 Year 2 Year 3 Year 4
Tuition, residents $45,320 $45,320 $45,320 $45,320
Fees
Books & Instrument Rental $4,898 $4,898 $4,898 $4,898

So that comes out to roughly 200k plus transportation and food for me. Since I will live at home I won't have to buy the food. Transportation on the bus will run probably around 2k/year. Of course I will have to eat in school too. I don't think I'll surpass the 215k mark if everything goes to plan. As far as I know schools in philly like Temple estimate your expense at 203k and you have to spend 5,866 in your first year on instruments and 3,682 in your second

You've been bashing NYU for a while, brocnizer2007 already answered you pretty well in the thread below. I don't understand what personal satisfaction you get from bashing NYUCD, but to each his own

http://forums.studentdoctor.net/showthread.php?t=129547&page=2

 

[Dr.BadVibes]

Hey Dr.BadVibes, have you checked out USC's Tuition, which is $49000/yr? or How about Southern Illiniois out of state residents, which is about $50000/yr? Just thought I'd let ya know

My bad...I meant for overall budget......As far as I know (and I dont have the ADEA book in front of me anymore), NYU's overall budget is the highest...

 

[speter33]

Actually I never bashed anyone....all I stated was that NYU will have many Canadians because Americans have the opportunity to goto cheaper schools...so how is this bashing?

And how will you graduate with 210K in student loans? on average? where are you getting your stats? Please tell me how you arrive at this number? What kinda cheap housing are you doing? A cardboard box on Broadway or like that dude that was living at the NYU library? What kinda of math are you guys at NYU doing, or are NYU drugs that strong? 😱

And as I recall, you brought Temple into the argument...

I think by cheaper housing he meant living just outside Manhattan. You can pay $700/ month rent for a great studio in brooklyn or queens and commute 40 minutes to school

On a side note. Why are you so angry dude? You seem to have a grudge or something. You should try to resolve these personal issues. If you don't like NYUCD than don't go there and leave it at that.

 

[Dr.BadVibes]

I'm not going to get into an arguement with you but since you asked I will justify the 200k figure I expect to pay NYUCD.

. Year 1 Year 2 Year 3 Year 4
Tuition, residents $45,320 $45,320 $45,320 $45,320
Fees
Books & Instrument Rental $4,898 $4,898 $4,898 $4,898

So that comes out to roughly 200k plus transportation and food for me. Since I will live at home I won't have to buy the food. Transportation on the bus will run probably around 2k/year. Of course I will have to eat in school too. I don't think I'll surpass the 215k mark if everything goes to plan. As far as I know schools in philly like Temple estimate your expense at 203k and you have to spend 5,866 in your first year on instruments and 3,682 in your second

You've been bashing NYU for a while, brocnizer2007 already answered you pretty well in the thread below. I don't understand what personal satisfaction you get from bashing NYUCD, but to each his own

http://forums.studentdoctor.net/showthread.php?t=129547&page=2

Thats cool, but dont you admit that you are still paying a helluva lot at 215K when living at home and not having to buy food? Unfortunately you are the exception and no one else has that luxury...for the average student, face it, its gonna be 300K+....Im not putting NYU down, Im just saying to not pass on false hopes to your fellow classmates that do not have the same luxury you have....

OH yah, and you still havent addressed the situation that you rent instruments and not buy.....so when you graduate, you need to buy your own instruments and perhaps that should be factored into your budget of 215K.....

and by the way, why did you link that thread? If you actually read it, Im defending NYU.... 😕

 

[Dr.BadVibes]

I think by cheaper housing he meant living just outside Manhattan. You can pay $700/ month rent for a great studio in brooklyn or queens and commute 40 minutes to school

On a side note. Why are you so angry dude? You seem to have a grudge or something. You should try to resolve these personal issues. If you don't like NYUCD than don't go there and leave it at that.

no, not angry at all....Just dont appreciate when people are spreading false, unrealistic numbers around.....why dont you just tell the hardcore truth and dont beat around the bush.....it would be appreciated for all the predents out there who are clueless.....

 

[speter33]

Thats cool, but dont you admit that you are paying a helluva lot at 215K when living at home and not having to buy food? Unfortunately you are the exception and no one else has that luxury...for the average student, face it, its gonna be 300K+....Im not putting NYU down, Im just saying to not pass on false hopes to your fellow classmates that do not have the same luxury you have....

OH yah, and you still havent addressed the situation that you rent instruments and not buy.....so when you graduate, you need to buy your own instruments and perhaps that should be factored into your budget of 215K.....

and by the way, why did you link that thread? If you actually read it, Im defending NYU.... 😕

I just think you need to take a different approach when discussing schools. First you pissed of a bunch of Columbia students and now you've done the same with NYUCD. Every school has its pluses and minuses. You don't need to dwell on them, especially since they don't concern you.

Lastly a 300k debt isn't the worst thing in the world for a graduating dentist. Yes, you'll be paying about a thousand dollars a month for the next 25-30 years but you'll be making a six figure sallary. I know at least a dozen dentists from NYUCD, some of them have been my dentists, and none were depressed about their loans. I'm just concerned that you are intimidating future NYUCD students. I used to believe what I read about NYUCD too a year or two ago when browsing this message board. I just think most reading this site should know that although much of the information is true in some respects a lot of it is very exaggerated and most problems with schools are manageable.

Peace

 

[Dr.BadVibes]

I just think you need to take a different approach when discussing schools. First you pissed of a bunch of Columbia students and now you've done the same with NYUCD. Every school has its pluses and minuses. You don't need to dwell on them, especially since they don't concern you.

Lastly a 300k debt isn't the worst thing in the world for a graduating dentist. Yes, you'll be paying about a thousand dollars a month for the next 25-30 years but you'll be making a six figure sallary. I know at least a dozen dentists from NYUCD, some of them have been my dentists, and none were depressed about their loans. I'm just concerned that you are intimidating future NYUCD students. I used to believe what I read about NYUCD too a year or two ago when browsing this message board. I just think most reading this site should know that although much of the information is true in some respects a lot of it is very exaggerated and most problems with schools are manageable.

Peace

Why do I need to take a different approach? Im just correcting false information that people spread.....first it was Columbians stating that Columbia is the school to specialize, and now its NYUers telling other predents that its possible to graduate from NYU with 215K in debt. Where does it end? That is like telling them that they have a chance at boning Paris Hilton....face it, its not gonna happen.

And if you read that thread that you linked...you'd see that in that thread people were spreading stupid rumours that NYU is bad because its stats are low, and I defended that.....so as you can see, I dont have any bias against NYU....I just like to set the record straight....

ANd by saying that people exaggerate the financial cost of NYU and that a 300K debt for a graduating dentist is not bad, just goto www.dentaltown.com and state the exact same thing over there and perhaps you'll get some shocking responses from actual dentists, not ignorant predents like myself who tend to exaggerate information. 🙄

 

[aah_289]

Even if your dental education does cost you $300k, why are you so stressed out about it? It seems to me that you are not as confident as some of your counterparts, some of whom have the willpower, desire, and belief that they will be very successfull and make every penny spent turn out to be well worth it. I guess I'm lucky because I've got other sources funding my tuition but $200k or $300k is not much of a difference unless you plan to sit on your starting salary of $90k for your whole life and not build up the practice. That is all.

 

[Dr.BadVibes]

Even if your dental education does cost you $300k, why are you so stressed out about it? It seems to me that you are not as confident as some of your counterparts, some of whom have the willpower, desire, and belief that they will be very successfull and make every penny spent turn out to be well worth it. I guess I'm lucky because I've got other sources funding my tuition but $200k or $300k is not much of a difference unless you plan to sit on your starting salary of $90k for your whole life and not build up the practice. That is all.

Goto www.dentaltown.com and repeat this exact statment....has nothing to do with confidence, has to do with a little something called reality...You can have the desire and belief to do whatever the hell you want, I can believe that Ill goto the moon one day....but when the real world hits ya, then your in for a little shock. Once again, I highly recommend you goto Dental Town and ask practicing dentists if you dont believe me....

 

[Dr.BadVibes]

I just want to clarify one thing before I get flamed yet again....Im not saying that if you goto NYU, you are doomed for life. All Im saying is that if you have a chance between NYU and a cheaper school, and you choose NYU because you think the 300K is easily manageable, then I think that you really are in for a shock when you graduate and you should really make a visit to DentalTown and read what actual practicing dentists are posting so you can get a better idea of what the reality of opening a practice is like, before assuming that just because you are gonna be a dentist, you will be loaded and will be able to pay off any debt with no problems....just some honest advice, take it or leave it...up to you

 

[aah_289]

Goto www.dentaltown.com and repeat this exact statment....has nothing to do with confidence, has to do with a little something called reality...You can have the desire and belief to do whatever the hell you want, I can believe that Ill goto the moon one day....but when the real world hits ya, then your in for a little shock. Once again, I highly recommend you goto Dental Town and ask practicing dentists if you dont believe me....

Thanks, but no thanks. I think I'll just stick to seeking answers from the many dentists I know personally. You know, like people I know in real life and not those faceless ones sitting behind a keyboard on the internet who could be or not be what they claim. Most of the dentists I know have better things to do than spend time posting on the internet.

One thing you learn quickly is people love to exaggerate on the internet. You really can't trust anyone. For example, take a look at your post count. A newbie like me can look at that post count and think you must be a valuable member and contributor to these forums. But since I've been lurking here the last few months, I know better. Many of your posts are worthless, just like the ones in this thread. So save it because nobody believes you, even when you say believe me. That's it, I'm done discussing this sorry subject. Peace.

 

[zracerz]

Thanks, but no thanks. I think I'll just stick to seeking answers from the many dentists I know personally. You know, like people I know in real life and not those faceless ones sitting behind a keyboard on the internet who could be or not be what they claim. Most of the dentists I know have better things to do than spend time posting on the internet.

One thing you learn quickly is people love to exaggerate on the internet. You really can't trust anyone. For example, take a look at your post count. A newbie like me can look at that post count and think you must be a valuable member and contributor to these forums. But since I've been lurking here the last few months, I know better. Many of your posts are worthless, just like the ones in this thread. So save it because nobody believes you, even when you say believe me. That's it, I'm done discussing this sorry subject. Peace.

Wow.... well said.

 

[Dr.BadVibes]

Thanks, but no thanks. I think I'll just stick to seeking answers from the many dentists I know personally. You know, like people I know in real life and not those faceless ones sitting behind a keyboard on the internet who could be or not be what they claim. Most of the dentists I know have better things to do than spend time posting on the internet.

One thing you learn quickly is people love to exaggerate on the internet. You really can't trust anyone. For example, take a look at your post count. A newbie like me can look at that post count and think you must be a valuable member and contributor to these forums. But since I've been lurking here the last few months, I know better. Many of your posts are worthless, just like the ones in this thread. So save it because nobody believes you, even when you say believe me. That's it, I'm done discussing this sorry subject. Peace.

Thats cool...Im sure in the near future you'll realize that DentalTown is a valuable resource as both a predent and when you become a dentist, but hey, if you wanna be ignorant now, its your decision. If the dentists you meet say that 300K debt is easily manageable, then dude, you got either (a) dentists that are fortunate and loaded or (b) dentists that are too nice to tell you the truth...I guess that is where the internet is valuable, because those "dentists with nothing better to do" on DentalTown will give you hardcore advice, because its not in your face, and they dont know you. Good Luck.

 

[Cheeks1038]

Is it really as bad as you make it. Sure you may find it a little tough at first, but do you really plan on making the bare minimum your entire life? There is a 30 yr payment plan here people. By that time your practice, or practices for those highly motivated entrepreneurs, will be grossing anywhere from 500,000-1,000,000 easily. A measily 1000/month payment really wont hurt you that much. This is assuming you havent opted to pay tons more off of your loans by that time since your income will be rather substantial. In the end, yeah ull find it tough at first, almost all newcomers to any profession do, but ull brave it out...you didnt work your tails off in school forever to come out with a struggle for a life. You can sit and argue forever that a 100,000 difference in loans is the biggest deal in the world but it really isnt. If you are smart and know what you are doing (which most who have made it this far are capable of) then you can have that extra 100,000 paid off in 3-5 years. You cant go out and discourage people from practicing dentistry because of the cost of tuition. You also cant show dental schools to be like products on super market shelves where you can be a smart shopper and buy store-brand products rather than brand names to save some money. This is dental school here and the cost is high no matter where you go...after all you are paying for both the academic portion and the clinical portion since the clinics usually reside inside the dental schools themselves. If you base your decision solely on how much a school costs versus another than you are doing yourself a tremendous disservice. Whatever happened to people wanting to be dentists because they loved the profession. The cost of tuition should be that last thing you worry about. The first should be getting in and once that has been accomplished you should be concerned with staying in and realizing that the money sure as hell isnt going to come if you dont know what you are doing. The ones who's minds aren't focused are the ones who should and will be debating whether their loans are less of a load than anothers because they will be the ones who might find themselves struggling and struggling hard. The others will have learned a thing or two about dentistry as a profession and will reap the many many rewards this profession offers...including the ability to pay off your loans without a glimmer of remorse.

 

[Dr.BadVibes]

You can sit and argue forever that a 100,000 difference in loans is the biggest deal in the world but it really isnt. If you are smart and know what you are doing (which most who have made it this far are capable of) then you can have that extra 100,000 paid off in 3-5 years.

Pretty bold statement....Ill repeat myself...You and I both have Class of 2008 on our sigs, implying we are new to the game....goto DentalTown where they have DDS/DMD after their name and say the same thing, and they'll all give you the same response...goto the cheapest school, cause you will regret it otherwise, because you learn mostly everything AFTER graduation.....just read the posts there and you'll have a better idea and perhaps will refine this statement.

Also, ask any independent family person, what exactly they pay per month in bills, mortgage, etc. Adding the extra large monthly student debt payment of $1000/month is definitely not welcomed.....

Also remember that after you graduate you will have to take out additional loans to buy your instruments (cause at NYU, you rent, not buy), startup or buy into a practice, buy a house, take care of a family...ouch, where does it end! 😱

Once again, Im not discouraging people from attending NYU if that is your only choice...its a fine institution...but if you had another choice that was 100K cheaper and didnt pick it cause you thought you could pay 100K in 3-5 years with no problems, perhaps some more research would have helped (especially if you're Canadian)...

Badvibes out....

 

[Cheeks1038]

Once again, Im not discouraging people from attending NYU if that is your only choice...its a fine institution...but if you had another choice that was 100K cheaper and didnt pick it cause you thought you could pay 100K in 3-5 years with no problems, perhaps some more research would have helped

I didnt mean your first 3-5 years after graduation...what i meant was that you can in fact have that extra 100,000 paid off in 3-5 years later on down the road after your income has become rather substantial and you can afford to make higher payments each month. And yes I have done quite a lot of research on this topic. In fact, there are a number of threads on this forum that discuss this very same thing. Being a smart businessperson and investing wisely will only add to your ability to pay off the loans without much worry. The problem is that many people get tunnel vision when they think about this kind of thing. They see only huge debt and wonder how an average salary can cover all of their many expenses. (big mistake relying on averages) What they dont take the time to RESEARCH is that there are a number of investment options available in this country. Make some smart moves and understand the ancient philosophy of nothing ventured nothing gained. In the end, you will have quite a lot of "free-time" and if smart about, you can use that time to delve into other investments and substantially increase your already high income. Not all investments are going to bring you tons of cash but just as with almost everything in life you have to take some risks and soon you will reap the rewards. Brocnizer has posted several replys on other threads discussing this very topic. He mentions the possibility of obtaining an MBA for those of us who were non-business majors. Even for those who dont want to take this route, it is important to take the time to read and research BUSINESS, not just the business of dentistry. With a few well timed and well thought out decisions, you can find yourself living a very nice lifestyle. Please dont listen to everything you hear on other sites and whatnot. Sure they may be practicing dentists and of course everyone is always going to tell you to go to the school that is going to give you the least debt...thats only natural. You dont know these people and you dont know anything about them, in particular their business savvy, motivation, desire, and specific situations. The only thing you can do is not worry about the debt and work hard to give yourself a wonderful life. Take the time to concentrate on your future now rather than live your future dwelling on the past.

 

[speter33]

#1 Don't forget that you get a tax write off for your schools loans. That's why many dentists chose to have the loans for as long as possible i.e. 30 years

#2 Don't worry too much about what dental town says. Sure they aren't too happy paying off student 10 years after they graduated, everyone always finds something to whine about. They see the thousands of dollars they spend each month and figure that they could find better things to do with that money. Maybe another boat, or a new fishing rod, or a new BMW. But the fact that they already have a boat, a fishing rod, and last years BMW says it all.

P.S. please do yourself a favor and find better things to do while in costa rica. I just came from a month long travel through Europe and didn't posts on SDN one, nor did I miss it. Stop waisting your time here, you've said all you are going to say and there's nothing new you have to offer. Enjoy!

 

[Dr.BadVibes]

I didnt mean your first 3-5 years after graduation...what i meant was that you can in fact have that extra 100,000 paid off in 3-5 years later on down the road after your income has become rather substantial and you can afford to make higher payments each month. And yes I have done quite a lot of research on this topic. In fact, there are a number of threads on this forum that discuss this very same thing. Being a smart businessperson and investing wisely will only add to your ability to pay off the loans without much worry. The problem is that many people get tunnel vision when they think about this kind of thing. They see only huge debt and wonder how an average salary can cover all of their many expenses. (big mistake relying on averages) What they dont take the time to RESEARCH is that there are a number of investment options available in this country. Make some smart moves and understand the ancient philosophy of nothing ventured nothing gained. In the end, you will have quite a lot of "free-time" and if smart about, you can use that time to delve into other investments and substantially increase your already high income. Not all investments are going to bring you tons of cash but just as with almost everything in life you have to take some risks and soon you will reap the rewards. Brocnizer has posted several replys on other threads discussing this very topic. He mentions the possibility of obtaining an MBA for those of us who were non-business majors. Even for those who dont want to take this route, it is important to take the time to read and research BUSINESS, not just the business of dentistry. With a few well timed and well thought out decisions, you can find yourself living a very nice lifestyle. Please dont listen to everything you hear on other sites and whatnot. Sure they may be practicing dentists and of course everyone is always going to tell you to go to the school that is going to give you the least debt...thats only natural. You dont know these people and you dont know anything about them, in particular their business savvy, motivation, desire, and specific situations. The only thing you can do is not worry about the debt and work hard to give yourself a wonderful life. Take the time to concentrate on your future now rather than live your future dwelling on the past.

100% agree with you....but, personally I think relying on investment opportunities and assuming you have the business savy is a bit too risky for me...I believe I am business minded and intelligent enough to be successful, but in the real world, there is always the realm of doubt, and having the lowest debt possible reduces that risk.....

On the other hand, if you were successful at investments/business, it would piss me off that all my hard work and investments were paying off, but it was going towards damn student loan payments, when another cheaper school would have given me the same education at half the cost.....

But, as speter said, Dont listen to those practicing, helpful dentists on DentalTown...listen to speter!

By the way speter, Ive said it a thousand times, I WORK in Costa Rica....

 

[Cheeks1038]

100% agree with you....but, personally I think relying on investment opportunities and assuming you have the business savy is a bit too risky for me...I believe I am business minded and intelligent enough to be successful, but in the real world, there is always the realm of doubt, and having the lowest debt possible reduces that risk.....

On the other hand, if you were successful at investments/business, it would piss me off that all my hard work and investments were paying off, but it was going towards damn student loan payments, when another cheaper school would have given me the same education at half the cost.....

But, as speter said, Dont listen to those practicing, helpful dentists on DentalTown...listen to speter!

By the way speter, Ive said it a thousand times, I WORK in Costa Rica....

You have brought up some important issues. While I think it is important to listen to the advice of other people, especially those who are already doing what you hope to be doing in the future, I dont think that you should take all of the advice as an instruction sheet for life. In the end it is your motivation and you desire to succeed that will drive you, not the endless ranting of people who you really dont anything about other than they do what you want to do. If you worked hard and were successful at businesses/investments then believe me not all of it would be going towards your loan payments. You could take one of several different routes towards repayment from here. In many ways, success in other ventures can only help you pay off your debt sooner and thus help you remain comfortable in life with less worries. You can choose to take the profits from one or two of the other investments and invest those wisely yet again, or you can take those same profits and direct them at your student loans, effectively eliminating large chunks of your debt rather quickly. I really dont see how you could be angry with reasoning like this. In theory it is quick to assume that you would be angry because at first the majority of your income from those other ventures will be going towards paying debt. Dont forget that these investments are yours for the long haul and a few years of repayment can lead to many years of success and happiness. Personally, I would find no reason to be upset about being successful at other ventures and having this money go towards eliminating debt because if you are successful early, chances are your ventures will remain successful for years to come. Then your profits will go to you and you alone.

 

[Dr.BadVibes]

You have brought up some important issues. While I think it is important to listen to the advice of other people, especially those who are already doing what you hope to be doing in the future, I dont think that you should take all of the advice as an instruction sheet for life. In the end it is your motivation and you desire to succeed that will drive you, not the endless ranting of people who you really dont anything about other than they do what you want to do. If you worked hard and were successful at businesses/investments then believe me not all of it would be going towards your loan payments. You could take one of several different routes towards repayment from here. In many ways, success in other ventures can only help you pay off your debt sooner and thus help you remain comfortable in life with less worries. You can choose to take the profits from one or two of the other investments and invest those wisely yet again, or you can take those same profits and direct them at your student loans, effectively eliminating large chunks of your debt rather quickly. I really dont see how you could be angry with reasoning like this. In theory it is quick to assume that you would be angry because at first the majority of your income from those other ventures will be going towards paying debt. Dont forget that these investments are yours for the long haul and a few years of repayment can lead to many years of success and happiness. Personally, I would find no reason to be upset about being successful at other ventures and having this money go towards eliminating debt because if you are successful early, chances are your ventures will remain successful for years to come. Then your profits will go to you and you alone.

Also, remember that interest rates on student loans are gonna be increasing a lot while you and I are in school....ANyways, we'll have to agree to disagree on this issue....you may not believe me or not, but I wish you all the best at NYU....despite its costs, I think its an amazing school....lates

 

[KrebsPsycho]

Just curious...Anyone here got accepted to both state school and NYU but chose NYU? and why? Man, $300,000 in debt is a heck of the money. I would love to save as much money as I can and go to a cheaper school. But hey, if becoming a dentist is our dream, the $100K difference won't matter much. NYU is a good school and it has lots to offer....
Cheers

 

[zracerz]

100% agree with you....but, personally I think relying on investment opportunities and assuming you have the business savy is a bit too risky for me...I believe I am business minded and intelligent enough to be successful, but in the real world, there is always the realm of doubt, and having the lowest debt possible reduces that risk.....

You're right, it is too risky for you. Based on a majority of your posts on SDN (including recent threads like this one and the Columbia one), you have a severe problem with coming across as arrogant. Even more potentially hazardous to your future career as a dentist is the fact that you have difficulty communicating with people. Considering that there are ATLEAST 50 people who are currently pissed off at you or don't like you, I'd be very concerned about my future career in dentistry if I were you. You say you have the "business mind" and the "intelligence" down already. Maybe it's time you worked on your communication. Just like you were claiming to give us the hard facts, consider this a real tip for success coming from someone who cares. 😉

 

[aileen]

 

[speter33]

You're right, it is too risky for you. Based on a majority of your posts on SDN (including recent threads like this one and the Columbia one), you have a severe problem with coming across as arrogant. Even more potentially hazardous to your future career as a dentist is the fact that you have difficulty communicating with people. Considering that there are ATLEAST 50 people who are currently pissed off at you or don't like you, I'd be very concerned about my future career in dentistry if I were you. You say you have the "business mind" and the "intelligence" down already. Maybe it's time you worked on your communication. Just like you were claiming to give us the hard facts, consider this a real tip for success coming from someone who cares. 😉

Couldn't have said it better myself

 

[dragonj]

I agree with zracerz as well.
To Dr. badvibes, you made some of us feel bad vibes about our own school. That's kind of a sucky thing.

Yeah, being in debt will never be #1 on my happy list but crap, drilling it into my head and everybody else's head doesn't make it any better.
And it won't make it any better even for the ones who are trying to make a decision on which school to go to. Why? Because they already know the BIG FREAKING EXPENSIVE COST OF SCHOOL. And....

A person can either make a decision and be happy with it or they can make a decision and whine and complain and make others feel crappy about the decision they made for their own stinky selves.

 

[UBTom]

Just curious...Anyone here got accepted to both state school and NYU but chose NYU? and why?

I knew a few people who chose NYU over my school (SUNY Buffalo)... The main reason is location-- Buffalo is 400 miles from NYC. I guess for people who are already well-established in NYC (have a house, family, dog, other relatives, friends etc.) would choose NYU even though it costs $100K+ more.

There are a lot less people who chose NYU over SUNY Stony though if they got accepted to both places.. But the catch is to get into Stony in the first place. 😛

Yes, $300K debt is heavy... To make it worthwhile, best develop your technical proficiency while at NYUCD so you are comfortable with higher-end procedures when you graduate-- That will make paying off your loans easier. My sister earns a large chunk of her income doing implant surgery and restoration, no problems paying off her $250K NYUCD loan.

 

[aah_289]

I knew a few people who chose NYU over my school (SUNY Buffalo)... The main reason is location-- Buffalo is 400 miles from NYC. I guess for people who are already well-established in NYC (have a house, family, dog, other relatives, friends etc.) would choose NYU even though it costs $100K+ more.

There are a lot less people who chose NYU over SUNY Stony though if they got accepted to both places.. But the catch is to get into Stony in the first place. 😛

Yes, $300K debt is heavy... To make it worthwhile, best develop your technical proficiency while at NYUCD so you are comfortable with higher-end procedures when you graduate-- That will make paying off your loans easier. My sister earns a large chunk of her income doing implant surgery and restoration, no problems paying off her $250K NYUCD loan.

Just for the record, is this the same sister who took nice vacations with her Financial Aid money or was that someone else who posted that? 😉 BTW, great posts, zracer, dragonj, and ubtom.

 

[UBTom]

One and the same. 😀

It seems that the Class of '00 at NYUCD had this philosophy that if they already owe $250K, might as well use the financial aid money to take a nice vacation. What's another $5K for a week in the Caribbean when you already owe $250K? Their answer is, "a drop in the bucket."

NYUCD offers one of the best clinical experiences of any dental school in the U.S. or Canada. I guess that's why my sister is confident enough that she will be able to pay off the loans to use that money to go on vacation!

Definitely try your best at NYUCD to learn how to treat complex cases. If you can handle a full-mouth rehabilitation case (which was part of my sister's clinical experience there), you should have enough confidence to go into private practice even without doing a PGY-1 program... (Then again, PGY-1 is mandatory for you guys if you want to practice in NYS..)

 

[Dr.BadVibes]

You're right, it is too risky for you. Based on a majority of your posts on SDN (including recent threads like this one and the Columbia one), you have a severe problem with coming across as arrogant. Even more potentially hazardous to your future career as a dentist is the fact that you have difficulty communicating with people. Considering that there are ATLEAST 50 people who are currently pissed off at you or don't like you, I'd be very concerned about my future career in dentistry if I were you. You say you have the "business mind" and the "intelligence" down already. Maybe it's time you worked on your communication. Just like you were claiming to give us the hard facts, consider this a real tip for success coming from someone who cares. 😉

Please explain to me how I come across as arrogant? Blunt, yes, but arrogant, no. If bluntness implies arrogance to you, then I apologize for stating the truth and not sugar coating anything....Im sure there is a silent majority on these forums that appreciate this. Personally, Im on these forums to give good advice to people and not lie to them or misguide them like others do....If people dont appreciate this, then they can lick my nutsack.....and do you really think I care what a bunch of Columbians think of me? I hate elitists and that whole thread proved how most Columbians are clueless and not the elitists they think they are.

And thanks for the communication lesson. For your information, I have accomplished a helluva lot in my life so far, more than people in their lifetime. Not because Im better than them, because Ive always been focused and dedicated to the things I want and know how to communicate to others (Columbians dont count), and will work very hard to achieve whats important to me. So I guess I must be doing something right, eh?

 

[Dr.BadVibes]

I agree with zracerz as well.
To Dr. badvibes, you made some of us feel bad vibes about our own school. That's kind of a sucky thing.

Yeah, being in debt will never be #1 on my happy list but crap, drilling it into my head and everybody else's head doesn't make it any better.
And it won't make it any better even for the ones who are trying to make a decision on which school to go to. Why? Because they already know the BIG FREAKING EXPENSIVE COST OF SCHOOL. And....

A person can either make a decision and be happy with it or they can make a decision and whine and complain and make others feel crappy about the decision they made for their own stinky selves.

Look dude, I dont know how i gave you "bad vibes" about NYU, cause I stated many times how I think its a great school....if I gave you "bad vibes" because of the debt talk, well then, Im sorry, but I dont regret drilling it into your head one bit. Why would you want to ignore your financial future? You could goto a bank right now, borrow 200K and live like Hef for 2 years and just keep saying to yourself, "worry about it later...worry about it later" and when the 2 year party is up, then you are seriously screwed.....so I think its better for one to know the realities of the future to better prepare themselves, otherwise you?ll graduate in 4 years with a 300K debt and say, "Ooops, 4 years ago on SDN, some guy named speter said I could graduate with 200K in debt and thats what I was expecting...stupid me".......

 

[Dr.BadVibes]

I knew a few people who chose NYU over my school (SUNY Buffalo)... The main reason is location-- Buffalo is 400 miles from NYC. I guess for people who are already well-established in NYC (have a house, family, dog, other relatives, friends etc.) would choose NYU even though it costs $100K+ more.

There are a lot less people who chose NYU over SUNY Stony though if they got accepted to both places.. But the catch is to get into Stony in the first place. 😛

Yes, $300K debt is heavy... To make it worthwhile, best develop your technical proficiency while at NYUCD so you are comfortable with higher-end procedures when you graduate-- That will make paying off your loans easier. My sister earns a large chunk of her income doing implant surgery and restoration, no problems paying off her $250K NYUCD loan.

Hey Tom, good to see you back...hope everything is going well with you. Anyways, you?re a good example of my argument. You, like myself know full well the advantages that NYU offers...yet you chose to goto a cheaper state school...can you please explain why?

 

[zracerz]

Please explain to me how I come across as arrogant? Blunt, yes, but arrogant, no. If bluntness implies arrogance to you, then I apologize for stating the truth and not sugar coating anything....Im sure there is a silent majority on these forums that appreciate this. Personally, Im on these forums to give good advice to people and not lie to them or misguide them like others do....If people dont appreciate this, then they can lick my nutsack.....and do you really think I care what a bunch of Columbians think of me? I hate elitists and that whole thread proved how most Columbians are clueless and not the elitists they think they are.

And thanks for the communication lesson. For your information, I have accomplished a helluva lot in my life so far, more than people in their lifetime. Not because Im better than them, because Ive always been focused and dedicated to the things I want and know how to communicate to others (Columbians dont count), and will work very hard to achieve whats important to me. So I guess I must be doing something right, eh?

Why should I have to answer why >50 on these forums alone don?t like you? Each person may have a different reason for hating you and a different way of looking at things. Bottom line is, everyone gives a rat?s a$$ about your opinions because you are arrogant. Just go over some of your recent posts. Oh, and there is a reason why this majority of people that supposedly appreciate your posts are ?SILENT.? It?s because they do not exist (i.e. they are imaginary; they are in your head).

I don?t understand why you would spend so much time on the forums arguing with elitists and other people who do not share your views. People do have different opinions and views about different things after all; I hope you?ve already figured that much out and added it to your list of splendid accomplishments in life.

I tried to give you some advice but apparently it fell on deaf ears. It?s just silly hearing stuff like ?I?ve accomplished a helluva lot in my life so far, more than people in their lifetime.? You want a medal or something? You?re in for a real treat. Many of our counterparts will be smarter, more accomplished, and harder working than us. If you?re going to dental school thinking you?ll be $hitting on everyone day-in day-out, you?re in for a real surprise because it WILL be the other way around.

Judging by your SDN posts, most of the people you will meet in life will be more 1337 than you?ll ever be (if you don?t know what that is, conduct a search on any search engine). You?ll be sitting in your own world and everyone will be using you as a scrub.

Oh, and one last thing before I forget. Stop licking people?s balls (i.e. kissing a$$) and trying to get them to support you (i.e. Hey ___, good to see you back? hope everything is going well with you...) 🙂

 

[Bickle]

Why should I have to answer why >50 on these forums alone don?t like you? Each person may have a different reason for hating you and a different way of looking at things. Bottom line is, everyone gives a rat?s a$$ about your opinions because you are arrogant. Just go over some of your recent posts. Oh, and there is a reason why this majority of people that supposedly appreciate your posts are ?SILENT.? It?s because they do not exist (i.e. they are imaginary; they are in your head).

🙂

I like everyone.

BTW, i think you mean "no one gives a rats ass about your opinions".

 

[zracerz]

I like everyone.

BTW, i think you mean "no one gives a rats ass about your opinions".

Thanks dude. I stand corrected. 👍

 

[Dr.BadVibes]

Why should I have to answer why >50 on these forums alone don?t like you? Each person may have a different reason for hating you and a different way of looking at things. Bottom line is, everyone gives a rat?s a$$ about your opinions because you are arrogant. Just go over some of your recent posts. Oh, and there is a reason why this majority of people that supposedly appreciate your posts are ?SILENT.? It?s because they do not exist (i.e. they are imaginary; they are in your head).

I don?t understand why you would spend so much time on the forums arguing with elitists and other people who do not share your views. People do have different opinions and views about different things after all; I hope you?ve already figured that much out and added it to your list of splendid accomplishments in life.

I tried to give you some advice but apparently it fell on deaf ears. It?s just silly hearing stuff like ?I?ve accomplished a helluva lot in my life so far, more than people in their lifetime.? You want a medal or something? You?re in for a real treat. Many of our counterparts will be smarter, more accomplished, and harder working than us. If you?re going to dental school thinking you?ll be $hitting on everyone day-in day-out, you?re in for a real surprise because it WILL be the other way around.

Judging by your SDN posts, most of the people you will meet in life will be more 1337 than you?ll ever be (if you don?t know what that is, conduct a search on any search engine). You?ll be sitting in your own world and everyone will be using you as a scrub.

Oh, and one last thing before I forget. Stop licking people?s balls (i.e. kissing a$$) and trying to get them to support you (i.e. Hey ___, good to see you back? hope everything is going well with you...) 🙂

Once again someone puts words in my mouth...when did I say that I was better than others for the things Ive done and that Ill be ****ting on everyone I meet? Of course Im going to meet people that are better than me and have accomplished much more....heck, I meet them all the time...so whats your point?

Anyways, I dont mind if people give a ratsa$$ about my opinions....doesnt mean Im gonna stop posting, cause there will always be idiots like yourself who try and fool others in believing something that is totally wrong...someone needs to speak up....

ANd by the way, i wasnt sucking up to Tom...Ive always appreciated Tom?s posts cause unlike others, he doesnt beat around the bush and sugar coat things, so he?ll usually tell it as it is....since he hasnt posted in a while, i think it was nice to welcome him back....kinda weird from someone who is arrogant and full of himself....

 

[Dr.BadVibes]

I like everyone.

BTW, i think you mean "no one gives a rats ass about your opinions".

traitor....Stop being the Switzerland of these forums and speak your mind Bickle...

 

[freedyx3]

Once again someone puts words in my mouth...when did I say that I was better than others for the things Ive done and that Ill be ****ting on everyone I meet? Of course Im going to meet people that are better than me and have accomplished much more....heck, I meet them all the time...so whats your point?

Anyways, I dont mind if people give a ratsa$$ about my opinions....doesnt mean Im gonna stop posting, cause there will always be idiots like yourself who try and fool others in believing something that is totally wrong...someone needs to speak up....

ANd by the way, i wasnt sucking up to Tom...Ive always appreciated Tom?s posts cause unlike others, he doesnt beat around the bush and sugar coat things, so he?ll usually tell it as it is....since he hasnt posted in a while, i think it was nice to welcome him back....kinda weird from someone who is arrogant and full of himself....

Wow now he's causing trouble in the NYU forum, damn this kid is everywhere.

 

[Bickle]

Wow now he's causing trouble in the NYU forum, damn this kid is everywhere.

It seems like there are currently 3 billion active threads about NYU on here these days. Some really stupid, ie "NYU chicks" or "NYU anyone?". It seems to me like these newbie nyu ers think that they need a new thread for the most redundant minutia they can think of. Badvibes probably got sick of it.

 

[Dr.BadVibes]

Wow now he's causing trouble in the NYU forum, damn this kid is everywhere.

Yah, seriously...is it a New York thing to go around and spread incorrect information? First it was you saying that Columbia will open more doors and now its these clowns who say that either you can graduate from NYU with 200K or that 300K in loans is easy to pay off in a few years....when is it gonna end!!!

But dont worry, I still *heart* NY!

 

[Dr.BadVibes]

It seems like there are currently 3 billion active threads about NYU on here these days. Some really stupid, ie "NYU chicks" or "NYU anyone?". It seems to me like these ******ed nyu ers think that they need a new thread for the most redundant minutia they can think of. Badvibes probably got sick of it.

Althought these stupid threads did annoy me, the initial cause of my rant was the ignorant posts about the financial situation at NYU and how some NYUers really think in a fairytale way...Its like me starting a thread saying that I could walk through Temple?s area at night covered in gold and walk out alive....HAHHAHA, I would get flamed left right and centre on that one...

 

[aileen]

I feel so sorry...

 

[UBTom]

Hey Tom, good to see you back...hope everything is going well with you. Anyways, you?re a good example of my argument. You, like myself know full well the advantages that NYU offers...yet you chose to goto a cheaper state school...can you please explain why?

Yep, I'm certainly enjoying life a lot more than before May, that's for sure. 😀

Anyway, there were several reasons why I went to Buffalo:

1) I was free of aforementioned commitments-- No missus, no kids, no family dog, no house. 🙂

2) I already commuted for 7 years on the NYC Subway System, first high school, then college. As much as I love NYC, it's time for a change!

3) NYU notified me of my acceptance much later than Buffalo. I've already committed by the time I got NYU's fat envelope.

4) I wanted to see how the rest of New York State lives-- New York is more than just Manhattan!

5) It's a good experiment on living on my own.

Had circumstances been different (if I got my own family, house, etc., or if NYU accepted me first, etc.) I would have gone there.

I had a good four years at Buffalo though, I have to admit.

HTH!

 

[EHA DDS]

Bottom line: We are all going to have massive debt. Now that we are accepted, let's focus on studying our asses off because worrying about money will only strain your educational experience. But the person who is obsessed with loans/debt,tution is the same person who will obsess over making 200k versus 180k or buying a BMW over a Benz. Study hard, live modestly and things will work out.

 

[aah_289]

ANd by the way, i wasnt sucking up to Tom...Ive always appreciated Tom?s posts cause unlike others, he doesnt beat around the bush and sugar coat things, so he?ll usually tell it as it is....since he hasnt posted in a while, i think it was nice to welcome him back....kinda weird from someone who is arrogant and full of himself....

Actually, I'd just like to add that UBTom's comments and analysis of NYU was one of the reasons I considered NYU so strongly. You're right, he never sugarcoats stuff and posts correct and unbiased information. He has told us in the past that his sister has $250k in loans but he also gave us the other side and said she took several nice vacations with her dental school money. He has praised NYU's program in the past and conveyed his sister's input and experiences to us. But there is a fundamental difference between you and him: unlike you, he does not pull stuff out of his a$$. His communication is much better and his posts are not arrogant. I'll leave it at that since zracer is already beating the snot out of you. 😉 In case you forgot Tom's last post, I will quote it again.

One and the same. 😀

It seems that the Class of '00 at NYUCD had this philosophy that if they already owe $250K, might as well use the financial aid money to take a nice vacation. What's another $5K for a week in the Caribbean when you already owe $250K? Their answer is, "a drop in the bucket."

NYUCD offers one of the best clinical experiences of any dental school in the U.S. or Canada. I guess that's why my sister is confident enough that she will be able to pay off the loans to use that money to go on vacation!

Definitely try your best at NYUCD to learn how to treat complex cases. If you can handle a full-mouth rehabilitation case (which was part of my sister's clinical experience there), you should have enough confidence to go into private practice even without doing a PGY-1 program... (Then again, PGY-1 is mandatory for you guys if you want to practice in NYS..)

 

[aah_289]

Bottom line: We are all going to have massive debt. Now that we are accepted, let's focus on studying our asses off because worrying about money will only strain your educational experience. But the person who is obsessed with loans/debt,tution is the same person who will obsess over making 200k versus 180k or buying a BMW over a Benz. Study hard, live modestly and things will work out.

How true. He reminds me of one of those misers who'll go to the Infiniti dealer to buy a car and comes back with the bottom of the line G20. Stop being cheap and concentrate on the important things in life. Everything will work out.

 

[Dr.BadVibes]

Actually, I'd just like to add that UBTom's comments and analysis of NYU was one of the reasons I considered NYU so strongly. You're right, he never sugarcoats stuff and posts correct and unbiased information. He has told us in the past that his sister has $250k in loans but he also gave us the other side and said she took several nice vacations with her dental school money. He has praised NYU's program in the past and conveyed his sister's input and experiences to us. But there is a fundamental difference between you and him: unlike you, he does not pull stuff out of his a$$. His communication is much better and his posts are not arrogant. I'll leave it at that since zracer is already beating the snot out of you. 😉 In case you forgot Tom's last post, I will quote it again.

Either this is Tom?s first biased post "out of his a$$" that I know of or a simple oversight if he wants me (and hopefully anyone else) to believe that one of the biggest (if not the biggest) reason he didnt goto NYU was because of the price difference.

According to everyone on this forum, your (as in Tom) past posts like mine indicate as much arrogance, because you have posted many times how Buffalo is so much cheaper to live and how your tuition was so cheap, and how your debt is so low when comparing to other schools in an arrogant manner (according to the vocal SDN members)....a common theme in many of your past posts had to do with costs, so why was that not mentioned above?

Also, with what you and your sister know now of both NYU and Buffalo, if your sis had the chance to goto Buffalo and save half the tuition, would your sister have chosen Buffalo instead, even though she is doing well now.....??

And by the way, aah, Tom?s sis went to NYu like a thousand years ago, so her tuition was obviously much lower, but estimated costs are now 300K for the 4 years, and thats without the vacations....

 

[Dr.BadVibes]

Stop being cheap and concentrate on the important things in life. Everything will work out.

Stop being cheap, eh! Great advice buddy! If people want to take your advice, go ahead and I wish you all the best...if people want to take my (and the majority of practicing dentists out there)?s advice to try and minimize dental school costs as much as you can, go ahead. Its up to the reader.

 

[speter33]

Ok there is one thing we all agree on. If one goes to NYU his debt will be larger than if he attends most other dental schools. The problem with Dr.BadVibes (a very appropriate name) is that he puts this negative on the top of his list. Myself, like most others here consider the price to be one of the negatives but not of immense importance. I'm confident in my skills, my future, and what I have to do to get there. Paying off an extra 100k over the next 30 years doesn't intimidate me one bit because I'll be a success. So stop pointing out the tuition because we all know what it is, it's never been kept a secret from anyone, it's just not that scary to most of us.

 

[aah_289]

Stop being cheap, eh! Great advice buddy! If people want to take your advice, go ahead and I wish you all the best...if people want to take my (and the majority of practicing dentists out there)?s advice to try and minimize dental school costs as much as you can, go ahead. Its up to the reader.

Ok good. Can you please tell us once again how much money an average NYUCD student will have borrowed in 4 years? I think I saw it in your last post but I've already forgotten. You like talking about it a lot so let's hear it once again.

This thread is for incoming NYU students. Most of us have already made plans for NYU and have ALREADY decided to still come here. I don't understand what you're trying to do.

1.) Are you trying to make us feel bad about NYU?
2.) Are you trying to get us to change our mind about NYU?
3.) Or do you have a personal thing against NYU?

Whereas Tom gives us a lot of varied information about NYU (including cost), the only thing you do is sit in Costa Rica (i.e. your bedroom in Toronto), act arrogant, and remind everyone how you did the right thing by saving a $100k and how NYU is too expensive.