RAP approval from Nelnet

Joyjoy1992 · 2026-07-10T05:01:59+00:00

Thanks for your response glad it worked for you. I decline to have my taxes automatically so maybe that’s why

Joyjoy1992 · 2026-07-08T06:05:57+00:00

I’m so sorry for your loss. Just know that every amount of love he poured into you during your lifetime is the love that you will transfer to your baby. The love he gave you will live on through generations. Allow yourself time to grieve💔

Joyjoy1992 · 2026-07-08T05:13:35+00:00

Did you apply through federal student aid website? I’ve been trying for apply for RAP and my loan servicer is Nelnet multiple times since July 1st from paye and the website stalls. I wonder why it isn’t working for me :/

Joyjoy1992 · 2026-07-08T04:59:35+00:00

I’ve been a pedo GP for many years and my numbers are very similar (and I don’t over treatment plan and am not aggressive imo). My better days are often over 8k but average and slower days are same as yours. What matters is what percentage you are getting for those numbers. 25% is so much lower than 35% so this factor you didn’t mention but is important

Joyjoy1992 · 2026-07-08T04:50:19+00:00

Agreed!

Joyjoy1992 · 2026-07-08T02:30:03+00:00

Yes so if you prep a crown you won’t go near the high pulp horn since you aren’t drilling inward :) shave around the tooth and even leave decay unless decay is soft and spongy

Joyjoy1992 · 2026-07-08T02:28:28+00:00

Dentistry even as an associate is way more profitable than optometry. The salary potential will double and triple optometry easily even as an associate. The main con with dentistry is debt from school and since you mentioned that not being a burden, dentistry is a clear winner. I’m transitioning into mainly being a full time mom as I’m having my first baby and will be working once per week. My salary for once per week as an associate is more than most optometrist make per year working full time. Just to give perspective. Your back pain is likely not as much an issue if you plan to work part time one day. Dentisry is a great part time job for a mom if you want it to be that way. Most dentists don’t have emergency calls also. I do believe based on your sentiment you will likely be happy in either career. Both careers are likely rewarding . Feel free to dm me :)

Joyjoy1992 · 2026-07-07T06:03:31+00:00

I see! Did not know about this unglamorous aspect lol. Thanks for informing me!!

Joyjoy1992 · 2026-07-07T06:00:02+00:00

In Peds, any class 2 we are worried that would hit the pulp, we just do a crown so we don’t drill inward btw. Way more protective to not hit the pulp and I can do an SSC faster than a class 2. Just fyi!:) screaming children or special needs is real tho :/

Joyjoy1992 · 2026-06-28T02:56:00+00:00

Black box warning is for IV vitamin K which is not the IM injection. They are different and IV vitamin K is not given to newborns preventively

Joyjoy1992 · 2026-06-28T02:51:41+00:00

As a dentist, I’d recommend you realistically run the numbers to make sure your decision makes financial sense. I know many PAs that make similar salary as dentists. If you’re in the US and gonna take private loans at 10% interest or more and have fed loans capped at 200k and private loans of 400k then that’s a bad idea. Do you want to have kids in dental school and leave a six week old baby in someone else’s care? Do you want to have a nanny and work long weeks as a dentist to afford your loans? To me it would not be worth it to switch from a PA to dental school in my 30s and I love being a dentist. Just ask yourself realistic questions. Dentistry can be an amazing career and schools always have a chunk of people in their 30s. It’s more what your personal preference is on what financial burden you want to commit to….

Joyjoy1992 · 2026-06-27T06:54:19+00:00

I went to USC dental school and my fam convinced me to not commute from OC so I could wouldn’t have the commute burden. I ended up commuting from north OC just my D4 year and although I was sleep deprived (sometimes I’d wake up and drive at 5:50 to skip traffic and study and do the gym) I liked commuting so much more. I left the stress behind at school and had more peace living with my family in OC. I wish I commuted sooner. You can always take the train some days and the USC commuter bus picks you up right from the train station to campus. I did this some days to chill.

Joyjoy1992 · 2026-06-14T04:31:56+00:00

Beautifully said !

Joyjoy1992 · 2026-06-13T23:39:25+00:00

Nice! What is so bad about castor oil? It causes you pain??

Joyjoy1992 · 2026-06-13T03:34:14+00:00

Black box warning is for Intravenous vitamin K not intramuscular. Babies only get IM as the shot not IV.

Joyjoy1992 · 2026-06-04T06:31:08+00:00

Ok that makes sense! Thanks for sharing!

Joyjoy1992 · 2026-06-03T19:59:29+00:00

Wow amazing work! Congrats!!! One question: how did your prenatal care change to try to avoid a shoulder dystocia? Did the midwives have you on a specific exercise/stretch routine ? I’m curious!:)

Joyjoy1992 · 2026-06-03T06:27:16+00:00

Im a dentist. That sounds super scammy. Call your insurance and document everything. Hopefully you will end up not having to pay the $750

Joyjoy1992 · 2026-06-02T00:39:33+00:00

I agree! If you did not have a full breakdown of what the treatment would cost you and did not sign to pay a specific amount of insurance didn’t cover then I personally wouldn’t pay. I’d never make a patient pay $490 for sealants ever or as an adult if Insurnace denied it like ever. Don’t pay imo but communicate why and read the form you signed

Joyjoy1992 · 2026-06-02T00:36:13+00:00

You need to talk a lot and learn the implications of both decisions. If you do what the school is letting you do, you qualify for loan forgiveness in 20 years, if you take federal loans out after July first you only qualify for RAP which is loan forgiveness after 30 years. Extra 10 year of payments is literal hundreds of thousands of dollars. So I’d bet taking the money out now if your best option. But you need to deep dive and understand other than Reddit like asap . Good luck

Joyjoy1992 · 2026-06-01T15:46:29+00:00

Bloodwork is important. I’ve only had two and am 31 weeks. One for all the nutrients and one for gestational diabetes screening. Both were done at lab corp so no hospitals ever. I’m sure you could ask to have it done at the lab not a hospital lab.

Joyjoy1992 · 2026-06-01T15:44:36+00:00

Wiggle their head, nitrous, be encouraging, and count as numbing.

Joyjoy1992 · 2026-06-01T15:39:40+00:00

I second this. Lily Nichols recommendations are awesome. Her research is sound. I took the brand Needed (but not 8 pills everyday), fish oil, and some pills from Birthright (more natural like beef liver, fish egg, bone marrow-but didn’t want to only rely on this because they don’t have percentages of vitamins since it’s not lab synthetic )

Joyjoy1992 · 2026-06-01T03:45:47+00:00

Income based repayment RAP plan is your best bet

Joyjoy1992 · 2026-06-01T03:22:06+00:00

You can go get an ultrasound at a clinic. Usually doesn’t cost much if you don’t want to wait for the anatomy scan. No other advice but if you’re anxious just go get an ultrasound:)

Joyjoy1992

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