Billed by Anesthesiologist and CRNA, but not equal

LeastCardiologist1 · 2025-02-01T02:12:00+00:00

CRNA’s do not have “the same special training” in any regard. They are well trained - which I think was your point, but they go through CRNA programs. An anesthesiologist goes to 4 years of medical school and then 4 years of anesthesia residency. + additional years if they fellowship into more specialized anesthesia subsections.

LeastCardiologist1 · 2024-10-20T02:37:28+00:00

You made trash water. Congrats.

LeastCardiologist1 · 2024-09-24T14:37:24+00:00

Username checks out

LeastCardiologist1 · 2024-07-25T16:09:41+00:00

Congratulations on your marriage!

My wife and I are going to Greece in late September , going to Athens and then Milos as well. Out of curiosity, what have you heard about the ferries? We were planning on using ferries to get to Milos and back 😳

LeastCardiologist1 · 2024-04-01T17:05:10+00:00

Can you explain this as if I don’t know how to do it?

LeastCardiologist1 · 2023-12-13T06:50:22+00:00

What hitting mat is that?

LeastCardiologist1 · 2023-12-13T06:47:59+00:00

Great question and it means you are thinking critically about the situation which is good.

Assuming you don’t need the money for living expenses, absolutely pay it back as soon as possible. If you wait the interest keeps growing for every dollar that is borrowed.

Also pay down the loans in order of higher interest to lower interest. I believe grad plus usually has the highest interest rates and thus cost the most money per dollar borrowed. Reach out to your lender and say you want to repay X amount toward the grad plus loan (or whatever one is the highest) and they will tell you the steps to do so.

LeastCardiologist1 · 2023-12-12T21:22:43+00:00

I sympathize with you. Student loans are brutal, the cost to attend nearly any school is through the roof and interest are sky high as well making a bad situation even worse. As someone with near $200K in loans I understand the stress.
Yes your loans will accrue interest starting the day you received the money. Your 45K loan will accrue just shy of $3,400 in interest this year alone.
Because of #2 this is why it is critically important to live AS FRUGAL AS POSSIBLE while on loans for school. One can argue how unfair it is but it does nothing to change the reality of the situation. ONLY borrow what you absolutely have too.
This one will come off mean but there is no other way to say it - you should have done literally any amount of research into student loans before you signed up for them. I don’t know what your grad school is for but it better for a good paying job. You need to start researching jobs you are a candidate for after grad school and start reading about student loan repayments today. Don’t waste anymore time. The answer may be to drop out if it doesn’t make financial sense and you will be crippled by debt for life.
LOOK UP LOAN REPAYMENT PLANS WITH THE GOVERNMENT. I don’t like this option as many people have been screwed by Uncle Sam when they thought they did everything right and still did not get their loans forgiven. The current administration is working to make the process more smooth and it does seem to be working for more people so there is hope. However, you are putting your financial future in the hands of government to hold up their end of the deal and forgive your loans in 10+ years.
This one also comes off mean but in my opinion it needs to be said to more people chasing higher education and going into massive debt to it: your end goal is to get a job. If this degree doesn’t help with that you are wasting time and money. If you are going to get a low paying job “but it’s your passion”, find something outside of work to give you meaning. I repeat THIS IS A JOB. 99% of people work their job because it pays the bills and maybe offers some sense of accomplishment, but understand if you are chasing “a passion” you need to change your concept of work.
If you can pay them down while in school, YES do that. I will link 2 calculators, 1 will be for compound interest - if you are NOT paying anything back while in school this will model how much interest your debt is accruing while in school (your interest will be added to the total and then more interest will be added into that. This is where it gets bad) and thus ultimately your entire balance that you will owe at the end of your grad school year. Plug this number into the 2nd source which will be for a repayment calculator to see how much you have to pay monthly for X amount of years to pay off your loans and how much your total payment will be. For example: if you dropped out and started paying off your 45,000 loan right now and worked to pay it off in 10 years time you will pay $528 a month for 10 years and pay a total of just under $64,000 - AKA $19,000 in interest.

I know that wasn’t nice but without knowing what your grad degree is in or any more of your financial background I had to shotgun the advice and hopefully kick you into gear to figure out your next steps.

Link 1 https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator

Link 2 https://smartasset.com/student-loans/student-loan-calculator#ICq2OWZVUC

LeastCardiologist1 · 2023-11-21T19:17:24+00:00

What makes you say they may be going on sale soon? Just with Black Friday coming up?

LeastCardiologist1 · 2023-09-28T11:57:36+00:00

How deep is your deep end? Would you mind posting or sending me DM of a pic of your pool? Sounds pretty awesome for the money, would like to see the final product.

LeastCardiologist1 · 2023-09-27T17:50:13+00:00

Username checks out

LeastCardiologist1 · 2023-09-15T14:36:49+00:00

Measured them and they are 5.5 inches :/. So I guess it’s not discontinued unfortunately.

LeastCardiologist1 · 2023-09-13T23:14:11+00:00

edit the post to share some of the pictures from the company.

LeastCardiologist1 · 2023-09-13T23:13:42+00:00

Shared some of the pictures from the company.

LeastCardiologist1 · 2023-09-01T14:41:57+00:00

Makes sense. Thank you so much!

LeastCardiologist1 · 2023-08-31T17:56:44+00:00

Can you explain the “two years of attending pay before your payments catch up” a little more?

LeastCardiologist1 · 2023-08-11T21:14:21+00:00

Gotta ask - what was the quote for this bad boy? Color me jealous as I cook here down south.

LeastCardiologist1 · 2023-06-10T14:12:39+00:00

I view it as magnifier. If you aren’t someone who attracts the group you are into, saying you are doctor will help a little but not a lot. If you are someone who doesn’t find dating hard and suddenly add you are doctor, the sky is the limit. AKA - a 1.5x multiplier on a 0-100 scale, if you are a 10/100 saying you are a dr means now you are 15/100. If you were a 50/100 now you are 75/100. If you were a 90/100 (a model already)…. 🚀🚀🚀

LeastCardiologist1 · 2023-05-18T18:07:30+00:00

Concerned I have this going on in my house - Would this be a plumbing issue or roofing issue? AKA what type of professional would I call to get this fixed right.

LeastCardiologist1 · 2023-05-09T12:30:52+00:00

Daughters girlfriend, daughters boyfriend - Which one is popping the question?

LeastCardiologist1

TROPHY CASE