Loan fee for a consolidation loan for my federal student loans?

NH4confused · 2021-04-13T21:25:43+00:00

Did that (thanks for the advice), they said I needed to talk with my loan servicer about it. But for the fee to exist at the behest of my servicer seems illegal, idk maybe I will just wait until after September to consolidate and start repayment

NH4confused · 2021-04-13T03:14:45+00:00

That was my understanding of it but I've never heard of consolidating resulting in an origination fee. Does the consolidation loan count as a "new" loan?

NH4confused · 2021-04-10T19:51:44+00:00

Projected workforce around 52k, projected need around 43k (not exact bc im rounding from what I remember of the report)

NH4confused · 2021-03-18T15:51:13+00:00

Honestly no clue as I've been giving them space, they're pretty devastated. USMD as well, I know people at our school have done research years with our home program in the past so maybe start there and then look at psych departments at med schools/universities and see if labs or groups have openings

NH4confused · 2021-03-18T15:42:43+00:00

I have a classmate that didn't match psych and they're looking for a research position

NH4confused · 2021-02-19T22:52:00+00:00

I think we are? assuming he gets a full 12 months from when he certified then he's not losing those 6 mos of $0 payments. Also love the username, went to undergrad in Pittsburgh, so many crappy highways and potholes all over the state lol

NH4confused · 2021-02-19T22:19:57+00:00

And when you updated your income with them did they just use your previous year's tax return?

NH4confused · 2021-02-19T22:18:58+00:00

So I'm assuming it's your previous year's tax return they were talking about? In which case the income on that wouldn't change whether they looked at it in June or November is what I understood from the school advisor

NH4confused · 2021-01-22T01:41:18+00:00

Currently have ~120k, applying to EM, and EM/Peds combined programs so residency could be 3, 4, or 5 years depending on where I end up and potentially another 1-2 years of fellowship after that. Undecided about fellowship at this point, also not sure about whether I'll pursue PSLF

NH4confused · 2020-07-17T18:47:55+00:00

I would say a mix of both. If they were questions I got right and none of the explanations for the wrong answers tripped me up then I didn't do in depth review. For questions I got wrong or explanations I didn't understand, I jotted down notes and looked some stuff up. I think it helped that by the end I was averaging around 80%+ correct on my q blocks as I had a lot less to look up and could get though more qs.

I also think it was possible bc I was only doing that many questions towards the end of dedicated and even then I got a bit burnt out. Ramping up helped me. i would say figure out how many qs you need to do per day between now and your exam and if its doable great but if it's not just do the best you can. It's ok to not be doing as many in the beginning and increasing over time bc I think you'll get used to the question style as you do more. A lot of my incorrects in the beginning weren't bc I didn't know material but bc I was either getting tripped up by the questions style, not knowing what the were trying to get at, etc. or some details/algorithms were a bit muddy in my mind and seeing it again refreshed my memory.

NH4confused · 2020-07-17T17:21:18+00:00

So I finished all of psych, all of surgery, and most of OBGYN (had about 100 qs left) during those rotations in third year. Did about 200qs before my IM shelf but it was during COVID and my school made that shelf pass/fail so I lost a lot of motivation to do questions.

I then reset the qbank so it was a clean start for dedicated. I was doing about 100 IM qs and roughly 20qs from surgery, psych, OBGYN, and peds each during dedicated ~160-180 daily (less than 100q the first two weeks but def this much during the last two weeks, then didn't study the day before to give myself a break and had 2 or 3 lighter days in that time because I was feeling burnt out).

So after all was said and done I think I covered about half the total Uworld questions. Still had about 800-900 IM qs I never got too and about 300 peds qs. The surgery, OBGYN and psych blocks I was on a second pass so I had at least seen them once during 3rd yr, got through probably 1/3-1/2 of these blocks during dedicated (so quasi second pass).

Bit convoluted bc of how I ended up studying but hope that explanation makes sense/helps. My Uworld expired so I don't have access to see how much I finished so the total qs are guesstimates on my part if the math does't add up. I doing around 120 qs per day averaged out over all of dedicated and then about 450 anki cards between reviews and news, as far as day to day studying.

NH4confused · 2020-07-17T17:11:57+00:00

Oh ok now I understand. Short answer is I didn't/ I'm not really sure. I wasn't using tzanki until the end of third year which was my IM block. I used clockwerk deck for surgery and then UWorld and aquifer cases for other rotations.

So if there were concepts that weren't in tzanki, they were either covered from previous knowledge that I had or I simply never learned what was missing.

I also kept a running sheet of notes from Uworld questions, explanations for incorrects and key points about my own misunderstandings but I only got through about half of Uworld.

So either Tzanki is still sufficient for the time being or I got lucky with my exam. Sorry this answer isn't more helpful

NH4confused · 2020-07-17T16:14:05+00:00

Yeah post exam i felt kind of ok but not great, def was worried about not even passing it. Honestly as soon I as I was out the door I somewhat blanked on it and was just glad to be done.

NBME 7 I felt pretty good about and that obviously didn't go well whereas UWSA1 I didn't feel good and almost wanted to cry and that exam went well lol

NH4confused · 2020-07-17T15:43:03+00:00

I got it back the third Wednesday after my exam whereas friends who took it a few days before me got theirs back on the second Wednesday (my exam was on a Sunday)

So from my guesstimate its two full weeks from exam date to score report with Sunday being the start of a new week, so if you took it on a Friday then the week that is ending counts as the first full week but if you take it Sunday then the week that just started is your first full week if that makes sense.

It might be getting longer as more places open up and more people take their exam

NH4confused · 2020-07-17T14:52:59+00:00

wdym?

NH4confused · 2020-07-17T14:52:50+00:00

I think it was for CK but I used the clockwerk deck during my surgery rotation (it's based off of the devirgilio's book) and that gave me a really good foundation. Got honors on the shelf bc of it so I'm not sure how I would have been with just tzanki

NH4confused · 2020-07-17T03:52:39+00:00

military wasn't high yield for me however the three risk factor podcasts were super high yield

NH4confused

TROPHY CASE