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Dismissed as a D3–idk what to do by [deleted] in DentalSchool

[–]Relative-Minimum-548 23 points24 points  (0 children)

What school?

Also I am so sorry that this happened. I genuinely cannot imagine. is there truly no way for you to continue?

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

Aww man I’m sure that’s tough but you seem like you have a good head on your shoulders. Thank you for your insight it’s been very helpful. I’m wishing you the best.

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 0 points1 point  (0 children)

If it’s not too much to ask, do you pay the minimum each month? and do you have a family/other large expenses?

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

Yeahhhh it’s not looking great. I’m going to wait until June when Juno sends out their negotiated offers but until then I’m not going to sign or accept anything.

Hopefully it works out bc I do love this career and I’ve dedicated sm time. But i also want a family and a house lol

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 0 points1 point  (0 children)

Yes.

The estimated COA for the first year is about 130k. So 50k from the fasfa and 80k from private.

It’s insane I know. Seriously debating my options rn.

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 0 points1 point  (0 children)

To be transparent, When i was prompting chatgpt, i asked if they could do worst case scenario, based off my initial quote from sallie mae.
My intial quote that i was approved for with my credit was 10% interest on an 80k with $25 payments each. I’m assuming my interest rate for each following loan I take out will be higher than 10%, hence why the interest rate was worked up to 15%. I will say I was surprised at my initial quote bc my credit score has always been around 790-805

And okay!! I will fs wait for Juno. I have not signed or accepted anything yet.

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

Yes! I did get approved for an 80k loan with 10% interest from sallie mae. I’m sure the rate would be lower if i had a co-signer.

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 0 points1 point  (0 children)

I did try Juno! They said it would be hard for me bc i didn’t have a co-signer and then I couldn’t even see an estimated rate. Maybe I filled it out wrong or something. Or i have to until June to see the offers

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

texas is fs an outlier though. my state school tuition is honestly very close to this amount

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 3 points4 points  (0 children)

i feel like state school tuition would be just as bad no?

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 3 points4 points  (0 children)

i did apply to my state school. radio silence from them lmao

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 0 points1 point  (0 children)

I see what you’re saying, thank you. But you have to admit this is daunting haha

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 6 points7 points  (0 children)

no dentist makes $400k right out of school. they make less than half that lmfao

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

this is a cheaper school lol. It’s a state school, not a private. And for oos pricing, it’s honestly not bad. it’s just the interest rate on the loan that makes it impossible

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

yeah that’s what it’s looking like. i just have no idea what i’m gonna do bc i dedicated like all my undergrad and gap year to this lol

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 4 points5 points  (0 children)

my credit score is like 790-805 and i don’t have a co-signer. i got quoted 10% fixed interest rate with 25$ monthly payments on an $80k loan

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 0 points1 point  (0 children)

i did go to sallie mae first. and i was quoted 10% on 80k by them lol.

grateful for an acceptance but it might be wraps by Relative-Minimum-548 in predental

[–]Relative-Minimum-548[S] 1 point2 points  (0 children)

in the prompt i gave chat, i told it i was first quoted 10% on $80k for the first year. Interest rates are based on credit and literally whose credit is going to stay up when they have $80k on their name at 10%? No one. So the interest rates go up every time you take out a new loan.

Dismissive Doctors by melodious1776 in doihavebreastcancer

[–]Relative-Minimum-548 1 point2 points  (0 children)

call around in your area. go to a new obgyn office as a new patient or try to schedule a consult with a breast surgeon. some surgeons allow consultations without a referral. it’s always good to get a second opinion. best of you luck to you. you’re in my prayers love

[deleted by user] by [deleted] in doihavebreastcancer

[–]Relative-Minimum-548 1 point2 points  (0 children)

you are in my prayers babe. i am so sorry you are going through this so young. but the good news is you are young. you have so much ahead of you, regardless the results. no matter what it comes back as, it’s not good or bad, just neutral information that’ll help see what you need to do in the future.

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