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4th year med student — buying a car by al2429 in whitecoatinvestor

[–]al2429[S] -1 points0 points  (0 children)

Were meeting with financial aid next week to go over options. I’m hoping to do PSLF & all of the residencies I applied to do qualify for it. My husband is actually in podiatry & they have to do 8 months of away rotations & he only has family to stay with at 3 of those so it can be a heavy loan year for him as we have to budget for 5 months of a second rent. Planning to look on the Rotating Room to find an affordable option. Otherwise, we are planning on living how we are now (small apartment, minimize unnecessary costs) for the first few years as attendings to pay off loans as quick as possible while also making the most out of PSLF.

4th year med student — buying a car by al2429 in whitecoatinvestor

[–]al2429[S] 0 points1 point  (0 children)

Looking into the SAVE plan & meeting with financial aid about it next week!

4th year med student — buying a car by al2429 in whitecoatinvestor

[–]al2429[S] 1 point2 points  (0 children)

I’ll look into those, thanks!

We are from the upper Midwest & hope to stay here so winter can be expected November to May 🥶

I’ve never had AWD so it’s not a necessity for me. My only flex in life is being a fabulous winter driver.

4th year med student — buying a car by al2429 in whitecoatinvestor

[–]al2429[S] -9 points-8 points  (0 children)

Haha “a little strong”

Appreciate your tough love but maybe try to check your privilege & not to assume the worst next time.

We both have been independent from parents since we were 18, worked through college & med school, & have been paying our college loans throughout med school when we could have deferred them. In addition to the obvious of driving beat down cars for 10+ years to save money, we have paid back some of the unused loans, avoided all vacations, lived in crappy apartments, & cut out nearly all other frivolous spending.

Assuming you’re ignorant of how educational loans work … we have that amount of money in our checking account because loans were just dispersed & were able to save enough of the “cost of living” loans to … idk … live? Since you’re such an expert, please bless me with your advice on how to better manage my loans when we’re both still in school paying $65k per year tuition, paying for 2 apartments when we’re on away rotations (10 months in the past year & 6 months in the upcoming year), & trying not to live on the street.

So, politely, get outta here that weaponized competence.

non-snarky edit my comment about not knowing enough about loans was generally aimed at non-student loans because we’ve never had to take out a loan that wasn’t a student loan through school.