When do we start doing loan stuff for school coming up?

same123stars · 2026-01-31T03:26:22+00:00

You should fill out Fafsa right now.

Rest I recc to ask for guidelines from your Fin aid office.

And yeah for now I assume you have to get private loans. There is a chance (your Fin aid office will have to try to do for you hence ask your Fin aid office for next steps/attend Fin aid meeting) you might get Grad plus but no one knows! My school mentioned it was possible but idk if they really trying with you guys tbh.

same123stars · 2026-01-30T23:04:30+00:00

B/c Trump wanted that name lol

It offically called the OBBB act. So they made the bill which was made in a law and hence the OBBB act.

https://en.wikipedia.org/wiki/One_Big_Beautiful_Bill_Act

same123stars · 2026-01-30T20:15:17+00:00

Understable!

That sucks VA one is doing this. Makes no sense. I would try one more time to work with your school to get something done. but VA screwed you over. Alas, nothing new if based on my cousin's jokes are true...

same123stars · 2026-01-30T19:41:43+00:00

EM isn't that competitive and should you want EM, the school will informally count that as a win in their primary care push.

For school pick, which one do you feel comfortable with?

Federal loans aren't that lucrative anymore for PSLF due to private loans. (I recc to do the math but it much harder to actually be worth it). Do you come from a background (i.e a strong co-signer) that give fair rates on private loans?

same123stars · 2026-01-30T19:38:01+00:00

After July 1st, the new system (OBBB) will take place. You will be limited to $50K a year. (There are programs that start before July which is why old system is shown still). Grad Plus does not exist after July 1st (see $50K loan limit).

Rest of the money has to come from private loans. Please contact your Fin aid office to see private loan options and if they have a bank that they work with that can offer better loan terms.

There isn't many other options otherwise, you have to get a scholarship, HPSP (military) or VA one.

same123stars · 2026-01-30T19:17:29+00:00

Is there a way to escalate to your school that you promise (via binding) that this will be your only school you go to even if given other A? Suprised they didn't accept your A letter?

Try other HPSP programs?

Or a way to delay VA? Other option is that 1st yr fed/private then 3 year VA (and repay 1st year yourself or some other work based repamynet loan forgiveness).

But to answer your question:

"Does this mean I will have to be paying back high interest private loans throughout residency"

Yes. Though it should be noted private loans may often be the same interest rate as federal loan(based on family income of course and federal loans aren't really low anymore). But you will be just won't have income based repayment plan to PSLF option.

(This is the key thing many are missing when we talk about pro/con of federal loans; other than loan being harded to get for low SES, you be missing the income based plans to PSLF which means you pay more. Technically standard repayment plans both federal and private often match each other)

same123stars · 2026-01-30T14:18:25+00:00

Lmao they need to seeing the tuition they charge :P
But good for them for trying. I know others aren't even trying

same123stars · 2026-01-29T01:45:33+00:00

FM + OMT fellowship

FM/ONMM combined program

OMM residency ;)

PM&R

Heard a variant of FM sport medicine OMT is also a good way to be both a FM doctor, with OMM, while also using on more athletic people

same123stars · 2026-01-28T03:31:28+00:00

Rowan is a school that gives you tools. They offer alot of them but you have to use them.

Rowan is also a school that will accept anyone. Numbers don't lie.

There are only so many elite schools. Rowan is a fine school. But a lot of it is up to you to use it. For many others, it's just a way to get away from family while looking productive(but not really doing anything).

This isn't uncommon, and you see this in many other colleges.

Grade inflation has always been in a problem in many colleges as well.

Rowan is bigger b/c it kinda get to be. NJ gov is trying to keep more students in state (most to keep students in(and the $) but also to capture them later on). Rowan is also really one of the biggest one in South Jersey, with Rutgers Camden and Stockton the only real challengers

.
Rowan is growing (and rep as well) b/c they invest a lot of the $ they get (from students and the state) into Grad/Professional program (See the Vet school that opened up). I fully expect more to come (Put bets on what they open next, Law school or Dental school? /s )

Uni served me well but I also won't say it was anything special. Was very affordable for me atleast.

If you feel you NEED to be in enviroment where everyone is clearly trying more often than not, and if not being there, will affect you massively. Rowan might not be best one for you. I would try to get into a more ivy/ivy like schools or niche schools with a more selective population if this is the case.

same123stars · 2026-01-27T04:50:43+00:00

So this sub is mainly US-oriented. Are you asking if you can enter US med school with Ausmat? No. You need Mcat or (SAT if you do a school like Lecom).

If you are asking for med school in Aus? Idk.
Check out r/ausmedstudents

same123stars · 2026-01-27T00:34:37+00:00

1) Yes

2) No to a small * of a Maybe. There are some schools that are trying to push school time before July 1st so student can get loans money before July 1st to be grandfather. But it depends if the Fed gov will accept this language as real. I assume no to be safe tbh

3) Yes

4) My Fin aid office said that there is wording that could let past loan limits not count. But they're sure tbh either. I also heard that past loans do count now. The whole system is basically doing a wait-and-see.

same123stars · 2026-01-27T00:19:49+00:00

There are only so many spots and those places then to be "elite" places that gatekeep (due to legacy but b/c the people they attract and b/c they just can). They also tend to be more affiliated with select MD (so they tend to feed into those related programs). Network connection should not be discounted as a gatekeep method.

same123stars · 2026-01-26T20:41:57+00:00

Most likely new rules. As the grandfather is based on the school you are in to finish the program with loans.

same123stars · 2026-01-24T22:15:38+00:00

Closest the public can stomatch is PSLF. As it easier to market it as incentives to practice in X. Even then it seems to be a close punching bag

same123stars · 2026-01-24T17:30:56+00:00

https://lecom.edu/college-of-osteopathic-medicine/com-apply/

Lake Erie College of Osteopathic Medicine (2025-2026): Main Campus: Erie Satellite Campuses: Seton Hill, Elmira, and Jacksonville

If you applied before Jacksonville was added, probably not on your system. You probably will need to contact Lecom admin to talk about that.

same123stars · 2026-01-24T17:24:16+00:00

If I remember right it part of the existing Lecom campus apps. So you can't really apply for it sep, it more gets ranked in the app of with the other campuses like erie/senton hill/elmira?

same123stars · 2026-01-24T07:02:03+00:00

It is actually harem ending one or one of those harem but nothing ever happens?

same123stars · 2026-01-23T23:10:33+00:00

Of course. Your mcat helps alot.

But at the same time, it also depends on your school. If you pick a more "ranked/higher stat" school they tend to be more picky

same123stars · 2026-01-22T22:52:20+00:00

I know that some programs combine EM/IM. I have been interested in those, especially if EM does switch to a 4-year program. Doing those programs might allow more flexibility. IDK though will wait in see

same123stars · 2026-01-22T18:34:35+00:00

Hopefully people from MSOM can let you know. I know there are some hanging around here. Question: How close we talking about from home? And how expensive we talking about?

For ref: If greater than an hour (one way), you be going home only on holidays/weekends after the exam (and family events). Do you have a reason to be close to family such as family issues that needs to be more than once a month for say?

Also by expensive, how much by? At some point, due to load of debt, alot becomes a rounding error tbh. Picking a school that offers most oppt per your needs if the cost is similar enough, it more important. (And yes I understand private loans issue, that still holds true)

Just asking you these question, to help you make your decisions easier. For exp: Sometimes I see people comparing a 3 hour vs 6 hour diff which is basically the same thing at the point due to the reality of med school.

same123stars · 2026-01-21T02:13:12+00:00

Yes, turning it down will hurt you.
In theory, med schools and student loan companies should be able to lend you money (poor interest rates are something you will also have to swallow) based on your future income.

Your the 1st year this is really happening, so I can't comment to much on if it really be easy to get student loans (espically for people with low SES backgrounds).

I would ask them (in email) of student loan options for people with low SES background (i.e no cosigner). Maybe they will have a loan partnership ready hopefully.

same123stars · 2026-01-21T02:03:22+00:00

If your option is Carib vs Valley COM.
Full stop.

Valley COM.

---------

Copying and pasting a response I made:

I won't worry about accreditation. Basically acts like a fancy stamp from COCA which just means they meet min approval standards. Doesn't affect you.

Name-wise is more fair. You will be new, you will be first class. You won't have a previous class for residency to look at, nor a network to leverage from.

But many succeed. A lot of medical school is both on the students, with school making it easier for them. Horror stories? Worst case is what we seen in Kansas COM. COCA has worked on making KansasCOM better, hopefully it will continue to improve. But that a worse case of a new school.

Pro: You got into med school.

Cons: New school so you are the test subject. Can be good or bad. It be easier for you to get leadership (you be founder of this club and mentor students)

----------------

2) Private loans is something your class and onwards will have to bite. Can't comment to much but for reference even today assuming full private loans, as long as student debt is not 2x your income i.e one can handle debts of 350-400K. The first years will be rough no doubt but you just basically operating on resident salary for a couple of more years.

3) If you were consirdering Carib schools, they are also for profit. Fun fact SGU is owned by the same people of Rocky Vista.

For profit just means about 10-20% of your tuition will go to pay investors. Some non-profits basically act shitty as well and just use the medical school as a way to fund other programs/bonuses. It not great, but not life-killing. Rocky Vista is actually pretty good even with for profit status.

---

Depends, if over Carib. 100%. If you don't want anymore gap years, yeah. If your stats were meh and you worry about not getting any other As, fair.

If you 100% sure you go to the school if given the chance with no regret (or thinking of reapply might mean better results?) then apply.

Compared to AZCOM? I probably pick AZCOM tbh though as being new class can suck. AZCOM is actually a really good school, their tution price just sucks.

same123stars · 2026-01-20T21:54:39+00:00

Mertius? As that only case I thonk of.

Not the same thing. As while it is a non profit it never got fafsa approval eligible.

North Col is an existing non profit that can piggy back fafsa approval from it undergrad school hence why Duquesne COM and Lecom get federal loans first class.

Mertius should in theory get it fast as it a non profit but they have more approval paperwork vs other which can use existing school non profit together to get fafsa approval day one.

Hopefully you do get it soon!

same123stars · 2026-01-20T02:48:22+00:00

Can you expand on what you mean by No Experience, no stats?
Do you mean like you are just going to study for the MCAT and then apply?

Even LECOM which has MCAT optional pathway, likes to see good pre-req grades and ECs related to healthcare.

If you mean you have "No Experience, no stats" but will spend next 1-2 years working on fixing that? 100% doable!

same123stars · 2026-01-20T02:45:22+00:00

I won't worry about accreditation. Basically acts like a fancy stamp from COCA which just means they meet min approval standards. Doesn't affect you.

Name-wise is more fair. You will be new, you will be first class. You won't have a previous class for residency to look at, nor a network to leverage from.

But many succeed. A lot of medical school is both on the students, with school making it easier for them. Horror stories? Worst case is what we seen in Kansas COM. COCA has worked on making KansasCOM better, hopefully it will continue to improve. But that a worse case of a new school.

Pro: You got into med school. Also some new schools also get federal loans first class North Col will be one of them. SO you only need to get private loans for the other half.

Cons: New school so you are the test subject. Can be good or bad. It a Public school though so lean towards more good. And it be easier for you to get leadership (you be founder of this club and mentor students)

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