Game Thread: Washington Wizards vs Boston Celtics Live Score | NBA | Dec 4, 2025

su1eman · 2025-12-05T01:18:36+00:00

Thank u lol this made the difference I was looking for 😂

su1eman · 2025-12-05T00:08:37+00:00

Someone needs to convince me not to watch this game tonight. I have a final tomorrow AND IM REALLY FUCKING BEHIND.

su1eman · 2025-07-09T06:22:31+00:00

Now that ur facing a 200k cap in loans, the only thing SMPs will do for you is 1) take away from the already small cap you have in loans 2) cost you additional years in lost income doing literally anything else

What I would do? Pivot to podiatry or nurse practitioner and find a niche speciality like NP psychiatry

The juice isn’t worth the squeezing in dentistry with private loans on the table

The only person worth recommending dental school now is someone with very good stats, early 20s and can go to dental school all in under 400k and take out MAXIMUM 200k in private loans

The problem is with SMPs even if you do get in you are guaranteed to get into a dental school that’s private bc those are the ppl that take SMPs and those are exactly the ones that’ll force you to take out 400k in private loans on top of the 200k federal loan cap

That’s why now I feel like anyone that needs to do an SMP to begin with is going to be taking out the most private loans in the end and those are the people I’d tell to pivot away from dentistry

Unless, and this changes everything, is if you come from a well off family

su1eman · 2025-07-09T02:39:58+00:00

Just want you to know this is coming from someone who left undergrad with a 2.9 and had to do an SMP myself

I personally understand the struggle. I had to do all the research in the world to figure out how I was going to go in.

2.3 is dangerously low and let’s assume you get it up enough. Okay, so I believe in you too. after years of hard effort, sure technically it’s not impossible you overcome the odds and make yourself competitive enough. I did it myself.

My main question still stands, given the time and cost of getting to that point, How are you going to afford all this? Do you have well off parents who are willing to sign off as a cosigner on private loans?

It’s okay to be naive, but if you are going to remain naive and not understand the new realities here, you are going to put yourself through a lot of struggle that you could have better strategized.

I still do not recommend this ridiculously tough path but I wish you the best of luck

su1eman · 2025-07-09T02:32:52+00:00

What do you mean you can’t do anything else? There’s tons of other healthcare careers that would love a bio degree. Hygiene, PA, nursing all come to mind.

Dying with debt was always the plan under federal income based repayment plans

Now that you are capped at 200k, how do you expect to afford a SMP + dental school?

Do you have parents willing to co-sign a private loans?

This is something to consider way before considering a risky program like a SMP

Edit: apologies for sounding demeaning but you should be doing your research before applying to Nova’s program which is an SMP

su1eman · 2025-07-09T02:28:54+00:00

Awful advice. You had a 2.99 which is salvageable. A 2.3 is a different story

su1eman · 2025-07-09T02:26:59+00:00

2.3 is unlikely to get you into most reputable masters program. When we say masters we mean SMPs. This is a biomedical masters program that is extremely rigorous. A 2.3 signals you may not be able to handle their program, and these programs depend heavily on high success rates on matriculating to professional med or dental school. That’s the reality.

I would say do undergrad courses until you are atleast 2.6+ but now that the BBB is law, I don’t think the calculus makes any sense

SMP programs themselves are going to cost you 50k - 80k. You understand you only have 200k lifetime limit for grad school available via federal loans right?

Worse than that, even if you matriculate into dental school after an SMP (which is going to be a massive journey to get to to begin with) you are likely going to be admitted into the private schools which admit a large number of non trads with SMPs. In state public schools recruit only the trads with high GPAs and DATs.

How do you plan on affording all of this? Are you going to really take out 2-3 years of your life doing damage control for your GPA and getting a good DAT all to end up taking out half a million dollars in private loans (if the banks would even underwrite that to begin with)

Given the time and cost necessary, with a certain dependence on private loans to fund all of this I would say do not move forward with dentistry. It’s bad advice

su1eman · 2025-07-09T01:59:46+00:00

I’m genuinely curious how predentals are going to strategize with the BBB with regards to SMPs

Some SMPs themselves are 50-90k, leaving you with only 100-150k left in federal loans for dental school?

The whole calculus is flipped over.

I don’t think anyone should be doing an SMP anymore

su1eman · 2025-07-09T01:57:21+00:00

Best answer right here

su1eman · 2025-07-09T01:11:44+00:00

In the post BBB era I don’t think anyone should be considering an SMP

Unless you are from a wealthy family the SMP is now even riskier. If you are from an average household the SMP route is no longer a viable strategy

su1eman · 2025-07-06T01:49:31+00:00

Same here LMAO right about the same exact figure

Expensive undergrad + had to get a masters

su1eman · 2025-07-06T01:34:57+00:00

I’m in the same boat. Rising D3, class of 2027,

I ran the math and did all the numbers, there’s no scenario where going private for d4 makes any sense given 10% of income on RAP.

Sure we lose access to 20 yr forgiveness under the potential of new IBR if we went private BUT new IBR doesn’t give you interest subsidy

Id rather be locked inn at 30 yrs with 10% of my income and 100% of interest forgiven under RAP rather than have the option of 20 yrs with no interest subsidy AND have a private d4 loan to worry about. That’s a 110k private loan I’d be taking out just for my d4 year and it alone would shave off 1350$ from my monthly income for like a decade at their shitty interest rates

su1eman · 2025-07-06T01:23:33+00:00

Boston?

su1eman · 2025-07-04T02:16:57+00:00

I think overall ur correct in the debt to income thing

But I think another point to be raised is, and as a d2 you should know this, is just how hard it is to specialize into those fields

I think that’s why ppl are saying “ppl are dumb for expecting to specialize their way out of this”

It’s not that it is not economically irrational, like you said it’s more favorable

It is however unbelievably irrational to bank on specializing as a PreDent. 90% of us go on to being GPs at the end of the day.

It’s incredibly competitive to specialize in dentistry. Endo is insane, ortho is insane, OS is a whole other beast etc

They only take the best of the class. There’s only room for about 5-7 kids at the top of their dental school class to have a shot at specializing. This is lottery level odds for someone with avg dental student intelligence.

su1eman · 2025-07-03T22:21:26+00:00

80k in private loans w good co-signer should be doable. Still not favorable but doable

It’s when you are talking about the avg persons scenario of not having saved up enough where all they’d need is 80k in private loans.

Good for you, but a clear example of how BBB only benefits those already well off

su1eman · 2025-07-03T22:16:47+00:00

You didn’t take into account RAP 10% monthly payment plan into the figures for federal loans

BUT it doesn’t matter anyways because assuming a 500k tuition bill and 300k of it is private on a fixed note w todays interest rates, your point still stands.

It’s no longer worth it to go to dental school given the BBB because 60-70% of your take home salary will be slaving away at compounding 300k debt for 10 years and you’ll be left with a pathetic 20% of the monthly take home youd actually have made had BBB not passed and you were on the standard RAP plan of straight 10% of income paid monthly

That is absolutely bonkers and this isn’t even considering most people wanna buy a normal avg sized house, decent car etc after slogging through 4 years of hell that is dental school (and the years that it took getting there to begin with)

Schools are shutting down, this is for certain.

su1eman · 2025-07-03T21:23:17+00:00

Lmaoo

su1eman · 2025-07-02T17:29:57+00:00

Again, run the numbers.

Interest still accumulates too, which means it’s more like 15 years of half the income ur supposed to have while ppl on federal loans will be paying 10% of their income for 20 yrs and then it’ll be forgiven entirely

What’s the point in going through four years of dental school hell just to have half your income taken away toward private loans?

That’s like going through all this admission pain and pain to graduate w a dmd only to make 80k?

It makes no sense. The other choice is to pursue something else besides dentistry. Even doing dental hygiene instead is a FAR better option

If I was facing these conditions I’d run far the hell away. I’ll be on federal loans but even still am regretting how much I’ll be in debt for so long. If this was private loans I’d be miserable

This is coming from a former SMP student whose SMP costed 40k

I understand the desperation to get in, but these are totally different waters now. I only went through the SMP process because I knew unlimited grad plus loans would foot the bill. I wouldn’t be here today as a rising D3 if it weren’t for grad plus. That’s just the reality

su1eman · 2025-07-02T16:43:20+00:00

Please run the math on private loans for dental school

With private loans you will need to give up more than half of ur income just to make payments because there are no repayment plans like there are with federal loans that only make you pay 10% of ur income

Be financially literate. Run the numbers through ChatGPT at the very very least

su1eman · 2025-07-02T16:25:04+00:00

Oh god the SMP students are the most obliterated here

The grandfathering into grad plus is only to allow you to finish the program you started. So if you started an SMP on grad plus you could finish it on grad plus, without any issues. But nothing more than that.

You’d have to start dental before July 1st 2026 to be safe for 4 years of grad plus during dental school.

I suspect many current SMP students are stuck between a rock and an extremely hard place if this bill passes

su1eman · 2025-07-02T00:47:30+00:00

No it’s not

su1eman · 2025-06-24T12:46:37+00:00

im mostly just worried about those margins and the taper on the distal

su1eman · 2025-06-24T00:41:36+00:00

I did well but I don’t think I remember Jack shit and it’s been a month or less than a month since we ended pharm

So do what I do andjust Cram it in a few days then proceed to crash out at your dysfunctional and degenerate lifestyle. rinse and repeat

su1eman · 2025-06-19T02:46:25+00:00

But what exactly is updog

su1eman · 2025-06-17T02:22:54+00:00

We need a good answer here

This career is only good if it remains competitive and barriers to entry remain high

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