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I'm surprised it took to post 57 before Burnett's Law was invoked.
If you're acutely suicidal, and you're in your 50's, and you're an educated person in the healthcare field... I still wonder what we can do besides make resources available (which we already do), and tell people the signs to watch for (which we already do), and have education during residency (which we already do). We can't be with people every hour of the day, we can't give them constant hugs and reassurance (that's their family's job and their own inner sense of self-worth). So when that acute moment hits, either they have good coping skills and know where to turn, or they disregard all of the safety nets we have in place and choose to end their life regardless. So it goes. Bad stuff happens.
In general, short of the "I'm dying of a terrible disease anyways, so can we please stop the pain a few months/years early?" type of suicides, yes.Suicide = mental illness?
Are we really having a conversation about whether suicide because of your examples should be seen as something to be expected out of a rational individual with good coping and defense mechanisms?So basically, if you kill yourself for a reason that has recently become socially acceptable, that's not mental illness.
But if you do it for any other reason that is not socially acceptable (my wife left me, I have to declare bankruptcy, my mom kicked me out of the house because I'm gay, I'm getting bullied at school), that's mental illness.
I got kicked out of school. My spouse left me. I have locked in syndrome. One of these things is not like the other. One of these things just doesn't belong.No, we're having a conversation about why you have one specific example where good coping and defense mechanisms are not expected from a rational individual.
Because why? That's what I'm asking. Who's making the decision on what's serious enough? And why does severity correspond to mental illness vs no mental illness? People with mental illness don't have really bad things happen to them?
Why is this such a big deal? Some resident, who had access to the same helping resources we all have, chooses this as the answer to adversity. And I'm supposed to feel bad for him?
Sure, I feel bad for his family. And I feel bad for the other residents (who now have more call to cover, although they incurred this extra work when this guy was dismissed).
But I don't feel bad for him. And I certainly don't blame the program. Any more than I blame any other company who has an employee off themselves.
Some people have bad coping skills, and we can try and try to keep them from making bad choices. But at the end of it, they are the ones with a gun in their hands, a bottle in their hands, or whatever else. And if they feel that's their only option, so be it. It's one less person to have to devote limited resources to.
Here; I'll save you all some time.
You're a bad person; You don't care about people; You're a terrible doctor, You're cold callous and heartless; You're a mean and hateful person;
Just quote whichever sentence you think is most applicable.
<shrug>... life goes on.
Well... except for him.
Who said it was "such a big deal"? It was an event that occurred, and it was shared here in the general residency forum (not directed towards you). And, no one said you had to feel bad for him.
In real life, I'm sure you are good at pretending to feel bad since you are still employed in medicine (as we all are) where you are paid well to prolong the inevitable. You could've done that here...but I understand, in some juvenile way, it's cooler being a tough guy online. Or something.
The son messaged me directly requesting further info. All I could do was apologize...about this thread.
Pretty shocked by a lot of the comments here.
Some dude gets dumped by his residency program 3-4 months before finishing, kills himself and the predominant reaction is 'who cares'? For shame.
I sincerely hope many of you do not exercise this level of callousness in your day-to-day lives as physicians and physician trainees.
We do not know for sure that the victim was dumped by their program. There is nothing mentioned in the articles the OP posted.
They're very different scenarios. A rational person with good coping mechanisms can only bear so much, and can be broken by things such as torture or medical conditions that are, in many ways, worse than torture. You can get a new wife, you can recover from a bankruptcy, etc. Those things can be repaired in time. ALS doesn't get better. Every day, you will physically deteriorate until your body fails you, and every moment of your last few months of life will be an agonizing struggle to breathe, not choke on your food, etc. It isn't all in your head- it is a physical, objectively horrible disease process that does not get better and only ends with your death.No, we're having a conversation about why you have one specific example where good coping and defense mechanisms are not expected from a rational individual.
You could always, you know, leave the country. Set up a new life abroad, far away from FICO and the US government. You could also realistically declare bankruptcy, as you would be able to successfully demonstrate the two major conditions required for student loan debt to be discharged in bankruptcy court: First, you must not be able to repay your student loan and also maintain a minimal standard of living based on your income and your expenses. Second, your situation must likely persist for a significant portion of the repayment period of the loan. Finally, you must have made good faith efforts to repay the loans.If I was stuck with $300,000 principal loan debt accumulating $20,000 a year interest that is compounding and going up with zero way to pay it of, I would spend 1 full year enjoying life to the max racking up debt. Then I would take my life.
I say this with sound mind. If you find a job for 40,000 a year you cannot even pay the interest, your life will be garbage your bad credit will prevent you from even getting an apartment. You will never have a quality life. You will not be able to have or support a family. When you look at life it is all about the quality right? Grandma is on a vent again is that quality? Nope. Talk about a strangle hold and kicking a man when he is down. I would not hesitate to suicide or maybe have a huge life insurance policy and walk in front of a bus so my family is taken care of financially at least.
Why live my life on someone else's terms? Live it on yours. The only thing that gets you through the bad is hope, but with the way this world is setup especially in medicine they strip you of all hope. When hope is lost, what else do you have? We all have to meet our end some day.
It's like your posts are getting worse, even after knowing that his son who hadn't seen him in years was actively looking for him to find out what happened. I know you don't care, but your post sounds sociopathic.Correct. As with every other thread in all of these forums, I posted an opinion. Don't take it personally.
You're correct again. I'm good at projecting an air of caring in real life.
But I'm not getting paid to care here.
I don't get the notion that if I don't have a sense of compassion in this case (or any other given case) that somehow i'm being an online tough guy... as if this just isn't how I am. If I could get away with talking to people in real life the way I would like to, I would. It would get me fired pretty quickly because although it's not bad medicine, it's bad customer care.
"You came to the emergency department because 4 days ago you got a sunburn and you're demanding percocet? Are you f***ing stupid? Do you really think this was an emergency or are you just trying to waste my time? Get the f*** out."
Oh, that would make my day. But in this customer service era of medicine that's not particularly nice and not a good way to keep one's job.
Trolling on the internet is taking a stance with the intent of being inflammatory... just to rile people up for the fun of it.
This was just me, seeing a thread on a topic that comes up over and over and over, and taking the opportunity to speak my opinion on the topic without the usual customer service filter.
I liked how the thread evolved into a rather interesting discussion on whether all suicidality is mental illness or not; rather than the usual hugfests that these threads are often filled with.
Ok.
It's like your posts are getting worse, even after knowing that his son who hadn't seen him in years was actively looking for him to find out what happened. I know you don't care, but your post sounds sociopathic.
If I was stuck with $300,000 principal loan debt accumulating $20,000 a year interest that is compounding and going up with zero way to pay it of, I would spend 1 full year enjoying life to the max racking up debt. Then I would take my life.
I say this with sound mind. If you find a job for 40,000 a year you cannot even pay the interest, your life will be garbage your bad credit will prevent you from even getting an apartment. You will never have a quality life. You will not be able to have or support a family. When you look at life it is all about the quality right? Grandma is on a vent again is that quality? Nope. Talk about a strangle hold and kicking a man when he is down. I would not hesitate to suicide or maybe have a huge life insurance policy and walk in front of a bus so my family is taken care of financially at least.
Why live my life on someone else's terms? Live it on yours. The only thing that gets you through the bad is hope, but with the way this world is setup especially in medicine they strip you of all hope. When hope is lost, what else do you have? We all have to meet our end some day.
You could always, you know, leave the country. Set up a new life abroad, far away from FICO and the US government. You could also realistically declare bankruptcy, as you would be able to successfully demonstrate the two major conditions required for student loan debt to be discharged in bankruptcy court: First, you must not be able to repay your student loan and also maintain a minimal standard of living based on your income and your expenses. Second, your situation must likely persist for a significant portion of the repayment period of the loan. Finally, you must have made good faith efforts to repay the loans.
The thing about this guy though- he had no debt. He had been dismissed, but was otherwise fine.
The tax bomb is in no way theoretical. You will owe the IRS income tax on the amount forgiven. They will take your 401k, home, and property to get that money from you. You will very realistically be starting from scratch in your late 40s.There's other strategies too... Starting with IBR/PSLF for any public loans. You can't be liable for more than 10-15% of your income greater than 150% of the poverty line. If you got that $40k/year job, especially if you got it at a charity or for the government, you'd still be able to live reasonably comfortably. You won't even be in default of the loans. The tax hit 20 years later might be a problem, but that's theoretical at best.
If the loans are private, it gets even simpler. File a hardship petition and, assuming that the circumstances theorized above are true, the debt is pretty routinely partially or totally discharged.
Or if you do get behind and the above are not immediately available, there's a variety of ombudsmen and others you can call to work out a payment plan so you can get back into compliance and start the IBR/hardship/whatever process.
Or if you somehow become unable to work, getting declared disabled discharges all student loans. This is kind of a nuclear option though, because getting declared "totally and permanently disabled" is an expensive process with no guarantees.
Basically, while it is not impossible to theorize circumstances in which it might be rational to commit suicide... high student loan debt is not one of them.
Except that the program has been around for ~8 years, the earliest someone can hit the tax bomb is 17 years from now (given that in its early years it was a 25 year gig), and there have already been proposals before congress to get rid of the "tax bomb". So yes, it is real... except that it hasn't been yet and might not be in the future.The tax bomb is in no way theoretical. You will owe the IRS income tax on the amount forgiven. They will take your 401k, home, and property to get that money from you. You will very realistically be starting from scratch in your late 40s.
You shouldn't plan for what might happen. You should plan for what most likely will. Most likely, debt forgiveness will either be dropped altogether or the tax bomb will remain, as it's basically politically untenable to add such a huge item to the national debt, and has been for decades.Except that the program has been around for ~8 years, the earliest someone can hit the tax bomb is 17 years from now (given that in its early years it was a 25 year gig), and there have already been proposals before congress to get rid of the "tax bomb". So yes, it is real... except that it hasn't been yet and might not be in the future.
Google:
http://www.idealmedicalcare.org/blog/doctors-death-an-inconvenience-for-patients/
Pamela Wible picked up on it.
The tax bomb is in no way theoretical. You will owe the IRS income tax on the amount forgiven. They will take your 401k, home, and property to get that money from you. You will very realistically be starting from scratch in your late 40s.
To date, no one has used this program and there is already legislation in the works to limit the amount of forgiveness to under 60k.There's no tax hit on the PSLF. Ten years and the rest is forgiven.
To date, no one has used this program and there is already legislation in the works to limit the amount of forgiveness to under 60k.
I was looking into some of the provisions of COBRA in regard to student loan bankruptcy, and, as it turns out, they have a precedent for making terms retroactive in regard to student loans.It's my understanding the limitations will not be retroactive.
I was looking into some of the provisions of COBRA in regard to student loan bankruptcy, and, as it turns out, they have a precedent for making terms retroactive in regard to student loans.
If I was stuck with $300,000 principal loan debt accumulating $20,000 a year interest that is compounding and going up with zero way to pay it of, I would spend 1 full year enjoying life to the max racking up debt. Then I would take my life.
I say this with sound mind. If you find a job for 40,000 a year you cannot even pay the interest, your life will be garbage your bad credit will prevent you from even getting an apartment. You will never have a quality life. You will not be able to have or support a family. When you look at life it is all about the quality right? Grandma is on a vent again is that quality? Nope. Talk about a strangle hold and kicking a man when he is down. I would not hesitate to suicide or maybe have a huge life insurance policy and walk in front of a bus so my family is taken care of financially at least.
Why live my life on someone else's terms? Live it on yours. The only thing that gets you through the bad is hope, but with the way this world is setup especially in medicine they strip you of all hope. When hope is lost, what else do you have? We all have to meet our end some day.
Wtf is this? I guess the 20% of the world's population who lives on less than a dollar a day should go off themselves then...
The curse of being ambitions is the potential to fail and fail large. This isn't that part of the world in fact, the USA puts lien on your belongings, takes from your income, prevents you from getting housing, and frequently turns its back on individuals. It is a cold hard world out there when you don't have a mommy and daddy to bail you out. Ever live in shelter or on a park bench? Wonder why so many homeless have alcohol and drug problems? Lot's it is to dull the pain of the reality until they die. You cannot live a fulfilling life on $40,000 a year, have family, and pay off ~$500,000 student loans. Income after tax is about $30,000 to live on. You cannot even pay the interest. You cannot live on a dollar a day in the USA. You cannot compare a 3rd world country to the USA.
You could always, you know, leave the country. Set up a new life abroad, far away from FICO and the US government. You could also realistically declare bankruptcy, as you would be able to successfully demonstrate the two major conditions required for student loan debt to be discharged in bankruptcy court: First, you must not be able to repay your student loan and also maintain a minimal standard of living based on your income and your expenses. Second, your situation must likely persist for a significant portion of the repayment period of the loan. Finally, you must have made good faith efforts to repay the loans.
The thing about this guy though- he had no debt. He had been dismissed, but was otherwise fine.
I thought federal student loans are not affected by declaring bankruptcy?
They can be if you meet certain terms. Never being able to realistically pay them back and the loan payments causing substantial financial hardship are the two big stipulations. Pretty easy to meet those criteria with 400k+ in debt and have no real job prospects.I thought federal student loans are not affected by declaring bankruptcy?
They can be if you meet certain terms. Never being able to realistically pay them back and the loan payments causing substantial financial hardship are the two big stipulations. Pretty easy to meet those criteria with 400k+ in debt and have no real job prospects.
It's at the court's discretion. If you're working at Best Buy and are deep in six figures of debt from a Caribbean medical school with zero shot at a residency, it'd be pretty easy to prove, for instance. A medical degree with no residency is basically a worthless piece of paper.How can you meet those criteria and prove no real job prospects?
It's at the court's discretion. If you're working at Best Buy and are deep in six figures of debt from a Caribbean medical school with zero shot at a residency, it'd be pretty easy to prove, for instance. A medical degree with no residency is basically a worthless piece of paper.
Often times yes.
I dunno.. for some reason the phrasing there makes me sound like Voldemort... "this poster... (he who must not be named)"
I don't see it as too strong of a statement. I can't (and wouldn't) hospitalize a suicidal person for life. At some point they've got to have the inner fortitude to ignore the desire when they are alone. If they can't... then that's where it ends.
Nope, I'm just a person with an opinion. I may be wrong. I may be right. But my opinion is mine borne from my experiences, as yours comes from your experiences. Neither is wrong because we aren't debating a topic with a factual basis. We are discussing how we should feel about a topic. Why are my feelings about this topic somehow being portrayed as wrong? If you don't like them, then don't feel that way. But you aren't going to argue and make me feel any different about this topic.
My opinion and feelings come from my experiences of having family members kill themselves as well.
If I was stuck with $300,000 principal loan debt accumulating $20,000 a year interest that is compounding and going up with zero way to pay it of, I would spend 1 full year enjoying life to the max racking up debt. Then I would take my life.
I say this with sound mind. If you find a job for 40,000 a year you cannot even pay the interest, your life will be garbage your bad credit will prevent you from even getting an apartment. You will never have a quality life. You will not be able to have or support a family. When you look at life it is all about the quality right? Grandma is on a vent again is that quality? Nope. Talk about a strangle hold and kicking a man when he is down. I would not hesitate to suicide or maybe have a huge life insurance policy and walk in front of a bus so my family is taken care of financially at least.
Why live my life on someone else's terms? Live it on yours. The only thing that gets you through the bad is hope, but with the way this world is setup especially in medicine they strip you of all hope. When hope is lost, what else do you have? We all have to meet our end some day.
The curse of being ambitions is the potential to fail and fail large. This isn't that part of the world in fact, the USA puts lien on your belongings, takes from your income, prevents you from getting housing, and frequently turns its back on individuals. It is a cold hard world out there when you don't have a mommy and daddy to bail you out. Ever live in shelter or on a park bench? Wonder why so many homeless have alcohol and drug problems? Lot's it is to dull the pain of the reality until they die. You cannot live a fulfilling life on $40,000 a year, have family, and pay off ~$500,000 student loans. Income after tax is about $30,000 to live on. You cannot even pay the interest. You cannot live on a dollar a day in the USA. You cannot compare a 3rd world country to the USA.
Umm, the tax bomb is alive and well today, it's been around for years, and ironically it isn't hitting the rich doctors but rather the disabled who really have no ability to pay the debt or the taxes.Except that the program has been around for ~8 years, the earliest someone can hit the tax bomb is 17 years from now (given that in its early years it was a 25 year gig), and there have already been proposals before congress to get rid of the "tax bomb". So yes, it is real... except that it hasn't been yet and might not be in the future.
Umm, the tax bomb is alive and well today, it's been around for years, and ironically it isn't hitting the rich doctors but rather the disabled who really have no ability to pay the debt or the taxes.
http://mobile.nytimes.com/2014/03/2...r-a-tax-bill-from-the-irs.html?referrer=&_r=0
At least you can negotiate with the IRS if the tax debt is truly unpayable.
Problem is that you can't touch student loans with bankruptcy. They are immune to bankruptcy proceedings.the person in the article should have wiped out the student loans during bankruptcy rather than after- that would have gotten rid of the tax liability
Problem is that you can't touch student loans with bankruptcy. They are immune to bankruptcy proceedings.
Why is this such a big deal? Some resident, who had access to the same helping resources we all have, chooses this as the answer to adversity. And I'm supposed to feel bad for him?
Sure, I feel bad for his family. And I feel bad for the other residents (who now have more call to cover, although they incurred this extra work when this guy was dismissed).
But I don't feel bad for him. And I certainly don't blame the program. Any more than I blame any other company who has an employee off themselves.
Some people have bad coping skills, and we can try and try to keep them from making bad choices. But at the end of it, they are the ones with a gun in their hands, a bottle in their hands, or whatever else. And if they feel that's their only option, so be it. It's one less person to have to devote limited resources to.
Here; I'll save you all some time.
You're a bad person; You don't care about people; You're a terrible doctor, You're cold callous and heartless; You're a mean and hateful person;
Just quote whichever sentence you think is most applicable.
<shrug>... life goes on.
Well... except for him.
I have been following this thread...
To gloat about senseless demise of an underdog------exposes your inner thought process.
Some of the thoughts expressed are truly appalling and distressing. Its alarming that seemingly 'normal' psychopaths are roaming around as 'successful' doctors and in key decision making positions. To think they would be involved in assessing people in 'eye popping'.
Their heartless words prove they are living embodiment of 1984 , a society filled with dysfunctional, heartless robots ......the taxes, loans and interests have truly enslaved your minds and shackled you. To see the discussion drift to loans demonstrates the actual reasons for people becoming so insensitive. But it is still distressing how the victim was dehumanised just as a number and his adversity an inconvenience. The extent of callousness is reflective of much deep seated attitudinal issues. Even more distressing was people having a blase approach to how trivial the death ( of someone from their own ranks ) was treated...
People wonder overseas how can USA choose such a president....its no surprise, there is a small Trump inside in many people ....and it shows every now and then. A system doesn't regurgitate a dysfunctional person for the top job unless top people are indeed sharing the same values.
Thank you for showing your true self and exposing a face of your country which people had suspected but ignored for benefit of doubt.