Not me. A close friend of mine is applying.Are you planning on applying soon?
Not me. A close friend of mine is applying.Are you planning on applying soon?
I'll be down on Sept 25th too! Hoping there are still spots available...
There must be if there are still interview spots available.
Hey guys,
as predicted from the booming of US medical schools, by 2020, how difficult do you think it will be to match into FM/IM residency as an IMG from UQ? i'm worried about not matching, and staying in Australia is not an option due to their stringent requirements...
How receptive are the UK and Canada to an MD degree from UQ-O?
Unless you're a Canadian citizen/PR, Canada is out of the question. UK would require you to at least have an EU passport if you're not from the UK in your scenario.
Why are you on IBR (15%) but not PAYE (10%)?So I think I have finally figured it out. It is not quite as good as I had thought (should have known better than to get overly excited about what the person on the phone told me >:-o) but still an amazingly good option.
The one thing that screws me a bit is the fact that a few of my loans (the minority) don't qualify for the "New Borrower" status which allows you to pay only 10% of your income rather than 15%. To qualify:
"You are a new borrower for the IBR Plan if (1) you have no outstanding balance on a Direct Loan or FFEL Program loan as of July 1, 2014 or (2) have no outstanding balance on a Direct Loan or FFEL Program loan when you obtain a new loan on or after July 1, 2014."
And it has to be all or nothing, since you are effectively doing the IBR/PAYE option against all loans and breaking it up into 10% vs 15% makes no sense since it is based on your income, not the loan amount. So I am stuck paying the 15%.
It is in fact 15% (or 10%) off of the discretionary income which is calculated by subtracting 150% of the poverty guideline for the state you live in (refer here, but it is the same for all states except Alaska and Hawaii) based on the family size you list from your adjusted gross income (AGI). So for me, the poverty guideline becomes $23,895. My AGI gets calculated at $49,753.60 (those are the big bucks you get to enjoy as a resident; and actually Ochsner offers a very competitive salary). The other thing that I had gotten wrong was that they calculate your payment off of your entire W-2 (which is why I thought it should be off of half my salary rather than the full). They do it based on providing a pay stub, which is why they did it off my full salary. This doesn't negate the fact that you can get the first 12 payments for $0 based on the initial certification though now I am thinking it may be a clever loophole to get those to count towards the PSLF, unless they decide to retroactively decide that those payments don't count. I think it should be fine, but my next step over the coming weeks will be to send in the "PSLF check" request so I'll let you know if that is any different.
Anyways, there are ways to drive down your AGI which is something that should certainly be aggressively done, though the only one that seems to be worthwhile would be to put as much towards your Roth IRA. The bind of course is that the more you pay there, the less cash you have on hand to pay your towards your loan (which, incidentally cannot be done via credit card but must be done from direct debit of your bank account).
So as of now my payments would work out to:
$49,753 - $23,895 = $25,858 * 0.15 = $3,878.70 / 12 = $323.23 per month.
Had I qualified for the 10% plan, it would be $215.48 per month.
Now, when you recertify every year you need to submit a new pay stub only if you have had a "significant change" in your income. That definition is a little bit loose and vague though, so it seems reasonable that the pay raises you get each year during residency would not count. So that means my payments are fixed for a couple of years at least.
Here is some more info about IBR stuff that people will find helpful.
In doing more reading and research it seems that the real downside of going after this IBR/PSLF thing is you have to shoot the moon; in other words you need to do your best to finish out those 120 payments of PSLF. The reason is this: to qualify for an IBR type repayment plan you have to show partial hardship which is defined as having a loan payment that is greater than 15% of your discretionary income. So in my case, that means anything less than an income of $344,000 per year (this number will vary based upon how much loans you actually ended up taking out and the interest rates). To put that in perspective the median income for pulmonary critical care (which is what I want to do) is ~$385k. Once you no longer qualify, whatever interest you accrued while on IBR gets re-capitalized on the principle. So if you were to not qualify for the PSLF forgiveness you'd have a lot more to ultimately pay off.
The good side of this is that once you are in the IBR you cannot be disqualified from being able to make payments towards PSLF regardless of your income. It just means you'll have to pay the full amount per month. If you do make them as PSLF qualifying payments then you pay a lot less. If they don't count, however, then there are two ways to get the rest of your loans forgiven. You either pay them off entirely (which is still dumb) or you pay out the total number of years of IBR sans PSLF. Which, depending on exactly which plan you'd done will be either 20 or 25 years.
So to run a few example numbers (using my actual numbers as best as I can predict them.
So my first 12 payments were $0 (and should count but I'll have to double check that).
Next 24 payments will be at $323 = $7,752
From there I am planning on taking a year and working as a hospitalist to make money for a variety of reasons. I anticipate I can make somewhere between $162k and $252k depending on exactly what kind of gigs I can get and how much I can make myself work like a miserable nocturnal slave. So let's split the diff at $210k. I'd still qualify for everything and end up paying 15% of basically $200k which is $30k towards the loans. Here it will get a little messy for my because I only plan on working part of the year and can't be certain that I'll be able to have it qualify towards PSLF but let's assume worst case scenario that they don't.
Next will be fellowship. Looking at the resident/fellow salary report you can see that all the way out to PGY-8 the salary is only about $66k. Let's overestimate and make things easier and assume that all of the subsequent 5 years of my training will be at that rate and will qualify for PSLF (which it should).
So that is 60 payments at $526.25 = $31,575
So by 96 qualifying payments in (so not counting the year between residency and fellowship) I'll have paid ~$70k towards the loans.
Now let's assume that I finish after PGY-8 and make a salary that caps me out to my normal payment which will be different than currently, but should be roughly in the ballpark of $4,500 per month. At 24 payments left that totals $108k for a grand total of $178k paid.
Let's say that I instead managed to to out to PGY-10 and got those last 24 payments at that rate it would be a total of $85k paid. Of course, the difference is I would still have less total money in my pocket since I won't have that attending salary.
Either way, that is still a lot off the loans. Assuming the interest didn't accrue that would still save me personally (at least) $242k (and bring my total loan repayment down to what the average US med student takes out in loans). However, interest does accrue which means that over the course of the whole forgiveness it will actually save a minimum of $600k. Which is mind boggling to think about. Basically ~ 2 years of pre-tax income saved on loans over their lifetime.
For those curious about the calculation the interest accrues on your loans while in IBR just like they do while you are in school. It is a simple interest rather than compound. Then when you no longer qualify for the IBR payments the interest gets recapitalized on principle (that's what compounding is). This also happens when you transition from school to paying back your loans. My loans are currently at $418k (after all applicable re-caps to this point) and at an average rate of 7.75%. So I cut a couple of corners and did interest on $418k for 8 years, re-capped it, and then did 2 more years of interest.
If you don't finish the PSLF and have to do the 20 year repayment then obviously you'll end up paying somewhere around $450k more towards the loan before it is forgiven, which will basically only end up saving around $100k or so. Still better than nothing, but yeah. I have a lot of incentive to train longer and not get legally married. LOL.
I'll tell you though - this stuff is confusing. That is why I am writing out the process as I fumble my way through it here. I figure that it will not only help me understand it better but also help others as well. Also makes it shareable to anyone else anyone knows who may find it useful.
If anyone has anything else to add, corrections to make, or pro-tips you may have picked up, please share. I am sure we could all find it helpful.
Why are you on IBR (15%) but not PAYE (10%)?
Let's say if I have unpaid undergrad loans before 2014 in the amount of $50k, then that $50k won't qualify for PAYE+PSLF, but the loans that I borrow after 2014 will ??
This is very helpful. However, considering the cap of around $57K of the forgiven amount for new borrowers - those who get their loans for med school 2016 entry, the outcome will be very different. The forgiven amount will be much less than half of the accrued interest amount.So I think I have finally figured it out. It is not quite as good as I had thought (should have known better than to get overly excited about what the person on the phone told me >:-o) but still an amazingly good option.
The one thing that screws me a bit is the fact that a few of my loans (the minority) don't qualify for the "New Borrower" status which allows you to pay only 10% of your income rather than 15%. To qualify:
"You are a new borrower for the IBR Plan if (1) you have no outstanding balance on a Direct Loan or FFEL Program loan as of July 1, 2014 or (2) have no outstanding balance on a Direct Loan or FFEL Program loan when you obtain a new loan on or after July 1, 2014."
And it has to be all or nothing, since you are effectively doing the IBR/PAYE option against all loans and breaking it up into 10% vs 15% makes no sense since it is based on your income, not the loan amount. So I am stuck paying the 15%.
It is in fact 15% (or 10%) off of the discretionary income which is calculated by subtracting 150% of the poverty guideline for the state you live in (refer here, but it is the same for all states except Alaska and Hawaii) based on the family size you list from your adjusted gross income (AGI). So for me, the poverty guideline becomes $23,895. My AGI gets calculated at $49,753.60 (those are the big bucks you get to enjoy as a resident; and actually Ochsner offers a very competitive salary). The other thing that I had gotten wrong was that they calculate your payment off of your entire W-2 (which is why I thought it should be off of half my salary rather than the full). They do it based on providing a pay stub, which is why they did it off my full salary. This doesn't negate the fact that you can get the first 12 payments for $0 based on the initial certification though now I am thinking it may be a clever loophole to get those to count towards the PSLF, unless they decide to retroactively decide that those payments don't count. I think it should be fine, but my next step over the coming weeks will be to send in the "PSLF check" request so I'll let you know if that is any different.
Anyways, there are ways to drive down your AGI which is something that should certainly be aggressively done, though the only one that seems to be worthwhile would be to put as much towards your Roth IRA. The bind of course is that the more you pay there, the less cash you have on hand to pay your towards your loan (which, incidentally cannot be done via credit card but must be done from direct debit of your bank account).
So as of now my payments would work out to:
$49,753 - $23,895 = $25,858 * 0.15 = $3,878.70 / 12 = $323.23 per month.
Had I qualified for the 10% plan, it would be $215.48 per month.
Now, when you recertify every year you need to submit a new pay stub only if you have had a "significant change" in your income. That definition is a little bit loose and vague though, so it seems reasonable that the pay raises you get each year during residency would not count. So that means my payments are fixed for a couple of years at least.
Here is some more info about IBR stuff that people will find helpful.
In doing more reading and research it seems that the real downside of going after this IBR/PSLF thing is you have to shoot the moon; in other words you need to do your best to finish out those 120 payments of PSLF. The reason is this: to qualify for an IBR type repayment plan you have to show partial hardship which is defined as having a loan payment that is greater than 15% of your discretionary income. So in my case, that means anything less than an income of $344,000 per year (this number will vary based upon how much loans you actually ended up taking out and the interest rates). To put that in perspective the median income for pulmonary critical care (which is what I want to do) is ~$385k. Once you no longer qualify, whatever interest you accrued while on IBR gets re-capitalized on the principle. So if you were to not qualify for the PSLF forgiveness you'd have a lot more to ultimately pay off.
The good side of this is that once you are in the IBR you cannot be disqualified from being able to make payments towards PSLF regardless of your income. It just means you'll have to pay the full amount per month. If you do make them as PSLF qualifying payments then you pay a lot less. If they don't count, however, then there are two ways to get the rest of your loans forgiven. You either pay them off entirely (which is still dumb) or you pay out the total number of years of IBR sans PSLF. Which, depending on exactly which plan you'd done will be either 20 or 25 years.
So to run a few example numbers (using my actual numbers as best as I can predict them.
So my first 12 payments were $0 (and should count but I'll have to double check that).
Next 24 payments will be at $323 = $7,752
From there I am planning on taking a year and working as a hospitalist to make money for a variety of reasons. I anticipate I can make somewhere between $162k and $252k depending on exactly what kind of gigs I can get and how much I can make myself work like a miserable nocturnal slave. So let's split the diff at $210k. I'd still qualify for everything and end up paying 15% of basically $200k which is $30k towards the loans. Here it will get a little messy for my because I only plan on working part of the year and can't be certain that I'll be able to have it qualify towards PSLF but let's assume worst case scenario that they don't.
Next will be fellowship. Looking at the resident/fellow salary report you can see that all the way out to PGY-8 the salary is only about $66k. Let's overestimate and make things easier and assume that all of the subsequent 5 years of my training will be at that rate and will qualify for PSLF (which it should).
So that is 60 payments at $526.25 = $31,575
So by 96 qualifying payments in (so not counting the year between residency and fellowship) I'll have paid ~$70k towards the loans.
Now let's assume that I finish after PGY-8 and make a salary that caps me out to my normal payment which will be different than currently, but should be roughly in the ballpark of $4,500 per month. At 24 payments left that totals $108k for a grand total of $178k paid.
Let's say that I instead managed to to out to PGY-10 and got those last 24 payments at that rate it would be a total of $85k paid. Of course, the difference is I would still have less total money in my pocket since I won't have that attending salary.
Either way, that is still a lot off the loans. Assuming the interest didn't accrue that would still save me personally (at least) $242k (and bring my total loan repayment down to what the average US med student takes out in loans). However, interest does accrue which means that over the course of the whole forgiveness it will actually save a minimum of $600k. Which is mind boggling to think about. Basically ~ 2 years of pre-tax income saved on loans over their lifetime.
For those curious about the calculation the interest accrues on your loans while in IBR just like they do while you are in school. It is a simple interest rather than compound. Then when you no longer qualify for the IBR payments the interest gets recapitalized on principle (that's what compounding is). This also happens when you transition from school to paying back your loans. My loans are currently at $418k (after all applicable re-caps to this point) and at an average rate of 7.75%. So I cut a couple of corners and did interest on $418k for 8 years, re-capped it, and then did 2 more years of interest.
If you don't finish the PSLF and have to do the 20 year repayment then obviously you'll end up paying somewhere around $450k more towards the loan before it is forgiven, which will basically only end up saving around $100k or so. Still better than nothing, but yeah. I have a lot of incentive to train longer and not get legally married. LOL.
I'll tell you though - this stuff is confusing. That is why I am writing out the process as I fumble my way through it here. I figure that it will not only help me understand it better but also help others as well. Also makes it shareable to anyone else anyone knows who may find it useful.
If anyone has anything else to add, corrections to make, or pro-tips you may have picked up, please share. I am sure we could all find it helpful.
the $57k cap is just a proposal.This is very helpful. However, considering the cap of around $57K of the forgiven amount for new borrowers - those who get their loans for med school 2016 entry, the outcome will be very different. The forgiven amount will be much less than half of the accrued interest amount.
Yes! However, 14 years from now when it is about the time for the 2016 new borrowers to get some forgiven amount, the cap can be even less. Among all kinds of loans, student loans carry the highest or near highest interest rates - it is one of the few areas that the fed government actually makes money from. The policies towards students in the US are pretty hostile compared to other developed countries.the $57k cap is just a proposal.
we should try NOT to help it pass
that's because we Americans have kept electing leaders who don't represent usThe policies towards students in the US are pretty hostile compared to other developed countries.
Sanders hasn't a hope in hell -- swing voters don't vote socialist.that's because we Americans have kept electing leaders who don't represent us
we should start making it right by 2016 presidential election! (Vote for Bernie Sanders! )
Yes! However, 14 years from now when it is about the time for the 2016 new borrowers to get some forgiven amount, the cap can be even less. Among all kinds of loans, student loans carry the highest or near highest interest rates - it is one of the few areas that the fed government actually makes money from. The policies towards students in the US are pretty hostile compared to other developed countries.
For example, the fed student loan in Canada is interest free, and the general tuition costs in colleges are ridiculously low compared to what US colleges charge. In Europe, most college educations are simply free for their own citizens.
Only in the US, students are under greatest pressure of debt that lasts the majority of their working life. Therefore, I am not very optimistic about major policy change to make students life meaningfully better in the next 14 years. Obama's policy has been "pretty good" for students, but he can't do what he fully wanted. Soon a new president will be in the White House. In the best case scenario, the new president will have a policy as good as Obama's. In other words, the other 50% of the chances will give us a worse policy, i.e., a worse cap in the forgiven amount can be possible.
Some questions for current/former UQ-O students:
How are the rotations structured? What is your role on the wards? Do you have a clear role? Do you get your "hands dirty" a lot, or is it a lot of shadowing? How is Ochsner health system/hospital? How are medical students protected from scut?
How is Ochsner health system/hospital?
I guess I don't count as a "new borrower", either.
So... to confirm: with PSLF on IBR scheme, I will pay 15% of my income for 10 years then the remaining loans will get canceled as long as I work for a non-profit for those 10 years? No tax bomb or anything?
are the rotations at Ochsner done in a hospital with residents who are also doing their training there? in other words, do Ochsner rotations have GME?
how much of the curriculum is PBL and how much is lecture-based?
does anyone know:
- the passing grade for each class at UQ?
- whether exams are multiple-choice or short-answer or essays?
- whether they dismiss you for failing a class?
i did check their websites. i know the curriculum is integrated but idk how much of what components we have. i guess i can't tell until i actually experience itThe answer to all of these questions is easily discoverable merely by searching the web. Or asking MEP for their informational materials. Going to the Ochsner, UQ, and MEP websites and perusing them. It seems that someone interested in a program would at least minimally acquaint themselves with basic information about it. Brochure-type info.
Thanks. "Science-based Medicine" is a philosophy I adhere to Thrilled to know you've contributed to the siteJust noticed your sig @PhoenixFire - one of my favorite sites/blogs out there. I've written for them in the past and continue to do some behind the scenes stuff as well.
i did check their websites. i know the curriculum is integrated but idk how much of what components we have. i guess i can't tell until i actually experience it
4.6 Progression through program Unless approved by the executive dean, a student must not enrol for the subsequent years of the program until gaining credit for all courses in the preceding year. 4.7 Refusal of enrolment (1) A student who fails to pass all courses set for a semester will be cautioned that their academic progress falls below an acceptable standard. (2) Despite subrule (1), a student who fails to pass all courses set for a semester will be required to show cause to the associate dean (academic) why their enrolment should not be cancelled, if— (a) the student has been cautioned in any earlier semester within the program; or (b) the student has failed two clinical placement courses. (3) Despite subrules (1) and (2), a student will be refused further enrolment in the program if— (a) the student fails to pass all courses set for a semester and has been required to show cause in any earlier semester within the program under these rules; or (b) the student has failed three clinical placement courses; or (c) the student has failed the same course in phase 1 twice; or (d) the student has failed the same clinical placement course in phase 2 twice. (4) A student who is required to show cause under subrule (2) must do so no later than 20 business days after being required to show cause. (5) A student who is required to show cause is required to attend a meeting with the associate dean (academic). (6) Show cause applications will be determined in accordance with criteria set by the associate dean (academic). (7) A student who has been required to show cause may have conditions set on their reenrolment by the associate dean (academic). (8) A student will be refused further enrolment in the program if— (a) the student fails to show cause by the due date; or (b) the student’s show cause application is refused; or (c) the student fails to meet the conditions set on their enrolment by the associate dean (academic). (9) Withdrawal without academic penalty does not count as failure to pass a course.
The typical structure of each week during the first two years is a mix of lectures, Case Based Learning tutorials, Clinical Skills Coaching Sessions, and tutorials (for example, pathology) and laboratory sessions (for example, anatomy and physiology etc.)
Class contact: 4 Lecture hours, 4 Tutorial hours, 4 Practical or Laboratory hours; Assessment methods: Tutorial Assessment 5%, Mid-Semester Exam 25%, End-of-Semester Practical-Based Exam 25%, End-of-Semester Exam 40%, Weekly pre-reading test 5%
5.2 Course Grading
Grade X: No assessable work received.
Grade 1, Fail: Fails to demonstrate most or all of the basic requirements of the course:
Attains an overall mark of less than 35%.
Grade 2, Fail: Demonstrates clear deficiencies in understanding and applying fundamental concepts; communicates information or ideas in ways that are frequently incomplete or confusing and give little attention to the conventions of the discipline:
Attains an overall mark of at least 35% but less than 45%.
Grade 3, Fail: Demonstrates superficial or partial or faulty understanding of the fundamental concepts of the field of study and limited ability to apply these concepts; presents undeveloped or inappropriate or unsupported arguments; communicates information or ideas with lack of clarity and inconsistent adherence to the conventions of the discipline:
Attains an overall mark of at least 45% but less than the overall pass mark.
Grade 4, Pass: Demonstrates adequate understanding and application of the fundamental concepts of the field of study; develops routine arguments or decisions and provides acceptable justification; communicates information and ideas adequately in terms of the conventions of the discipline:
Attains the overall pass mark, but less than 65%.
Grade 5, Credit: Demonstrates substantial understanding of fundamental concepts of the field of study and ability to apply these concepts in a variety of contexts; develops or adapts convincing arguments and provides coherent justification; communicates information and ideas clearly and fluently in terms of the conventions of the discipline:
Attains an overall mark of at least 65% but less than 75%.
Grade 6, Distinction: As for 5, with frequent evidence of originality in defining and analysing issues or problems and in creating solutions; uses a level, style and means of communication appropriate to the discipline and the audience:
Attains an overall mark of at least 75% but less than 85%.
Grade 7, High Distinction: As for 6, with consistent evidence of substantial originality and insight in identifying, generating and communicating competing arguments, perspectives or problem solving approaches; critically evaluates problems, their solutions and implications:
Attains an overall mark of at least 85%.
End of semester exam
Type: Exam - during Exam Period (Central)
Learning Objectives Assessed: 1, 2, 3, 4, 5, 6, 7
Due Date:
Examination Period
Weight: 40%
Reading: 10 minutes
Duration: 120 minutes
Format: Multiple-choice, Short answer, Short essay
Task Description:
A 120 minute written exam consisting of 60 MCQ and approximately 60 marks of written questions (EMQs, SAQs, MEQ).
Part A (MCQ section) will predominantly cover the respiratory and renal modules, as well as any content from the cardiovascular module that was not covered in the intrasemester exam. Part B (written section) will assess the entire semester.
Thanks. "Science-based Medicine" is a philosophy I adhere to Thrilled to know you've contributed to the site
I wonder if UQ gives us the USMLE books or just lends them to us... http://mededpath.org/usmleoverview.html
when it says "Copy of First Aid for the USMLE Step 1 (Year 1)", does it mean that they'll only give it to us for 1 year?
1/ pretty high. I feel that my interview was not good but I got accepted.
2/ about 2 weeks for me.
3/ Watch the video they emailed you about the interview; that's basically everything!
There is no "default". You go online and sign up and pick either Skype or in-person interview.
here is the link to Skype interview info: http://mededpath.org/skype_private.html@Maruko and @UncomfortablyNumb they haven't emailed me any video about the interview or any list of questions! The only thing I have is a FAQs hyperlink about the interview saying that it tests 5 domains, i.e. resilience, professionalism, motivation to study medicine, etc but no actual questions.
So what do you think would be the best way to prep for it?
I went on the online scheduler and scheduled an interview but there was no separate scheduler for Skype vs. in person.
here is the link to Skype interview info: http://mededpath.org/skype_private.html
after you sign up, just follow the steps indicated on that link.
this is the only video you need to watch: http://mededpath.org/skype_private.html
focus on those 5 domains said in the videos ("i.e. resilience, professionalism, motivation to study medicine").
sorry i can't say more due to confidentiality agreement...
This definition of "new borrower" is different from what is written here: https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-drivenThe one thing that screws me a bit is the fact that a few of my loans (the minority) don't qualify for the "New Borrower" status which allows you to pay only 10% of your income rather than 15%. To qualify:
"You are a new borrower for the IBR Plan if (1) you have no outstanding balance on a Direct Loan or FFEL Program loan as of July 1, 2014 or (2) have no outstanding balance on a Direct Loan or FFEL Program loan when you obtain a new loan on or after July 1, 2014."
This definition of "new borrower" is different from what is written here: https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven
Current PAYE qualification is that you're a new borrower as of 2007 with loan disbursement after 2011.
The REPAYE program is coming and removes disbursement date & income limitations. This is still politics, as opposed to policy.
http://www.nytimes.com/2015/08/15/y...gram-will-reduce-student-loan-repayments.html
http://www.wsj.com/articles/educati...ded-student-loan-repayment-program-1436300209
For the IBR Plan, you are a new borrower on or after July 1, 2014, if you had no outstanding balance on a William D. Ford Federal Direct Loan (Direct Loan) Program loan or Federal Family Education Loan (FFEL) Programloan when you received a Direct Loan on or after July 1, 2014. (Because no new FFEL Program loans have been made since June 30, 2010, only Direct Loan borrowers may qualify as new borrowers on or after July 1, 2014.)
In addition to meeting the requirement described above, to qualify for the Pay As You Earn Plan you must also be a new borrower as of Oct. 1, 2007, and must have received a disbursement of a Direct Loan on or after Oct. 1, 2011. You are a new borrower if you had no outstanding balance on a Direct Loan or FFEL Program loan when you received a Direct Loan or FFEL Program loan on or after Oct. 1, 2007.
Hi all- first time poster here. Thanks to all the current and former UQ-Ochsner students who have posted here. It has been super helpful!
I am interested in the MD/MPH track. Can anyone familiar with the program touch on their perception and past students' experiences with the MD/MPH track? thanks
I'd like to know if UQ-O lists attrition rate for the American cohort (including those who quit due to personal reasons)....
A president is not able to make that much difference because there are resistence from the other parties and from the congress, and also from many influencial sectors in the society who treat education as a commercial endeavor. Regardless of who is the next president, it is almost guaranteed that there will be no dramatic change for the better - there might be slight improvements to make it look better politically, but not enough to counter the rise of interest rates and its compounding. Student loan interest is a major income generator for the government, and the government needs money more than anything else.that's because we Americans have kept electing leaders who don't represent us
we should start making it right by 2016 presidential election! (Vote for Bernie Sanders! )
Just out of curiosity, has anyone on here spoken to MedEdPath recently regarding how many spots are left in the 2016 class? Is it finally full? Are they waitlisting yet?
Fresh from my interview-they were tight lipped about remaining seats. But since there is another interview slot in October, safe to say some seats are still available.