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Started By
Message
re: Capping graduate loans to 150k
Posted on 7/3/25 at 7:04 pm to SmackoverHawg
Posted on 7/3/25 at 7:04 pm to SmackoverHawg
My wife did 12 hour days and came home to do research lmfao. People think this is like undergrad
0
Posted on 7/3/25 at 7:04 pm to fareplay
quote:
So if you were underwriting a 21 year old for 300k in medschool debt as private lender, how would you do it?
I wouldn’t and they won’t, the system will adjust itself. They have a lot of DEI candidates who will never practice taking up slots, yet the schools keep getting paid.
Posted on 7/3/25 at 7:07 pm to rltiger
So tell me again how this doesn’t limit lower to middle class from being doctors
Also people keep saying dei like you guys think it’s 50% dei? So dumb
Also people keep saying dei like you guys think it’s 50% dei? So dumb
This post was edited on 7/3/25 at 7:08 pm
Posted on 7/3/25 at 7:08 pm to fareplay
quote:
No but then you have to see it from the private lender pov. What would the rates and acceptance look like for someone with no support / co-signer 21 year to take out 300k plus
Yeah I was really just asking a genuine question. All student loans seem predatory but I understand there is a lot of risk involved for lenders without money printers.
Posted on 7/3/25 at 7:09 pm to 4cubbies
No I get it. I used to underwrite after college and I just don’t see a way
Posted on 7/3/25 at 7:10 pm to fareplay
Tuition has been inflated due to the availability of massive loans. Time to reign in tuition.
Posted on 7/3/25 at 7:13 pm to fareplay
quote:
Medschool wasn’t 400k when you were school age
Maybe cut out the administrative bloat and that cost will come down. Seems some of you lack the intelligence to understand that instead of pumping more money into something that doesn't work, you can also cut back money until things are done more efficiently.
Posted on 7/3/25 at 7:14 pm to 1loyalbamafan
quote:
My nephew made it to masters then doctorate after graduating and never had to borrow or take out a loan.
There is a world of dollar difference in getting a doctorate and an MD.
The average MD program runs around $60k/yr. That $240k for those of you playing along with the home version.
Posted on 7/3/25 at 7:14 pm to fareplay
quote:
Bro even if you’re dei doctor you’re still a doctor and are proficient enough. Have to remember these deis are still top of most classes
DEIs are not the tops of the class. Many are unprepared and are still admitted. Quite a few are failing, yet the schools keep collecting tuition, giving them leaves of absence, having them repeat the year. It is a huge issue.
Posted on 7/3/25 at 7:15 pm to Clames
quote:
Seems some of you lack the intelligence to understand that instead of pumping more money into something that doesn't work, you can also cut back money until things are done more efficiently.
Fascinating reply on the day the BBB passes.
Posted on 7/3/25 at 7:21 pm to the808bass
quote:
The average MD program runs around $60k/yr. That $240k for those of you playing along with the home version.
Not to mention our interest was paid by the gov't until we were 6 months into practice. Even then they paid half of the interest. You're free and cheap labor for a minimum of 7 years. Obama did away with subsidizing the "rich doctors". Med school tuition exploded, interest began accruing day one under him. Many quality students no longer saw the reward being worth the investment in both money and time. Say good bye to your 20's and half of your 30's or more depending on specialty. More and more DEI's are filling the spots with minority scholarships. They've had to make med school and boards pass/fail. Starting pay for new physicians is relatively unchanged from what it was 20 years ago and the top end is much, much lower. From a financial standpoint, going to medical school now is one of the worst investments you can make.
Posted on 7/3/25 at 7:22 pm to SmackoverHawg
97% of scholarships is a month of rent baw
This post was edited on 7/3/25 at 7:23 pm
Posted on 7/3/25 at 7:24 pm to rltiger
quote:
DEIs are not the tops of the class. Many are unprepared and are still admitted. Quite a few are failing, yet the schools keep collecting tuition, giving them leaves of absence, having them repeat the year. It is a huge issue.
True. I started with 15 and 4 fall backs. Only 3 eventually finished, only two of those made it through residency and those two have both lost their license. There may be one or two that made it successfully through later classes after repeating years, but few if any.
Posted on 7/3/25 at 7:26 pm to SmackoverHawg
quote:
True. I started with 15 and 4 fall backs. Only 3 eventually finished, only two of those made it through residency and those two have both lost their license. There may be one or two that made it successfully through later classes after repeating years, but few if any.
Really convincing anecdote.
Posted on 7/3/25 at 7:30 pm to fareplay
quote:
So tell me again how this doesn’t limit lower to middle class from being doctors Also people keep saying dei like you guys think it’s 50% dei? So dumb
Since the beginning of med schools, lower and middle class people were admitted regularly, until the government got involved. Now the loan albatross, along with the government involvement in insurance and payments, scare people away. It will correct itself.
10% DEI is too many. It should be heavily merit based.
Posted on 7/3/25 at 7:31 pm to fareplay
The world needs ditch diggers too.
Posted on 7/3/25 at 7:33 pm to fareplay
Odd program to melt over.
Posted on 7/3/25 at 7:36 pm to fareplay
quote:
Capping cost is not very capitalistic.
Why not cap home prices? Rent control? Gas?
They want free market capitalism?
Cool, go fully private. No Pell grants. No GI Bill. No federal research funding. Let’s see how long they last.
But other schools offering the same degrees will get tax payer funding
If they don't like it, they can GFTS or open a school in Mogadishu
Posted on 7/3/25 at 7:37 pm to SmackoverHawg
quote:
True. I started with 15 and 4 fall backs. Only 3 eventually finished, only two of those made it through residency and those two have both lost their license. There may be one or two that made it successfully through later classes after repeating years, but few if any.
These people are lied to and many borrow significant amounts of money, never to be able to pass their classes, let alone their boards. It’s criminal, these admission departments and schools should be held accountable.
Posted on 7/3/25 at 7:38 pm to fareplay
quote:
Undergrad 21 Med 25 Residency ~29 depending Fellowship ~33 depending (some can be up to 40) Imagine you had to do this with a job, who would want to stay in debt for 15+ years before they earn real money
You are exaggerating a bit. I have experience with this multiple times with my kids. You get paid a livable wage during your residency and fellowship(which is optional). Most residencies are 3-4 years(a few are 5-7 years) and the majority of doctors don’t do fellowships. Also, there is this loan forgiveness program called Public Service Loan Forgiveness (PSLF). After 10 years of working in a non profit, which most hospitals or clinics are, your government loans are forgiven. Your years of residency and fellowship count towards these 10 years. A medical school degree from any US medical school is extremely valuable. It can be traded for a lot in this country and around the globe. I’ve even had a friend who had her entire loans paid off because she served in an area badly damaged after a hurricane. The hospital paid them off in exchange for a 4 year contract.
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