operationMD

Posts Tagged ‘nervousness’

Financial Aid Woes

In applying to med school, Finances, medical school on March 10, 2010 at 8:18 pm

Thanks to some pressing from my mom, I went ahead and filled out the much dreaded FAFSA last night.  Eyes got crossed a few times flipping through the pages of lines on the forms for my mom and me (yes, she makes me do hers instead of her filling it out).  Finished that sucker relatively fast (haven’t completed one in about 2 years, but I swear it took ages before to do) and submitted last night.  I’m happy to say that it’s already been processed and sent out to the designated schools – one step closer to becoming an official medical student 🙂

Then, something told me to go look at the financial aid websites for the designated schools to see what was due next.  Good thing I looked too, as some have forms due on the 15th (as in Monday!) if you want to be considered for need-based money…and who doesn’t want some of that?  So, I opened my Word document and created a nice little color-coordinated timeline (yes, I have a slight obsession with color-coordinated items) of what’s due for each school and when, with links included where pertinent.  Then, I started reviewing suggested budgets for each school. That’s right about the time I felt my heart sink a little, then stop completely, then rapidly recharge to a pulse far exceeding my normal resting rate.  The schools range in price from about $56k (in-state) to $70k (private). Personally, I feel swindled that our in-state price is that much, for a crappy and dangerous city to live in too. Why can’t we all be like Texas? What’s their tuition, like $8k per year – absolutely ridiculous and unfair…that needs to be regulated or mimicked. Seriously, what is that state doing so well that they can provide professional education for that price. Perhaps other states need to start modeling their system…

Anyways, back to my lovely little state.  Supposedly, state-wide budget cuts are hitting our state school system hard. Librarians are being fired, libraries are being “closed” and restructured into “media rooms” literally the size of a room. Rumor has it that the licensure people came around this week and weren’t too happy with what they saw.  Now, I will state that this is just hearsay and, as of yet, as no truth to it. However, I think it says something that this rumor has sustainability because of the status of the state and it’s medical schools.  Not a good look, Jersey…puts at least one little check under the cons column for your list in my book.

I went into this process stating that money would not be a consideration. In retrospect, maybe I went into this process a bit wide-eyed and bushy-tailed. I was all about “fit with the school” and “personality of the student body” rationalizing that since I lacked undergrad student loans, I had a little room for give in terms of financial aid. Now…as I stare down that long, dark, barrel of debt, I’m wavering a bit in my stance.  I don’t think it helps that somehow I am just now realizing how much my 12 month post-bacc program cost, smh. When I factor in the price of obtaining an MPH as well…I get slightly overwhelmed and start getting so nervous that I reach the point where I embrace debt and do not care anymore.  I pray that God will work a financial miracle in this situation.  I pray that the financial aid offices will take pity on my soul, and award me a very nice package. I would also love some scholarships – I know they’re hard to come by, but a girl can ask and pray, right?

Actually, when I started receiving acceptances, I prayed that God would show me the school he wants me at based on their financial aid offers. Now that the time is approaching for those packages to be unwrapped, all I can say is, “Yikes!!!” While I still stick by that, I am nervous and am anxiously waiting to see what happens in these upcoming weeks. Keep me in your prayers!