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Mandibularis

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  1. Mandibularis

    LOC's

    Unfortunately Canadian banks don't like to give out the max LOC to students going to the US or abroad. You can still use a collection of LOC + Canadian student loans + another possible LOC. I have heard of people getting two LOC's from different banks. It could add up to a solid 250-300K which may or may not cover your tuition+expenses in the states.
  2. I wouldn't worry too much what type of masters degree you choose. Most Canadian dental schools don't look at that, and focus mostly on grades, grades, grades. Whatever masters degree you choose, make sure it is something you can perform well in and get a good grade. Choose a field you think you'll be good at. As for the comment about going to the US instead, I would be careful about that...Tuition in the US is horrifying and is only increasing with time. The dollar conversion rate will kill you, and the living costs will also have a huge effect on your total debt when you're done. My dentist, who is also my family friend, told me several times to not dismiss the amount of debt I have as something negligible. As he always tells me, "the golden age of dentistry is over". You can still eventually pay off 400-500K of debt, but it's your choice. To me, that's a scary large amount of debt.
  3. I don't think there's a point on researching Canadian dental schools with your GPA unfortunately (unless you're willing to spend another 3-4 years in undergrad to boost your GPA). I would say looking into Ireland or Australia is a good option. As HopefulDDS mentioned, tuition and cost of living can be huge overseas, so I would really be calculative about that decision.
  4. Dear dentists out there, I'm a 4th year Canadian dental student, currently in a bit over 300k in debt. I pursued dentistry because of my interest in it and also because of the fact that it'll give me a comfortable and balanced life. I put myself in this huge sum of debt with the expectation that I will be fine, and once I start a job, I can start paying it off quickly. However I hear a lot of conflicting things out there, and I honestly don't know what to believe. Some people tell me I'll be lucky to make over 100k in my first year working in Canada, and others tell me that I can comfortably hit 200k first year out if I work full time (not overtime, but fulltime). I know that there's several factors like how many hours per week you work, how much you bill, where you work, how fast you are, etc. but there should be an average ballpack for a newly graduated dentist. I'm almost feeling hopeless about the fact that I've spent a decade in university, with the expectation of a worthwhile financial reward, only to come out with a huge load of debt that's going to take over my life for years and years to come. I expect to work in a Canadian city, full time (5 days a week). I am currently married and my wife is pregnant, we are expecting some time in February. So as you can imagine, finances do concern me. I have bills and responsibilities. If you're a dentist and you've landed a decent full-time job in Canada and don't mind sharing your experience financially, I would really appreciate honest answers on what to expect after graduation. Thank you
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