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Found 5 results

  1. Hi all, I think I had posted about this before, but I'm looking for a bit more advice. I'm currently in PGY-3, in a fairly expensive city to live in. I'm around $205 000 total debt, although I've got my tax return coming and some additional research funds that should drop that to just below 200 000. I'm looking at likely another 3 years of training, although I should be able to and am very motivated to do quite a bit of moonlighting. And of course, I do have the royal college exam fee coming up, which would be another $5k next year that I'll have to budget for. I'm wondering whether other people are willing to share their experience with this debt level? Is it increasingly common these days? Any people willing to talk about how easily/difficult it was to pay off once they started moonlighting/working as a staff? Do people ever stress out over this and how do you deal with it? Thanks guys!
  2. Get a jumpstart on your Med School finances and keep your $$$ in check! The Canadian Medical Association and MD Financial Management will be holding webinars preparing new medical students for the financial burden of medical school. Our presenters will briefly introduce the Canadian Medical Association and MD Financial Management and then will dive into some of the money matters you may face during medical school: Options for financing your education The ins and outs of credit cards, lines of credit and student loans Setting and managing a budget How to effectively manage any med school debt you take on Investing, insurance and more English https://www.facebook.com/events/117316735504103/ (registration link on Facebook page) May 17th, 2017 8pm EDT / 5pm PDT French https://www.facebook.com/events/615257568667333/ (lien pour les inscriptions sur notre page Facebook) 23 Mai 2017 20h HE / 17h HP
  3. http://www.omsa.ca/news/2016/3/23/press-release-re-changes-to-postsecondary-student-financial-support-in-ontario "Most problematically, access to the OSG will be limited to 4 years of eligibility. Each year a student has previously received Ontario Tuition Grant support will eliminate one year of OSG eligibility. The 4-year limit will immediately exclude many medical students. Unfortunately, the excluded medical students will be those whose financial situation is dire enough to have required grant funding for their (much cheaper) undergraduate education. These students become the medical students most in need of support. Prohibiting their access to the OSG program may threaten to increase the debt load of this key demographic. " There's no details yet as to how this is exactly going to work. But, from what I read, if you USED the OSG in the past, you may be limited since you can only use it for up to 4 years. However, 30% off tuition, if eligible, makes a big dent in the med school debt ( about 8k a year). Have you guys heard anything about this? What do you guys think?
  4. Can anyone comment on the options available to them for mortgages during residency? The rent-vs-buy debate aside, has anyone explored the options through the big banks or brokers? I'd be particularly interested to know how pre-existing debt on a med-student line of credit affected your options (size of the mortgage, ability to go with a mortgage broker vs. having to stick with the institution providing the LOC) Thanks!
  5. Okay so I don't know who to talk to about this... I'm currently in my second year of medschool and I have 3 years left until graduation. Now my parents dont really have much money so I'm paying for everything on my own using student loans from the government and the credit line offered to medstudents. The fact that Im accumulating debt makes me feel really uneasy, but I was always able to deal with it by telling myself that I have no choice, its all essential expenses and its okay. I have to live somewhere! I need food to live! But its summer now and there's also the question of time... This is one of my last summers before residency and all that follows. I realize I only have 2 summers left including this one. And I want to travel, I want to travel more than anything... It makes me so incredibly happy. But that means adding more money to the debt and it makes me sososo anxious. Travelling isnt cheap! It actually costs almost as much as a semester here (Quebec). Im so conflicted, What is the right thing to do here?? I know how precious this time is, but Im still so afraid to spend money I dont have right now. Any helpful advice? What do you guys think?
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