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toothurty

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Posts posted by toothurty

  1. I don't want to give anyone false hope but this seems like a good waitlist year to me. Waitlist has already moved 20 spots and there's still 2 months of summer left. In my year most of the waitlist movement happened after the second deposit was due in early August and total movement ended up being in the early 30s. 

  2. 5 hours ago, hurcun101 said:

    @Maggiie19 I am well awarer of that! I was referring to the waiting period BETWEEN the Canadian and American DAT. 

    Dude chill. The American and Canadian DAT are completely separate entities, one is administered by the CDA and the other by the ADA. You can write them back to back if you want. 

  3. 1 hour ago, AncientDentist said:

    To add on to what Zaandrei said, and I think I've mentioned my perspective on this in a different thread, but LOC should honestly be the least of your worries. The interest on your LOC is actually comparable to some mortgage rates, and you see people take out sizable mortgages of upwards of 700k these days in Toronto and often they're making nowhere near a dentist's salary. It's all about your priorities and how you choose to budget your income after you graduate. You often see people post about how long it is gonna take them to pay off their debt and making statements like "for 10 years you'll be living off a nurse's salary because of your LOC payments, etc." I honestly could not agree less with this perspective. If you choose to rigorously pay off your debt, it's because YOU'VE prioritized paying off your debt over other things you could have chosen to spend your money on. Let's say for the sake of argument you're paying 15k interest on your debt per year and you choose to never pay down the principal (not something I advise, but for the sake of argument). Meanwhile however, you're putting your extra money into CE, a home or practice purchase, other investments, you name it. You may see the return on your investment is much greater than the 15k your throwing at the bank. No one's situation or priorities are equal however, you may be the type of person who hates debt and wants to retire at 40, so you decide to live frugally and pay off your debt in a few years and focus on retirement savings. You may one day own 15 clinics and look  back at your 300k debt as trivial. Heck, I know a dentist who spent another 100k after dental school on an MBA and I know he isn't hurting at all for money.

    Obviously living financially responsibly is a skill you want to maintain through dental school and the rest of your life, but in my opinion, if dentistry is what you're choosing to do, commit yourself fully to it and don't give the debt a second thought.

    Completely agree with this perspective. We're lucky to be going to school in Canada. I feel bad for the American students in the states paying 300-500k usd for dental school with federal loans at 7-8% with who knows how much undergrad debt and then going to work 9-5 at a corp ... 

  4. Being on the waitlist sucks, I know, but just be patient, stay positive and hope for the best. Keep your mind occupied or else you will drive yourself insane worrying about waitlist movement. It's still really early lots of movement left to happen. Even after med acceptances there are still people that don't drop their spots until the very end of the summer because they are either too lazy or want to keep their options open lol. If only dental schools had a centralized application system like med schools do...

  5. Almost no one works during dental school, there's no point. I know one girl in my class worked a bit on the weekends in first year but I'm not sure if she still does. The amount you would earn from a part time job would not even be enough to cover the interest on your loans so it's really not worth it when dental school itself is already more than a full time job. To minimize expenses, live with roommates, try not to eat out that much (easier said than done in Toronto lol), see if family can contribute anything. Going to UofT the biggest expense is not really the tuition, yes it's one of the more expensive schools in Canada but a $200k debt load shouldn't be hard to pay off as a full time dentist especially with LOC interest rates being around 2.2% right now lol. The expensive part of going to UofT is the living expenses. Working rural, going into a specialty, or working in the states are all things you could do to maximize your income later on but that might not be everyone's cup of tea. Also if you feel like you might want to switch to med after 2 years I would highly reconsider going into dental school now and set your sights on medicine. You DO NOT want to be 100k in the hole and then realize actually you dont want to be a dentist...

  6. 3 hours ago, member_225 said:

    That's not entirely true, Australia's schools start in February so a graduating high school student will wait 8 months before being able to start. Then they wait 3 months after graduating dentistry before receiving their NDEB results so really it takes 6 years after high school to complete everything. It only really makes sense if you know you won't get in after 4 years of undergrad and you would have to complete additional schooling for a chance at a Canadian school, but no one knows that in high school. I would recommend working hard in undergrad and trying your chances in Canada. 

    Idk I knew I wanted to be a dentist since the start of high school. If I had the financial means at the time I would have much rather went to Australia and done dental school in 6 years rather than grind through 4 years of undergrad here in Canada and go through the whole process of applying to dental schools here with my life's dreams on the line. Don't get me wrong, I am so happy I got into UofT but I think if people have the means (i.e. wealthy parents) might not be a bad idea if you are passionate about dentistry. 

  7. 7 hours ago, SamR said:

    I went with RBC because the infinite grace period is awesome, and I think the advisor told me we keep the LOC for the rest of our life, so if you needed that money to invest in something down the line its always available.

    Advisor told me the same thing. LOC stays open as a professional loc which you can use for whatever you want. 

  8. On 4/18/2020 at 7:46 PM, cleanup said:

    There are big clinical education changes coming to U of T in the coming years (the way upper year students see patients will be greatly altered; patient distribution may be addressed too). So it's a bit of a question mark there.

    Are these changes for the better or do you see it being a potential detriment to student learning?

  9. OP, the reason you feel overwhelmed is because you have no context for all information you are compiling right now. It is really hard to know which specialty would be good for you before you've even picked up a hand piece. Sure, you may have an idea of which specialties interest you but until you start to learn about each one in dental school all you're going to do right now is overwhelm yourself. 

    10 hours ago, LucyK said:

    Thanks, that seems to be the general consensus I'm hearing. But I wish there was something I could read about the different paths after dentistry like opening a successful practice, working as an associate and tips for after dental school. I feel like just getting a global idea is good (I definitely know its better to wait until school to learn about the specifics of the different specializations). I would greatly appreciate any input!

    The resources you mentioned already are pretty good for this stuff (SDN forums, dental town, face book groups, podcasts etc.). If you're feeling overwhelmed, again it's because you don't have any context yet. 

  10. 15 hours ago, CoolJellyBean said:

    Does anyone know how much the waitlist has moved so far? Last I checked (which was about 2 weeks ago) was 5 spots! I think a few schools have released acceptances now, so was just wondering if it moved at all (fingers crossed!!!)

    That's actually a lot for around this time. I don't think western has even had their interviews yet. 

  11. lol "in the world" yes I guarantee you will find a school that will accept you. In terms of schools in the countries you listed above, yes you will have to raise your gpa. What is your best 2 year gpa? Some schools only consider your top 2. Have you considered taking an extra year, you wouldn't have to raise your gpa that much to get interviews at schools outside Canada but be prepared for a hefty price tag. 

  12. 9 hours ago, titikam said:

    do u know if this will include the pre-requisite courses as well? 

    I just wanna know what u guys think cause they haven't responded to my emails regarding the whole corona pandemic situation !!

    It's impossible to say right now, just be patient and again they will most likely be as accommodating as possible given this whole situation is unprecedented. Besides, the faculty is closed currently and all administrative personnel are working from home. Plus they're figuring out how they are going to accommodate all the current students who's entire class and clinic schedule just got shafted by this whole thing so emails about admission requirements are probably back burner right now. If you already have an offer probably safe to say they are not going to rescind it unless lets say you start failing classes. Just my 2 cents. 

  13. 19 hours ago, FlyingFlamingo said:

    I don't think anyone got it yet. I called them the other day and they said it will be sent in mid April. 

    However, I have another question. Do you guys know how will the Pass/Fail grading system that some schools are using now will impact the GPA consideration for UofT? 

    Best bet is to ask the school directly but I'm sure they won't have an answer just yet. They will probably be very accommodating as long as you passed all the courses. 

  14. On 3/10/2020 at 11:28 AM, Applicant5050 said:

    Too late for that to have a meaningful impact, considering med applications were due back in October. It seems the trend over the past few years is moving towards more waitlist movement, especially since they merged OOP and IP. 

    I wouldn't say that for sure. In the past the IP waitlist used to consistently reach early 30s where as OOP waitlist would fully clear which was around 7 spots if i recall correctly. 2 years ago the combined waitlist got to the early 30s so less movement overall than in the previous years. Curious to know how much the waitlist moved last year though. 

  15. 10 hours ago, AncientDentist said:

    Currently looking for associateship position and this thread was a very depressing read LOL.

    Quick comment about finances: people constantly give examples of "your income will be ___ if you try to pay off your debt in 10 years, which is basically the income of a teacher/nurse/etc." Is this perspective actually accurate? Excluding OSAP,  there is absolutely no pressure to pay off your debt - the bank LOC does not convert into a loan, and all you're forced to pay is the monthly interest (which for me is currently about 750 dollars a month on a 230k debt). In fact, very few other careers offer (potentially) lifelong access to a 350k LOC - of course this should be handled extremely responsibly but its still a beneficial thing to have. Others have also not considered the small (but still relevant) effect that tuition credits will have on helping you make a bit of a dent in your loans early out of school. Dentistry is an opportunity to make a higher income and it's honestly up to the individual to decide what they'd like to do with their earnings. A fixed 80k/year salary is not the same as a 150k salary where you can choose to pay off your debt (or not). It's like being offered an 800k mortgage by a bank - it's a blessing to have this option, though you may choose to rent instead. Not everyone is presented with this option or this choice.

    From how I look at it, dentistry is not a golden ticket with a guaranteed 6-figure salary and comfortable lifestyle. Nothing in life gives that kind of guarantee. And personally, I don't feel entitled because I'm a graduating dentist - I don't deserve a specific income and lifestyle. I am fortunate to have grown up in a country which has offered me the opportunity to become a dentist and a line of work which is rewarding and challenging. I am also fortunate that I have the option to do any and all of the things which were mentioned in this thread - I could move to the US, work up north or in Alberta or Saskatchewan, go abroad and help people, own 20 clinics or none, work 3 days a week or 7, I can make make bad or good financial decisions. I have OPTIONS - it's up to me what I do with them. I grew up in a poor immigrant family and I don't think people realize that having these options and opportunities is a blessing in and of itself. People are speaking about working at McDonalds... you have the opportunity to choose between being a Dentist and a McDonald employee, I would hazard to guess that a lot of McDonald employees do not have a similar choice.

    I realize that I speaking from a place of doey-eyed optimism and that I haven't experienced the (probably very difficult) realities of the real world. Take what I say with a grain of salt.

    Honestly, this was a refreshing perspective to read. I think a lot of us get lost in the doom and gloom and forget to be thankful for what we have and the opportunities that this profession provides us. Cheers. 

  16. 2 hours ago, Starburst said:

    You can but it's very tough. There is a national board exam (part 1 and part 2) and then regional exams (CDCA/ADEX). The regional exams are the brutal ones since you need real patients with specific lesions to show up on the day of your exam. That means you have to find 4-5 patients with those lesions, fly them from Canada to the US, pray they qualify on the day of the exam, and then pass. If you fail any section, you have to redo that section. Basically it's an uphill battle unless you graduated from a US dental school. There's only 4 states that don't have these regional exams.

    Certain states like California also allow you to apply for licensure without writing the regional exams after completion of a 1 year AEGD or GPR. 

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