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  1. Depends on the bank, location, current year of residency (in relation to duration), and I think most of all the mortgage specialist setting it up. I've heard of projected incomes ranging from $150k up to $300k with no regard for specialty.
  2. Which is exactly what @JohnGrisham and me have been saying. It's misleading to say "Interest payments are not required" because they actually are. It's just automated.
  3. Given the heavy skew towards federal which is interest free until March 31, 2022, I would just do exactly what @Persephonesaid and extend the amortization period for now. You don't need to "contact" NSLSC - you should just be able to reduce the payment on the online portal. When it comes time that the federal portion starts accruing interest, I would then do a "Revision of Terms" to make interest-only payments for 6 months (renewable once for a total of 12 months). Note that this is different than the Repayment Assistance Program which most residents won't qualify for based on income. Alt
  4. Perfect example of how well the the Scotia marketing is working. Seems like it really got to you (full disclaimer: I'm with Scotia right now actually because of the convenience of not having to manually plan the payments). To clarify what you're seeing, it shows up as: "Minimum payment due: $0.00" and "Total payment due: $0.00" because the payment is automatically taken from the account a: "INTEREST CHARGES-CASH" then "INTEREST REVERSAL" then "INT TRF TO BALANCE" All that to say - yes, you're paying interest. No bank has 0% interest on these LOCs.
  5. Yes - SPSP is the right program. https://www.scotiabank.com/ca/en/small-business/business-banking/industries/student-professionals.html Graduating for medical school or finishing residency? If medical school, then nothing changes - it's still a professional student LOC at the same rate and with still the same access
  6. Only 400 hours are needed for FM residents, which is usually accomplished within the 2 mandatory blocks required for most FM programs across the country.
  7. As of the 2021 cycle*, the MSPR is now standardized in terms of what's on it, but it definitely still remains true that its ++inconsistent how programs use it. *in reality it will probably only be standardized for the 2022 cycle
  8. I think most would rather a couple days delay (which has become shorter and shorter over the last few years) to have a confirmed result than potentially getting an incorrect result à la the Royal College in 2011. tbf that was the result of a manual error, but I think it makes sense to err on the side of caution with the additional 3rd party audit, etc.
  9. COVID wouldn't have limited away electives very much for 2020 because electives didn't really start to get restricted until after 1st iteration was already complete. That being said, it may have influenced the 2nd iteration (albeit minimally, since those interviews are usually virtual anyway). I would say coming back to this data post-2021 cycle will be the first time we will see the potential impact of COVID on matching rates due to away electives etc.
  10. If you think you did well and it is a specialty you might end up applying to, then there is literally no downside to asking for a letter, no matter how early on. Worst thing is they say no and you feel bad for a bit. Getting a letter early means one less thing to necessarily worry about later on - what if you have a really off rotation during your electives or you go through something which impacts your ability to get enough reference letters? Having one in your back pocket can only be a good thing and it's ultimately up to you to decide which letters you want to use anyway. Either way, i
  11. https://www.carms.ca/match/r-1-main-residency-match/applicant/application-process-documents-r1/documents-r1/ Very little guidance, but some. As SillyPanda said, most people wore a fancy top (blouse, blazer or suit). Another thing is think of how you might want your hospital ID badge to look as well since some places just have you submit a headshot for it too which might lean you towards a plain/professional background more.
  12. Generally speaking, you'll see a huge variety in pretty much everything, including background (I've seen different people use each of the examples you gave), clothing (for guys, tie vs. no tie, suit vs. no suit, glasses vs. no glasses), but one consistent thing is that it's a headshot. There's some guidance on the CaRMS website as well.
  13. Over the last few years, CaRMS has been before NRMP: 2020: CaRMS: March 3 NRMP: Match Week March 16-20 2019 CaRMS: February 26 NRMP: Match Week March 11-15 2018: CaRMS: March 1 NRMP: Match Week March 12-16 2017: CaRMS: March 1 NRMP: Match Week March 13-17 This has meant dual applicants have been able to enter CaRMS 1st iteration, then NRMP Match, then SOAP, then CaRMS 2nd iteration (assuming they didn't match in a preceding step). The change for 2021 with NRMP being befor
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