Cyberdream Posted January 14, 2009 Report Share Posted January 14, 2009 Salut tout le monde! Je viens de finir ma 1ere session en physiothérapie à McGill. Mon GPA est 3.94/4 ce qui me donnerait autour de 4.0/4.3 a UdM (à McGill y a pas de A+). Y a pas de CRU non plus. Selon mes calculs, ma CRU serait entre 37-39. Je fais du bénévolat dans un hôpital, de la recherche, du sport… tout le kit. Le seul hic c’est ma cote R au Cegep : 30 (lol ). J’ai à peine été accepté en physio; j’ai du passer par la liste d’attente. En tout cas… j’aimerais appliquer en Med à UdM et Sherbrooke l’année prochaine (après 3 sessions). Si je maintiens mon rendement et je continue les activités parascolaires, pensez-vous que j’aurais une chance d’être admis? Mes seules craintes c’est que je sais pas comment ils arrivent à calculer les CRU a partir de McGill. Le programme de Physio a l’air vraiment plus facile a McGill (cutoff CRC=30 → moi! ) A UdM c’est autour de 31.5. Aussi, mon rendement pitoyable du Cegep diminuerait mes chances, mais au moins ma CRC comptera pour seulement 10 %. C’est quoi à peu près la CRU des personnes acceptées sans savoir fini leur Bac? J’ai tu une chance? Merci a tous! Link to comment Share on other sites More sharing options...
future_doc Posted January 25, 2009 Report Share Posted January 25, 2009 I believe your Cegep grades are irrelvant. Why not apply to McMaster med school in Sept. for early acceptance in Sept. 2010. Your degep marks are known but not counted in their calculation of your GPA, no MCAT is required, and all you need to do is an excellent job in answering their autobiographical 5questions, each in 700 characters or less (this incl. commas etc). You seem to have the complete kit for community service, but at the risk of telling you what you know already, Cote St Luc has a volunteer EMS program and accepts people from anywhere, Royal Vic has the STEP program [student educational training program], developed especially for pre-med students, The Children's Hospital has the Mini-Meds program, similar to STEP at the Vic and you could probalby become involved with onhands rehab of patients at one of many rehab centres in Montreal. Link to comment Share on other sites More sharing options...
Cyberdream Posted January 26, 2009 Author Report Share Posted January 26, 2009 Hey thanks a lot for the suggestions I really appreciate You know I have already thought about studying in Ontario but the problem with that is the financial aspect. I actually considered U of Ottawa since you can get financial aid from the Quebec government. For the other universities it looks kinda tough; lots of money for tuition plus I have to move there and all the burden that comes with that... I can get a loan from the bank but it would take me years before paying it back. Would you see a different solution? Also thank you for the community involvement suggestions. I was aware of some of them. Currently I am volunteering at the emergency at Hotel Dieu; hope that is going to be useful lol. I will definitely consider Ontario; even if it is only a second choice, if I am accepted there I will figure something out! Thanks a lot again! Link to comment Share on other sites More sharing options...
future_doc Posted January 26, 2009 Report Share Posted January 26, 2009 Hey thanks a lot for the suggestions I really appreciate You know I have already thought about studying in Ontario but the problem with that is the financial aspect. I actually considered U of Ottawa since you can get financial aid from the Quebec government. For the other universities it looks kinda tough; lots of money for tuition plus I have to move there and all the burden that comes with that... I can get a loan from the bank but it would take me years before paying it back. Would you see a different solution? Also thank you for the community involvement suggestions. I was aware of some of them. Currently I am volunteering at the emergency at Hotel Dieu; hope that is going to be useful lol. I will definitely consider Ontario; even if it is only a second choice, if I am accepted there I will figure something out! Thanks a lot again! Life is not fair, never was or is to most people. And the way we handle and cope with the situations beyond our control builds character, makes us stronger and prepares us for future challenges. In fact, no pain for us now ensures lack of proper preparation for life. We all have hard choices to make. I cannot afford a medical education butfor sure, finance will not stand in my way, where there is a will, there is a way! The Banks have professional and medical student loan departments, though not at all branches, and I believe cosigners are not required for medical student loans or LOCs [lines-of-credit]. Shopping amongst banks becomes important as there will be varying interest rates available and you want the most 'competitive' loan package available. All you need is your Letter of Acceptance into med school. I understand that the Canadian Medical Association (CMA) has an MD Management Program to help med students deal with finance issues, go to http://mdm.ca/md/studentresident/index.asp?language=E. The National Bank of Canada collaborates with MD Management, a subsidiary of the CMA and provides a flexible LOC to med students, even allowing you to capitalize what otherwise would be monthly interest payments, see [http://mdm.ca/md/studentresident/index.asp?language=E, http://mdm.ca/content/md/solutions/banking/pdf/Student-Resident.pdf in particular page 7, md.brs.cma.ca and you can call 1-866-333-2580]. Subject to verification, National Bank of Canada may have the lowest interest rates and the greatest flexibility of all the banks. The RBC branch at Peel/Sherbrooke has considerable experience with med student LOCs (see http://www.rbcroyalbank.com/RBC:STqx-o71A8cAY9AGjNM/products/personalloans/rd_for_students_pro.html). The following persons from RBC deal with med students from the following universities or med schools (see http://www.rbcroyalbank.com/student/medical/specialists.html): PERSON PHONE NO. UNIVERSITY Email Bruce Colby 514-874-7646 McGill bruce.colby@rbc.com Maggie Hinds 514-874-2423 McGill maggie.hinds@rbc.com Luc Lattion 514-874-2929 McGill luc.lattion@rbc.com Emmanuel Manoukian 514-874-2238 McGill & Concordia etc Nizam Khouri 514-874-4021 McGill Joyce Cahill 418-654-9810 Laval Andre Laflamme 418-654-2407 Laval Guylaine Petit 819-823-4264 Sherbrooke Sylvie Chaver 819-823-5915 Sherbrooke Shirley Hum 514-874-6684 U of M Nizar Laouni 514-340-3142 U of M Scotiabank has the Scotia Professional Student Plan (SPSP) with features that include a Scotia Proefessional Student Plan Line of Credit. Their professionals for medicine are (see http:http://www.scotiabank.com/images/en/filesbusiness/19272.pdf) : PERSON UNIVERSITY-MEDICINE Amy Valeny McGill amy.valeny@scotiabank.com Jean-Marie Paquette Sherbrooke jean-marie.paquette@banquescotia.com Alain Theriault U of M alain.theriault@scotiabank.com Michele Belisle Laval michele.belisle@scotiabank.com Darrell Bruce Ottawa darrell.bruce@scotiabank.com Brett Patterson Queens brett.patterson@scotiabank.com Susan Shulist McMaster etc Don Hardy Calgary etc. Lynne Owen Toronto etc. other med school/bank contact are found in the pdf CIBC has the CIBC Professional Edge Student Program, loaning up to $150,000to use for education, residency and living costs. The branches across Canada that deal with LOCs for med students at the different med schools are to be found at http://www.cibc.com/ca/loans/article-tools/prfssnl-edge-stdnt-progr.html TD Canada Trust have a Graduate Professional Student LOC of up to $150,000for med students and you can call 1-877-247-2265 to start the enquiry process. Other banks have other programs, and it is possible to establish, if needed, a LOC for in excess of $100,000 (for living expenses, tuition, books, etc.) on the basis of acceptance into med school (that makes you an excellent credit risk). There are very knowledgeable and experienced banking people at some of the larger branches who deal with med student loans. Study and research is required to obtain the most competitive LOC package available, and to avoid branches that know nothing and will freak out at a request for a large LOC from a med student. So, OOP possibilities remain intact. Suffice to say, there are third party loans available for our entire medical education, including the cost of living, but you must have a strategy to pay of such loans quickly. Most med students need to deal with very large loans. There is another avenue the MOTP military officer training program that not only pays a hefty signing bonus of $40,000 taxable but gives us a good salary all thru our studies. There are full details on another thread. And we only need ot give them back 4 years, but I think it could make for an interesting career. For civilian medicine, there needs to be a strategy, yes, to pay off huge loans that are more like mortgages. So, now we look at the business side of medicine. Lert's assume we pick a sepcialty and have dual practices, in Plattsburgh or Burlington where we will easily earn twice what we will earn in Montreal, while keeping a practice going here on a part time basis. If I do diagnostic radiology, I will be able to stay at home in Montreal and by teleradiology, do all my work from for my US practice while sitting in my living room! So, yes, I am considering the business apsects and these loans must be paid off quickly, and there are viable strategies - without being in debt forever. I think debts of $150,000 - 200,000 probably can be paid off in max 4 years, probably within 3 years..but if I go the military route, I won't owe a penny and will be on way to an excellent pension in my late 40s, with the ability to retire, teach, head up a hospital or carry on in the military. Meanwhile, back at the ranch, I go slow, one step at a time, I may need to apply more than o nce, I am young, have time, enjoy life and will enjoy the journey. That's my story! Link to comment Share on other sites More sharing options...
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