Med School/resident/attending thread

Discussion in 'The Mainboard' started by skeezy, Apr 27, 2015.

  1. pnk$krtcrÿnästÿ

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    Rutgers Scarlet KnightsArizona WildcatsTexas AandM Aggies altTennessee Volunteers

    Goddamn day 1 of step 3 today goddammit so tired of this goddamn shit
     
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  2. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    You interviewed in Wichita didn'tyou?
     
  3. lunchbox

    lunchbox ...
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    Texas LonghornsHouston AstrosHouston RocketsHouston TexansManchester United

    Yup, its a nice little program. I had an attending that went there, and he was one of the better docs i worked with.
     
  4. Scott Van Pelt

    Scott Van Pelt President of the Hate Avery Johnson Fan Club
    Oklahoma State CowboysAlabama Crimson TideOklahoma City ThunderChicago BlackhawksLiverpool

    Step 1 studying in full swing. Only 2 more months and then second year is over. Fucking hated the preclinical years so I'm really hoping the clinical years get a lot better
     
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  5. pnk$krtcrÿnästÿ

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    Rutgers Scarlet KnightsArizona WildcatsTexas AandM Aggies altTennessee Volunteers

    I'm just awaiting sweet death to deliver my heavenly reward someday.

    <-----Primary care
     
  6. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    Fiancee is most likely going into Primary Care. Hoping the pay keeps shooting up like it has been.
     
  7. lunchbox

    lunchbox ...
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    Texas LonghornsHouston AstrosHouston RocketsHouston TexansManchester United

    Happy national doctors day
     
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  8. RonBurgundy

    RonBurgundy Well-Known Member

    I never understood the fascination with how "low" primary care compensation is. Large majority make >$150K, seems to be adequate for my family anyway. Granted I'm not north of $600K like the ortho groups in town but I'm not of the opinion that much money makes you any happier or less stressed.
     
  9. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    I mean it's a lot of money compared to an average person but it's lower (or the peaks aren't as stratospheric) for a doctor. I'm not complaining at all. She enjoyed the rotation and the lifestyle is appealing which is the most important thing.
     
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  10. NoNatty

    NoNatty Keyboard Cowboy
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    :crossedarms:
     
  11. Shock Linwood

    Shock Linwood Well-Known Member
    Texas AandM Aggies alt

    People are sleeping on primary care but it's turning into a nice specialty.

    You can EASILY make $225-$300k+ these days depending on your locale. In Texas and the south or Midwest, no problem at all. Additionally you can get all your loans paid off with a little commuting.

    In Texas the state chips in $25k after year 1, $35k after year 2, $45k after year 3 and $55k after year 4. All for working in an underserved area. You can find these places here and there in the city but they are abundant in rural areas.

    Additionally the employer in a rural area usually pumps in approximately $50k per year. You can pay off just about any and all loans in 4 years tops with that setup between the state and employer contributions.

    Most people sit in traffic 30 min each way. If you drive an hour outside of your city you should be able to find something I described above. Additionally these places will work with you and with many you can negotiate a 4 day work week. You hold the cards with these guys so negotiate. After you get the 4 day work week pick up a BS medical director job at a plasma center and earn an extra $50k/yr.

    Primary Care/family medicine has minimal call, no nights or weekends, not much life or death stress, showered with Pharm rep gifts and dinners and sporting tickets, easy work. Additionally most of regulation and reform is shifting power back to the PCP. I have a cards friend who had to ask a family medicine Dr of one of his patients for permission to order an EKG.

    Whatever you do don't let her do a fellowship after family medicine. She is throwing away (likely) a quarter of a million dollars in missed salary.
     
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  12. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    Finishing med school debt free so YOLO. Seemingly sage advice otherwise.
     
  13. Shock Linwood

    Shock Linwood Well-Known Member
    Texas AandM Aggies alt

    See you in the rich people thread
     
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  14. gamecockdoc

    gamecockdoc Physician on Duty
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    South Carolina GamecocksAtlanta Braves

    I hate you right now
     
  15. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    Fiancée is smart lady
     
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  16. WW

    WW kansas state: alive and well
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    Kansas State WildcatsKansas City RoyalsKansas City Chiefs

    does she go to KU?
     
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  17. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    Yes
     
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  18. WW

    WW kansas state: alive and well
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    Kansas State WildcatsKansas City RoyalsKansas City Chiefs

    nice, my fiance is in her 3rd year there. Should get out of there without any debt too. Feels good.
     
  19. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    wow are we engaged to the same chick
     
  20. Homo Erectus

    Homo Erectus Well-Known Member
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    I have friends who are lawyers & doctors with +$125k in loans who wont be free of them until their 40's.

    My best friend is a lawyer 2-3 years into his career making $80-90k and lives in a one bedroom apartment. He complains about money & i pick up the tab when we hang out more than not.
     
  21. Homo Erectus

    Homo Erectus Well-Known Member
    Donor

    Biggest unmentioned thing to consider about picking a specialty for you/your significant other.

    How is their/your immune system?

    If your immune system sucks then you by proxy will get exposed to a lot of shit. If you are with/a pediatrician it better be fucking bulletproof bc kids are fucking germ factories.

    I was glad my dad was a psychiatrist bc he hardly ever brought stuff home with him.
     
  22. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    immune system is pretty solid. years of booger eating helped me out.
     
  23. Homo Erectus

    Homo Erectus Well-Known Member
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    #TH2Rescue
     
  24. gamecockdoc

    gamecockdoc Physician on Duty
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    South Carolina GamecocksAtlanta Braves

    lol. i wish
     
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  25. Homo Erectus

    Homo Erectus Well-Known Member
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    Whats your damage?
     
  26. lunchbox

    lunchbox ...
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    Texas LonghornsHouston AstrosHouston RocketsHouston TexansManchester United

    My damage will be around 200k

    Intern year starts in july

    4th year mode... ive forgotten so much.
     
  27. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    Did you match in Wichita
     
  28. lunchbox

    lunchbox ...
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    Texas LonghornsHouston AstrosHouston RocketsHouston TexansManchester United

    Nope, im sad i cant mentor tmb posters' best friends

    Ill be staying in Texas
     
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  29. RonBurgundy

    RonBurgundy Well-Known Member

    40k, all paid off now.
     
  30. Leeroy Jenkins!

    Leeroy Jenkins! At least I have chicken
    Donor

    112k however Orthopod salary (in a year) and single for a year of fellowship in Miami:swagstrut:
     
  31. Homo Erectus

    Homo Erectus Well-Known Member
    Donor

    Will Mrs. NPR try to match there?
     
  32. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
    Donor
    Kansas State Wildcats

    Nah, we'll have to move for hers though.

    I would divorce her if she purposefully matched in Wichita
     
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  33. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    going to be mid 200's

    RIP me
     
  34. Homo Erectus

    Homo Erectus Well-Known Member
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    My wife joked about moving there

    I told her thats the day i retire & get a vasectomy.

    She didn't make the joke again
     
  35. JCort

    JCort oiling and lotioning, lotioning and oiling
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    Nebraska CornhuskersLiverpoolBig 8 Conference

    365k

    :killme:
     
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  36. NoNatty

    NoNatty Keyboard Cowboy
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    Med students are eligible for PAYE and IBR right? Even at 300k loans and making 200k/year it's $1500 a month which doesn't seem that bad.
     
  37. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    PSLF is the only one that isn't taxed iirc

    its a tough decision and lots of math to figure out if you should go payment plan style or just pay it off/refinance to a low interest rate
     
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  38. Johnson49

    Johnson49 Well-Known Member
    Donor

    I came out around $280K but didn't pay anything while in residency and fellowship. Now it's ~$360K and my payment is more than my mortgage. I noticed on my statement the other day I get rung up for $60 a day in interest. Every fucking day. Bastards.
     
  39. MrOutlaw

    MrOutlaw Director corp medical
    Pittsburgh SteelersPenn State Nittany LionsPittsburgh Penguins

    Which fellowship in Miami?
     
  40. Name P. Redacted

    Name P. Redacted I have no money and I'm also gay
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    Kansas State Wildcats

    God damn these student loans balances.
     
  41. Marv

    Marv Suck Brick Kid
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    Georgia BulldogsAtlanta BravesAtlanta UnitedTottenham Hotspur

    Im upper 200's and paying the IBR based on my PGY2 salary which comes out to around $70/month. THink its a a good deal while still keeping me elgile for the 10 year loan forgiveness. Did a yar of research before residency so Im 3 years in and will be 6 years after residency. If I do a fellowship thats another year, so will only need 3 more years ina qualified place to have the loans forgiven. Im sure by then theyll have rescinded the program.
     
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  42. Marv

    Marv Suck Brick Kid
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    Georgia BulldogsAtlanta BravesAtlanta UnitedTottenham Hotspur

    WHen did they start that 10 year forgiveness program? Has anyone actually had their loans forgiven yet
     
  43. Lyrtch

    Lyrtch My second favorite meat is hamburger
    Staff Donor

    Feds going to be in for a shock when they see how many people apply for it this coming year when people finally start hitting the 10yr mark.

    You'd think if they tinkered with it they'd allow it to be retroactive or do a phase out, but the way the program is designed that you basically wait ten years then apply makes it sketchy.
     
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  44. JCort

    JCort oiling and lotioning, lotioning and oiling
    Donor
    Nebraska CornhuskersLiverpoolBig 8 Conference

    I'm doing the same thing. I am in the repaye IBR plan while keeping eligibility for PSLF. My program is 4 years for psych so will have that many qualified.

    From the guy who came and talked to us about loan repayments, he felt the government is more likely to grandfather current classes into the PSLF 100% forgiveness at your 10th year given you meet eligibility criteria. And he said he wouldn't be surprised if they cap it soon to 50% or less (50 is maybe an arbitrary number he just said won't be 100%).
     
  45. Leeroy Jenkins!

    Leeroy Jenkins! At least I have chicken
    Donor

    F&A
     
  46. NoNatty

    NoNatty Keyboard Cowboy
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    It started in 2007. As of 2 months ago group of attorneys already has a lawsuit pending because the Feds refused to forgive the loans (they were the first group).

    If you're doing PSLF make sure you are doing the pre authorization thing where your employer sends in a form as soon as you start and every year.
     
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  47. Homo Erectus

    Homo Erectus Well-Known Member
    Donor

    Had a friend max out his loans bc the forgiveness. He took the money he didnt spend it on school and invested it.

    Pretty smart if it works out right..Fucked if not
     
    #348 Homo Erectus, Apr 1, 2017
    Last edited: Apr 1, 2017
  48. gamecockdoc

    gamecockdoc Physician on Duty
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    South Carolina GamecocksAtlanta Braves

    ~ $280,000. I pretty much make too much for income based repayment and forgiveness
     
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  49. Scott Van Pelt

    Scott Van Pelt President of the Hate Avery Johnson Fan Club
    Oklahoma State CowboysAlabama Crimson TideOklahoma City ThunderChicago BlackhawksLiverpool

    Finished Step 1 today. What a bullshit racket from the NBME

    Whatever, getting :drunk:
     
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