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Found 10 results

  1. About once every 3 months I put myself into a panic about my student loans. I went to PA school right out of college and thought the better reputation school would be better for me, even though it was significantly more expensive. I know now that that was a terrible decision. After my first panic about student loans I started living significantly cheaper but I still have the debt hanging over my head. Is this a feasible amount to pay off as a single woman after graduating? Will I ever be able to not live as cheaply as I do now... at least within 10 years? Any advice would be appreciated. After looking at the cost of other schools, there has to be more people in my shoes out there and I'd love to hear some stories/advice from fellow PAs. Thank you!
  2. I'm attending Arizona State University online. I live in Georgia and I'm 24 years old. ASU is a quarter-based system, which means I get college credits on a quarterly basis instead of a semester basis. All PA and AA schools (I'm interested in both) require a certain amount of prerequisite hours, but at ASU, I would be about an hour or two short in a lot of them, like biology, chemistry, organic chemistry, etc. So, me getting a degree in biology from ASU is kind of pointless, because I'd have to take some additional prerequisite classes at my local college anyways. I should also mention I have a job (in aviation) that pays pretty well - about $60,000 a year. I am also in the process of getting my Surgical Technician certifications, but this will take a year or so. With this being said, I have two options: A: Get my Surgical Tech school done and take a really low course load at ASU for Biology to ensure I maintain as close to a 4.0 as possible. Get about 60 of 120 credits from ASU (amount needed to transfer), then transfer to the University of Georgia. Finish my degree in biology, but live off loans. Try to find a part-time CST job while in Athens to keep them as low as possible. Continue with a low class load to keep a good GPA. This way, I'm keeping my grades high, but still getting some crucial clinical experience. Eventually graduate from UGA, a highly respected school in Georgia, with a degree in Biology. Then apply to programs. Most will be far away, so if I get accepted into one of those, I'll also probably have to live off loans for the two years of AA or PA school. Lots of debt, but better undergrad, experience (in life and classwork), and higher caliber school. B: Buy a mobile home for a great price ($13k practically brand new) - a home right next to my parent's. In 3 years, it'll be paid off and cost me half as much as renting. Continue my degree at Arizona State University (online) in something like psychology, since my prerequisites won't count the same anyways. Minor in personal health. Get my Surgical Tech school done and work part-time while attending ASU. Finish my psychology degree, then take the right prerequisites at my local college. Don't live off any student loans until I get accepted into AA or PA school. Option A seems nice. I can go to UGA, graduate with a degree in Biology, have that prestigious college (at least for my state) attached to my degree, finish everything on a physical campus, have easier access to volunteering in research studies at the campus, have 100% of my focus on my school and GPA (this is important as grades don't come naturally to me), and pretty much devote my life to making sure my prerequisites and overall GPA are top notch. The bad - I'd live off loans and accumulate a lot more debt and UGA is harder (could be a good thing for preparation) in their expectations. A lot of good, but the two bad are related to more debt and harder to get a good GPA. Option B seems good too, but not as appealing. I'll undergrad in psychology and minor in personal health (biology/chem/etc not available). Take all the right prerequisites at a local college that should be easier to pass versus UGA's standards. Save money by working as a Surgical Tech and paying $500/mo in a mortgage payment versus $1,000/mo for an apartment. SORRY TO RAMBLE. What's your opinion?
  3. I got into an in-state program a 25 minute drive from my parents house. Fortunately, tuition and fees for the 24 months will only be about $36,000 altogether (a steal compared to the private programs I got into) My choices are: (1) Pay 500-700 per month for an apt near the school (2) Live with my parents and commute 25 min each way, paying about 80/mo for parking near the school OR parking free if I'm willing to then walk 20 minutes I have no savings and will be taking out loans for every penny of my expenses What would you do? Will I be missing out on a lot if I don't room with classmates?
  4. I am considering a career change and I am on the very front end, but I am seeing lots of really, really high numbers for the amount of debt PA grads are coming out of school with 80k-100k +. I'm assuming that this is because people are financing living expenses throughout the 2-3 years of school. I am looking at two schools in my state (one is a CC) and the tuition and fees (for the whole program) seem to be more in the 40k-60k range. Am I missing something? Is it possible for someone to do PA school, possibly if a spouse covers all living expenses, and only have 50k in debt? Any perspectives on this?
  5. I couldn't resist it. Right out of school, I was offered a great salary at a job I already knew. I went to work at the clinic I had worked at as a medical assistant before PA school where we did abortions and birth control. I got paid very well for it and did only that for 10 years. Now, I left because I had 2 kids and don't want the long commute anymore. How can I broaden my horizons now? I would be happy in virtually any other field -- primary care, derm, peds, urgent care, ortho, etc. I'm due to take PANRE in 2014 or 2015. So, I'm thinking I'll take some time to study hard for it to hopefully not just pass, but do well, so that I can show the category breakdown to potential employers and at least prove that I am book smart. Also thinking of taking another Spanish class to be able to add that as a job skill to make myself more marketable. Any other ideas?
  6. Sorry, reposting in hopes that someone else is on this forum, despite the upcoming holidays and can answer this for me :) I am 1 year out as a family practice PA, and will be interviewing as 2 practices next week (one is a endocrinology practice, and one is a geriatric practice). As some of you know, I am just not happy with the experience (or lack of) I gained this year at my current practice.. I really, really need to somehow get my new employer to help me out with paying my student loan debt, since I cant seem to get into a federal program where I live. Both practices seem to be great organizations with competitive salary. I would be willing to take 10 or 20k less salary if they would just use it to pay my loan back. My question is.... How do I negotiate this, and how much should I ask for ?! Does anyone have experience with their employers paying back a chunk of their loan debt? Any help would be greatly appreciated! Sincerely, broke PA
  7. I am 1 year out as a family practice PA, and will be interviewing as 2 practices next week (one is a endocrinology practice, and one is a geriatric practice). As some of you know, I am just not happy with the experience (or lack of) I gained this year at my current practice.. I really, really need to somehow get my new employer to help me out with paying my student loan debt, since I cant seem to get into a federal program where I live. Both practices seem to be great organizations with competitive salary. I would be willing to take 10 or 20k less salary if they would just use it to pay my loan back. My question is.... How do I negotiate this, and how much should I ask for ?! Does anyone have experience with their employers paying back a chunk of their loan debt? Any help would be greatly appreciated! Sincerely, broke PA
  8. So, I'm ending my first year as a PA with a pretty well paying job outside of school (90k), which unfortunately will be ending for me soon (practice is closing, forcing me to find another job). However, I have an obscene amount of student debt that literally leaves me broke after each paycheck. I know I did this to myself, but I just get so disheartened because I feel like I worked so hard to get here with little to no help from anyone else, and I have nothing to show for it. I don't live above my means or anything like that, but after each paycheck I barely have enough for food, and I think to myself... how can this be?! I'm a PA! :/ Besides, National Health Service Corps Jobs (which I have been applying for), does anyone else know any other resources for repaying student loan debt? I have been looking for a job that offers loan assistance also.... and knowingly will probably have to relocate and break my fiance's heart. But I just can't do this anymore. We will never be able to afford children if I have to keep living like this. Don't get me wrong... I LOVE being a PA and I don't regret it. I have no problem continuing to work my ass off to pay this money back.... just looking for some assistance if possible. I have no issues working 2-3 jobs either to pay for my loans... I just didnt have this opportunity with my little experience and I also work 6 days a week at my current job. I'm hoping that in my second year as a PA, I will be able to find a job that will allow me to work extra shifts, or an extra job or two... Any help/resources would be greatly appreciated! Thank you. You guys are invaluable!
  9. I have a question that can hopefully be answered by the gurus in this forum. I've searched the forums here (manually and automatically) and have searched around FAFSA's website and studentloans.gov; no luck. First, let me spin the threads of a story in the form of a time-line: -I will be graduating, probably in the Winter of 2012. At this time I will have open government-subsidized student loans. -I will be working to finish my required patient contact hours. This will last anywhere from 6 months to 2 years depending on my ability to procure a job with patient contact hours while I am still in school and current application cycles. -With luck I will then be entering a PA program. Scenario 1: I can make at least minimum required payments while not attending school. Scenario 2: I know there is generally allowed deference period. I make us of this and pay as much as I am able. What limits will be placed on me and my access to government loan assistance in PA school, considering the fact that I will have to leave school for two years? (consider also that with a job as a CNA I might be hard pressed to pay the minimum amount.) Thanks for any and all help offered on the subject.
  10. Hello everyone, One of the programs I'm applying to will cost around $90K for the entire program. This excludes the cost of living. If I get accepted and complete the program, I feel like I'll be in debt for many years to come. I was hoping someone could give me some insight as to whether or not attending a program of this nature is a wise idea in the grand scheme of things. I appreciate any feedback!
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