Medical Student Loans: What Are Your Options?

Medical Student Loans: What Are Your Options?


So, you and your wife were enjoying a nice afternoon together, watching television on the couch, when Junior walks in and ecstatically announces that he has been accepted to Harvard Medical School.
After the initial whoops and hollers and the pride that swells in your chest, your son leaves to announce the great news to his friends. You and your wife turn to each other and smiles fade and eyes widen when suddenly, thoughts of the cost hits you. Stunned, you slump onto the couch in silent dismay.

There’s no need to panic when this happens. Attending medical school is a very respectable goal, and money should not stand in the way. However, very few parents or other family members can afford to put someone through medical school, and that’s where medical school loans come in handy.

Where do you obtain a medical school loan? Start with your own local bank branch and see what kinds of loans or offers they can suggest. Your next step should be to get on the Internet or ask your bank loan officer if he or she can suggest other alternatives. One of the next best ways to obtain a medical school loan is through a private student loan offered to those entering medical professions. For example, there are a number of Federal Student loans, like Stafford or other types of medical type loans offered by various health field providers and sponsors.

However, keep in mind when looking for medical school loans, that the interest rate of that loan may keep you, or your son and daughter, in debt for years to come. Studies released have shown that the average medical student loan debt for those attending United States universities is roughly $100,000. That’s a big weight on such young shoulders, and compounded with the cost of living and lower than realized pay of many medical entry level pay scales, can take the wind out of anyone. Being so much in debt may cause students, and parents, a lot of stress, so consider carefully when searching for options that may help take some of the pressure. Encourage your student to apply for as many scholarships and grants as possible.

While medical schools around the country and the world recognize the problems of student loans for their students, they don’t provide any answers to address this issue. Nearly 50% of students who take out student loans of any kind, of various amounts, take years to repay those loans. Young men and women entering the physician field today are facing some tough times. Gone are the days when medical careers were the highest paid in the job market. Balancing their pay scale with the cost of medical insurance and loan payments, and most doctors today are struggling to make ends meet just like any other white collar professional. Times are hard, and are not likely to improve any time soon. When searching for a medical student loan of any amount, just make sure you shop around and try to find one with the lowest interest rate possible. Also, try to encourage your student, or yourself for that matter, to start repaying or saving up for that debt repayment instead of allowing it to drag out for years.

Medical School Loans

 Medical School Loans

Medical School Loans
Are you worried with the fact that your child has opted for medical education which is quite a high-ticket option and you won’t be able to support it? Think no more when medical school loans are around to help your offspring execute his or her dream to become a medical professional.
Medical student loan consolidation is quite an easy option for you. You can make best use of medical student loans rendered by both state sponsored organizations and private lenders. Many people are of the opinion that availing a medical student loan means to be in debt for years. Such burden on the shoulders of the young students may affect their studies. But this is not so. Today repayment of medical loans is quite flexible and easy.
Medical school student loans are furnished by federal sponsored programs like National Health Service Corps (NHSC) Scholarship Program. This NHSC is a very good plan for medical students who want financial aid to conclude their studies and meet all medical education expenses. NHSC loan program is financed by the United States Department of Health and Human Services Public Health Service.
Such national student loans for medical school programs are based on ‘support for service’ plan. Repayment of national financial aid is very casual. Any student who obtains such loan has to commit to serve government run health organizations or similar health care units for a few years.
This way the loan amount disbursed to a student gets deducted and you become free from debt too. National loan programs also offer medical residency loans to students who want to pursue higher education and do specialization.
The amount of medical student loan sanctioned varies from lender to lender. Most of them cover full expenses of medical studies including tuition fee, books expenses and person’s monthly stipends. The interest rates on financial aid for medical students also differ from lender to lender. Usually medical school private loan has higher rate of interest than a state or federal sponsored loan.
Besides the NHSC loans and other state sponsored loans you can take Stafford medical loans. There are two types of graduate Stafford student medical loans.
One is subsidized Stafford Loan which is awarded based on the financial need of the student where interest is not charged till you start your repayment. And the other one is unsubsidized Stafford Loan. This is available for all students without financial need and the interest begins from the time the loan is disbursed.
The Association of American Medical Colleges (AAMC) too offers different types of loans to medical students. When private medical loans charge too high interest rates, such loans from state sponsored organizations serve as a better option.
You must take care of repayment of medical student loans as well. Make a proper plan and opt for those loans which offer you a flexible and affordable repayment plan. Various medical schools have facilitated counseling on medical school loans for parents and guardians to help them get easy loans without any difficulty. They guide them on rules and regulations regarding the repayment too.

Better Than Botox is there a Safer Substitute?

Better Than Botox is there a Safer Substitute?

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Source: Flickr

Rejuvinol Product Purported to have Great Anti-wrinkle Promise.
Women since time immemorial have always looked for ways to enhance and prolong their beauty. This of course becomes more difficult as they age. As women are living longer more productive lives, it is understandable that they want any advantage to put their best face forward.
Exuding confidence and success for today’s women seems to also include looking one’s best . This interest in radiating ageless beauty has given birth to a burgeoning beauty industry focusing on ways to ease the effects of aging skin.
But at what cost is the yearning for the timeless beauty? I once heard my mother tell us “that achieving beauty was painful.” But are today’s women enduring a range of procedures like plastic surgery, chemical peels, and Botox far beyond the bounds of their predecessors?
Botox has become all the rage because of its ability to smooth out some wrinkles. Nevertheless, Botox has recently come under question because of concerns about its toxicity. Furthermore, many women don’t want to undertake the injections necessary in Botox treatments.
Moreover, havoc and health problems are being widely reported in the media recently in association with Botox. A get deal of concern is focused on Botox treatments in the hands of unqualified, unscrupulous, and misleading professionals.
“New Topical Treatment with Anti-wrinkle Benefits Emerges without the Controversial Side Effects of Botox Treatments”
Is there a safer way to have a more youthful facial appearance without risky face lift surgery, chemical peels or Botox Injections?
Some women are sharing their success and positive experiences with a topical treatment featuring high quality anti-aging ingredients known as Rejuvinol.
What is Rejuvinol?
Rejuvinol is an anti-wrinkle cream with premium products developed by a company known as Optimal Therapeutics. The ingredients of Rejuvinol are widely purported to have significant wrinkle smoothing and anti-aging effects. From reports that I have read Rejuvinol utilizes a morning and evening treatment to insure optimal results.
For instance many leading doctors open to natural herbal supplements suggest that products like green tea, ginseng derivatives and sun screens may be very beneficial with anti-aging properties. Upon checking the ingredients of Rejuvinol I noticed these products were present.
Perhaps even more significant is the widely noted active ingredient in Rejuvinol known as Argireline. Argireline is reported as having properties resistant to the process of skin wrinkling — especially on the face.
Is Rejuvinol the Answer for Safe Anti-wrinkle Facial Smoothing?
For some like Andrea M. a 37 year old triathelete, living in South Florida, Rejuvinol is a welcome alternative to Botox. She claims “Even though I religiously slather myself with SPF 30 prior to heading outdoors, I still manage to get obvious sun damage, especially the lines around my mouth and eyes. Since I started using the Rejuvinol System three months ago I am astonished to say that the lines have been diminished by at least 60%. I am ecstatic with Rejuvinol. “
With all the controversy, costs, safety issues, and anxiety associated with cosmetic surgery, skin peels, or Botox a product like Rejuvinol is an alternative women should consider. Imagine women being able to get the wrinkle smoothing benefits of Botox without all the associated risks. More information on Rejuvinol can be found at Amazon or www.BODeStore.com.

Understanding Cosmetic Surgery Procedure And Costs

Understanding Cosmetic Surgery Procedure And Costs


Cosmetic surgery has become all the rage of a generation; enticing patients with its promise of prolonged youth and beauty.
For many, such surgery means an end to a lifetime of low self-esteem and unrealized dreams of looking a certain way. For others, cosmetic surgery means an opportunity to turn back the clock and revisit a time when unwrinkled skin and prominent cheekbones told of our youth.

No matter what our reasons for embarking on cosmetic surgery, one thing is clear; it is imperative that we understand the cosmetic surgery procedure and costs prior to surgery. An educated patient is an empowered patient; it is essential that any elective surgery be researched thoroughly.

Part of learning about the cosmetic surgery procedure and costs is finding out about the surgeon you have chosen to perform your surgery. Never choose a cosmetic surgeon based solely on price. An inexpensive surgery will mean nothing if you have a lifetime of scarring or health problems after having been exposed to a disreputable doctor. Cosmetic surgery procedure and costs do not necessarily go hand in hand. Research the credentials of any surgeon you are considering; speak with other patients who have undergone cosmetic surgery with this particular doctor; in short, do your homework.

After finding the most reputable, experienced, and skilled surgeon to perform your surgery, the next step in learning about cosmetic surgery procedures and costs is educating yourself on what to expect. Speak with your surgeon – as well as other patients who have been through the particular cosmetic surgery you have elected – to make sure you understand what you will experience before, during, and after your cosmetic surgery. Educate yourself on the healing process and those things you can do to ensure a fast and healthy recovery. Additionally, be sure you understand the risks associated with cosmetic surgery and learn what to look for to protect yourself from infection while recovering.

One of the things most people are concerned with when exploring cosmetic surgery procedures and costs is the price associated with cosmetic surgery. Cosmetic surgery can be expensive and, because it is an elective surgery, is often not covered by insurance carriers. Be sure to check with your health insurance company to determine if any or part of your cosmetic surgery is approved for coverage. Do not let price stand in the way of having the best surgeon you can find perform your cosmetic surgery. There are financing options available – through financial institutions and often through the surgeon’s office itself – that can help you pay for cosmetic surgery.

Cosmetic surgery procedures and costs can be overwhelming to understand. But if you take the time to do your research, you’ll be in the best position to receive affordable, safe, and, ultimately successful, cosmetic surgery.