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.

The Education Revolution

For most of us, education was a class-room filled with other students of unequal ability, a low level of teacher attention (she/he had 30+ other students to attend to), and generally not much opportunity for individualized initiative. To make it worse, our study efforts were recognized by our ability on exam day to answer standardised questions on a piece of paper, and from that we were categorized for the rest of our lives.

That has now changed. The Internet is the greatest revolution in Education since the pencil was invented, and it is changing the way people learn, and affording an amazing array of opportunities to gain a practical education that really IS of some use in the real world, instead of a certificate that probably has little relevance to our real life skills.

Never before have people seeking to better their prospects of employment, enjoyment and general happiness had such a choice, and that choice is ever expanding as the Internet becomes more widely accepted in education delivery.

Not only can we now study traditional subjects “On Line”, but there is an amazing array of “out of the mainstream” subjects we can pursue that will enrich our lives and make us a more “rounded” person, with a wide variety of interests.

10 years ago, who would ever have dreamt of going to a computer to learn how to control their bad dog’s behaviour – or to learn how to make origami figures, to bake a cake, to control their child’s temper tantrums, or to learn how to play guitar?

Today, these “life style” subjects are available, as are so many others that can add to our quality of life, as well as the more traditional study subjects-English, Maths, Biology, History, and even preparation courses for public exams such as GMAT, SAT, even advice on how to get scholarships to pay for College and University Education. So what is the attraction of doing courses on line?

There are many positives-including, but not limited to:

Price – Because most on line courses are already developed, there is no teacher to pay, as the teacher we see is a recording, and the materials have already been developed, so we are viewing a copy of the original-therefore the price can be kept relatively low.

Flexibility – We can study as often as we want- we are not dictated to by class schedules, so if we want to study in our underwear at 2 am, then we have no restriction.
We are not bound by the schedule of a class-room lesson in which we must dress appropriately, get to the location on time, and do what the teacher believes is best for the class average.

On Line, we can study as quickly or as slowly as we need- we don’t have to wait for the slow students to catch up, and we don’t ever feel when we don’t understand something and need extra time, that we are holding up the class progress. And we can take break when we want.

Variety – On line we can access a huge variety of classes applicable to our wants- We can take up a foreign language, learn how to cook, learn how to study more efficiently, how to use a computer to greater effect, how to improve our singing, learn how to read Tarot cards, do massage, and so many more life enhancing things. Can you imagine asking your local College to provide a course in Aquaculture Bioengineering Sustenance because you want to know what nutrients to give your Vietnamese Basa fish stock ?

Try before you commit – Most courses allow a “try for free” period before you pay. This is important because if you start and realize this is not what you wanted, then you can gracefully withdraw. Contact the teacher- With a lot of courses offered on line, there is a facility to e-mail or interface with the teacher if we have a confounding problem. Therefore there IS a personal touch available when we need it.

Are there disadvantages?

Yes of course there are: There will always be some subjects where direction from a teacher will be required in real time. For example, I would not like to trust my brain surgery to anyone who got an “on Line” Medical education. Nor would I trust an “on line” drivers licence – so whilst On Line education can provide a lot of subjects, and support for others, there will always be a place for the real life teacher or instructor.

In conclusion, when we want to improve our life, or our qualifications, or just our interests, the most affordable place to look, the place where there is a seemingly endless variety of life enhancing learning opportunities, with instant delivery, is our own computer. Open Internet Explorer and do what its name suggests. Explore the internet- You will be surprised by the variety you can find.

Continuing Medical Education

Continuing medical education helps medical practitioners and physicians stay updated on the latest breakthroughs in the medical field. It is important because of the fact that the latest knowledge of solutions to diseases and other discoveries helps in gaining a better understanding of any illness and thereby prescribing the cure.

The purpose of continuing medical education is to supplement research, expand and offer quality updated education for physicians and health care providers. Continuing medical education aims to retain, develop and enhance knowledge, ability and professional performance. This in turn helps doctors and surgeons serve patients and the community in a more effective and efficient manner.

Most continuing medical education institutions offer a complete series of learning experiences. This helps enhance the practitioner’s knowledge, provides updates and analysis, and expands specialized expertise. Most educational institutes construct its curriculum in such a way as to balance and complement the learner’s needs. Continuing medical education studies may include various forms of learning such as consultations and discussions, home studies and online courses. Visiting fellowships can also be a part of continuing education.

This process of classification, expansion and endorsement of principles used by physicians to enhance expertise usually results in improved medical care for patients. Continuing medical education is also termed as continuing professional development. Continuing medical education helps refresh the knowledge base, expand it and increase awareness of the professionals. It further enhances their dexterity and performance as a health care professional. These skill sets allow medical professionals to improve their services to patients and the public.

The main aim of continuing medical education is to cover skills generally recognized and accepted by the profession. The discipline of clinical medicine, and the provision of health care to the public are given utmost importance.