:: The Headache Diaries ::

:: The Headache Diaries ::

Welcome! Enjoy some of the finer pages of online ramblings out there! If you have found this page through BlogSpot, please visit my homepage using the links on the sidebar. Inspired by the certainty of my headaches, "The Headache Diaries" may include my headache log. I also like to log other things such as people, places, and things that I don't like, as well as people, places, and things that I do like.

:: Welcome to The Headache Diaries :: bloghome | email | text (int'l): 1-784-496-8260 ::
[::..MadUniverse Portals..::]
Headache Diaries Home
MadUniverse Home
Hit Counter by Digits WebCounter
[::..Files To Download..::]
GMAT Essays and Prompts
MCAT Essays and Prompts
Amino Acid PowerPoint
Enzymes PowerPoint
Bchem Problems and Answers
[::..Other Universe Portals..::]
Lou's Universe
Yves Rocher
My Library
Robot Unicorn Attack!
Chemistry Tetris
Math Pac-Man

[::..Business School Stuffs..::]
ASU MBA - Evening
ASU MBA - Online
ASU MBA - Traditional
U of A MBA Full-Time
NYU MBA Part-Time
Baruch MBA
Quinnipiac Online MBA
Rutgers Flex MBA
Hofstra MBA
Pepperdine MBA
Booth MBA
Smeal MBA
Fordham MBA
GMAT Handbook 2012
PR GMAT Practice
Kaplan GMAT Practice
Official GMAT Practice Tests
MBA Programs by GMAT
Universal Recommendation Letter
[::..Medical School Stuffs..::]
[::..Feed The Fish..::]
[::..Phases of the Moon..::]

moon phases
[::..Position of the Planets..::]
[::..Visitors From the Ether..::]
[::..My Books..::]
[::..Books I Have Read..::]
Jane's  book recommendations, reviews, quotes, book clubs, book trivia, book lists
[::..Verse Of The Day..::]
[::..I Likes..::]
[February 2003] [March 2003] [April 2003] [May 2003] [June 2003] [July 2003] [August 2003] [September 2003] [October 2003] [November 2003] [December 2003] [January 2004] [February 2004] [March 2004] [April 2004] [May 2004] [June 2004] [July 2004] [August 2004] [September 2004] [October 2004] [November 2004] [December 2004] [January 2005] [February 2005] [March 2005] [April 2005] [May 2005] [June 2005] [July 2005] [August 2005] [September 2005] [October 2005] [November 2005] [December 2005] [January 2006] [February 2006] [March 2006] [April 2006] [May 2006] [June 2006] [July 2006] [August 2006] [September 2006] [October 2006] [November 2006] [December 2006] [January 2007] [February 2007] [March 2007] [April 2007] [May 2007] [June 2007] [July 2007] [August 2007] [September 2007] [October 2007] [November 2007] [December 2007] [January 2008] [February 2008] [March 2008] [April 2008] [May 2008] [June 2008] [July 2008] [August 2008] [September 2008] [October 2008] [November 2008] [December 2008] [January 2009] [February 2009] [March 2009] [April 2009] [May 2009] [June 2009] [July 2009] [August 2009] [September 2009] [October 2009] [November 2009] [December 2009] [January 2010] [February 2010] [March 2010] [April 2010] [May 2010] [June 2010] [July 2010] [August 2010] [September 2010] [October 2010] [November 2010] [December 2010] [January 2011] [February 2011] [March 2011] [April 2011] [May 2011] [June 2011] [July 2011] [August 2011] [September 2011] [October 2011] [November 2011] [December 2011] [January 2012] [February 2012] [March 2012] [April 2012] [May 2012] [June 2012] [July 2012] [August 2012] [September 2012] [October 2012] [November 2012] [December 2012] [January 2013] [February 2013] [March 2013] [April 2013] [May 2013] [June 2013] [July 2013] [August 2013] [September 2013] [October 2013] [November 2013] [December 2013] [January 2014] [February 2014] [March 2014] [April 2014] [May 2014] [June 2014] [July 2014] [August 2014]

:: 8.30.2012 ::

I Am Here!!

Well, that was a doozy!!

Seems the last time I was on here, I was filling out my loan stuff! Now here I am, thousands of miles away on St. Vincent ready to start!

Anyway, I know I was going to post the specs of the loan, so here is the rundown: Trinity offers two types of loans. They are both private loans, no government loans. The first is offered through SLFC, or Student Loan Finance Corporation. They have the best offer out of the two but you need a credit score of at least 670. You don't need a cosigner if you have that credit score. They only charge origination fees as a percentage of the total loan, about 6% or so. The interest rate starts at 9.25% and can change with the market, thus making it a variable interest loan. There is some risk involved in a variable loan. Just think back to the early 80s when interest rates were in the teens. Yup. Anyway, this loans "caps" (laugh) at 18%. So, even if the market goes to 21%, you only pay 18%. Yippee!! This loan maxes out at about 250k. You have to pay a minimum of $100 a month no matter what and the real payments can be deferred until you finish residency. Of course, by then, you will be in much debt. But cheer up! You're a DOCTOR!

The other loan is offered through EdInvest. I didn't sign up for that one!! It charges many fees, including $5,000 (yes you read that correctly) EACH TERM. Why? Because you must apply for this loan EACH TERM. The other loan lasts for three semesters. You don't need to make minimum payments, but you get waaaaaay less in cash for yourself because you have to pay all those fees. So make sure you have someone at home that can fill your account with some cash. And you need a credit score of about 650 I think. So if you don't have a job but you have decent credit, you will have to get this loan. Sorry! Well, the interest rate is a little lower at about 8.75%, but that doesn't counteract the fees. It's just a pretty bad loan, but it's there if you need it. The max is higher at about $300k, but with all those fees, you will be in debt for about $600k!!!!! OUCH!!!!! Good luck!

So my trip here was long, as anticipated, since I was going to have my slumber party at GAIA, the airport in Barbados. Some bellhop guy tried to get me to buy him some duty free vodka, and I refused. WTF do I look like? Anyway, he was mad so I had to carry my own bags as they do not have "smarte carts" there like other airports. Whatever! I'm not getting arrested for your stupid ass. So I passed through customs, smiling at the mean-faced agent, who quickly turned nice when she saw someone she knew. That was good for me because she said "You're going to St. Vincent?" and I said "yes, I am a student there." and she said "Okay", and waved me through so she could talk to that woman. I was glad because I was worried they would tax me on all the chocolate I brought in. So I made my way to the water fountain to fill my bottle then went to my usual seat by the 110v plug. They only have two at GAIA, so I go to the one by the picnic table. It's not too bad if you stay overnight. Just make sure you wear long pants and a long sleeved shirt because the mosquitoes will get you! This time they bit my knee and my hand. Not too bad. The main problem is the internet is very spotty. The first time I got there, I had no connection. The second time, I had a good connection. This time, it was off and on. Well, I do have Bejeweled on my computer so I have something to pass the time.

The other good thing about GAIA is that the receptions start to open at 4:30am. Liat opens closer to 5:00am. I get in line around 4:45 and I am never first! Well, it went smooth enough. I had two checked bags and two carry-ons. I asked the guy if I could take the printer as my second carry-on and he said yes! I was soooooo happy cuz I was scared they would say no. Well, I had a tiny laptop roller bag as my other carry-on, so maybe that is why he was okay with it. Since I had the less crowded flight, I was sure that I would get all my bags when I arrived. Since I had two checked bags, one is "Excess" and rides as a standby. I have heard some stories about Liat and their treatment of bags, but mine came in with me. So maybe that is the way to do it. If you take the full flight, your stuff won't make it? Well, I hope my luck doesn't run out!

I made it to St. Vincent in one piece, although I slept through the whole flight because I was so tired. I didn't sleep well before I left, maybe two hours, then I didn't sleep at all in Barbados. When I cam in, I unpacked, met my roommate and went to bed by 5:30pm. I didn't get out of bed until 9:00am the next day.

I met one of my roommates. I will have two. She is nice... so far, ha ha! Anyway, She gave me some of her veggies to eat yesterday which was nice. Today, we went into town to get her an x-ray for her hand and so I can set up my phone! I am so excited I have a real phone to call home now! Not like at AUC! Oh Lord, I was so annoyed. So yes, I have a cool GSM phone and service! Yay!!

I am really happy that I am here! I am very comfortable here, and I think that will go a long way in how well I can do here. This time, I will stick it out for one whole semester. And if it goes well, I will go on. If it doesn't, then I will call it quits. So no worries!

Tomorrow we go into Kingstown. I was going to go by myself, but hey you can't beat a free ride. So I will go with everyone. It will give me a chance to see what's up with my Fedex stuff. I hope I can get my white coat in time! I think I will! Anyway, I wanted to go back so I can exchange my money and buy some stuff to send home.

Even though it's midnight here, I am still on Arizona time, so it's only 9. Maybe I should try to go to bed? I don't know. I do know that I am going to sign off! Goodnight!

:: Jane Dee 9:40:00 PM [+] ::
:: 8.02.2012 ::

Hooray! I was approved for the loan!

I know I said I would post the two types of loans, but today I am super busy. I will post them tomorrow or later today if I have time. I have too many chores!

But I am excited that I was approved. The only issue I have now is the letters of recommendation. Only one came in so far! I need one more. I emailed the school to ask how it will work if the letters don't come in on time. They should, but I can say definitely yes. I just need one more to come in, but three more were supposed to. They have been kinda slow uploading the letters to my file, so some may have arrived. I am also waiting on the KCC transcript. They took forever last time. I hope it comes in! Otherwise, I may have to go there and get one!!! UGHHH!

Well, I better get moving on everything. I am going to be super tired today!

:: Jane Dee 5:41:00 AM [+] ::

This page is powered by Blogger. Isn't yours?