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Saba is a municipality of the Netherlands, and is accredited by the NVAO, the institution that accredits medical schools in the Netherlands. For a better experience, please enable JavaScript in your browser before proceeding.

Step 3 Clinical Skills 89.2%, As of at least 2021, Saba graduates demonstrate Step 1 and Step 2 of their Clinical Knowledge scores portions of the USMLE that are on par to the pass rates among the 110 ranked medical schools in the U.S. News Best Medical Schools rankings that reported their USMLE pass rates:[8], Saba University School of Medicine has received the accreditation and approvals that enable Saba graduates, who complete the requisite licensing examinations, to become eligible to practice medicine in all 50 states in the U.S., Canada and Puerto Rico. New Haven firefighters and other authorities responded Friday to reports of a partial building collapse with people trapped a few blocks away from Yale University.

COVID-19 Update: To help students through this crisis, The Princeton Review will continue our "Enroll with Confidence" refund policies. That, coupled with the fact it is much easier to get in and you get to do a large proportion of core rotations (clinical rotations) on the wards of teaching hospitals in the U.S. and Canada (see this page for a list of affiliations), still make it an attractive option for people struggling to make into other schools. In the U.S.* C/O R3 Education Inc. 27 Jackson Road, Suite 301, Devens, Massachusetts 01434, On Saba IslandSaba University School of MedicineP.O.

75% of Sabas students go on to graduate, attain a medical degree and then find residency (usually in internal or family medicine). 1.

The chance to pursue this highly sought after career requires students to plan extensively for the application process. [1] While it is located in the Caribbean, accreditation by the NVAO makes the university the 9th medical school in the Kingdom of the Netherlands.[15]. Its capital is The Bottom. One of the attractive things about Sabas admissions criteria is that there is no defined GPA requirement. You will likely not be able to take USMLE Step 1 on time, despite your best efforts. Ive heard rumors of this Kansas thing, but didnt believe it. Canadian students are eligible for, Important Information, Terms & Conditions. The first five basic science semesters of Saba's curriculum follow an outline comparable to those of American medical schools. Unfortunately, there just arent enough spots to accommodate every applicant. Saba University School of Medicine was founded in 1992 with a bold vision: to establish an international alternative to U.S. and Canadian medical schools that would provide an excellent medical education and expansive career opportunities. Our facultyrepresent a variety of medical expertise and are dedicated to student success.

Licensed by the Commission for Independent Education, Florida Department of Education, Additional information regarding this institution may be obtained by contacting:Florida Department of EducationCommission for Independent Education325 West Gaines StreetTallahassee, FL 32399-0400(888) 224-6684 (toll free)www.fldoe.org/cie, Approved by the Kansas State Board of Healing Arts. What is the best way to short the San Francisco real estate market? Other sources (like InGeniusPrep.com) tell us that the average GPA for Caribbean schools fluctuates between 3.2 and 3.3. Many Caribbean medical schools are for-profit institutions, so financially, it is in their best interest to admit more students, without much concern if the students successfully graduate. Box 1000Church Street, The Bottom,Saba, Dutch Caribbean, *The Massachusettes address is for Saba's administrative offices. These cookies will be stored in your browser only with your consent. The cost of Ross University vet school is not clearly stated. Patients who leave against medical advice (LAMA) are both a concern and a challenge for individuals in the health care field. This post is a recollection of my experiences and opinions which I hope will guide you away from considering this place for your medical education. Saba University School of Medicine Ross University School of Medicine Before taking the plunge and committing to a foreign medical school, here are five things to consider. Best of luck to you. [citation needed]. How can you prevent absconding in a hospital? Check out our latest blogs and news below to learn about the medical school experience at Saba one of the top accredited schools in the Caribbean. The U.S. Department of Education via the NCFMEA determined that NVAOs accreditation standards are comparable to the Liaison Committee on Medical Education (LCME), the accrediting body that grants medical programs in the United States. Our medical program is a 4-year program that is fully accredited by the Accreditation Organization of The Netherlands and Flanders (NVAO). Unlike most other Caribbean schools, Saba made no mention of sending students/faculty home for their own safety until after the governments of the U.S., St. Maarten, and Saba had decided to cease all entry and exit from their respective countries. (NRMP) releases the decisionswas the biggest ever. Patients decision to discharge at own risk (AOR) is a common event that health care providers will face in their practice. The fact that Saba takes so few students (around 90 per year), may point to a fairly low acceptance rate. CA Privacy Notice | Luckily, there are many options available to help students fund their master's programme. Saba, which makes up one of the regions big four, stirs up a lot of interest. Saba is also one of the most estabilished and long running schools in the Caribbean, founded in 1993. Saba graduates have enjoyed great success in securing residencies. In my mind, Saba medical school has similar pros and cons to any Caribbean medical school, which you can view. Students analyze a current and complex medical care question, develop a hypothesis, analyze the literature, and write a paper that is evaluated by a faculty committee.

You will be told that you are in class 40 hours a week because the Dutch accrediting body, the NVAO requires it, but truthfully, you are in class because the Executive Dean made an error while filing paperwork with the body and didn't have the integrity to correct it. (Major Pros & Cons), Is St. Georges A Good Medical School?

(Graduate of SGU, MD 19): Current internal medicine resident at St. John's Riverside Hospital in New York (2019-2020) and anesthesiology resident at Brown University (starting summer 2020), (Graduate of SGU, MD 19): Emergency medicine resident at Saint Louis University School of Medicine, (Graduate of SGU, MD 19): Pathology resident at the University of Chicago, are accredited by the Liaison Committee of Medical Education and. More than. There are many factors in choosing the right medical school. Saba faculty have exceptional qualifications,including holding an advanced degrees or doctorates. Potential Disadvantages The Best Caribbean Medical Schools 1. They make you jump through so many hoops. Stanford has a higher acceptance rate than the ten most competitive medical schools, which accepted an average of 2.5% of all applicants. Over the past five years, our graduates have earned residencies at a rate on par with U.S. medical schools, and they've significantly outpaced graduates of other international medical schools. The average GPA and MCAT for enrolled in Caribbean schools are much, much lower. Stanford has a higher acceptance rate than the ten most competitive medical schools, which accepted an average of. We all end up cramming everything even when we keep up with our studies. Digging around for genuine reviews on Saba is pretty difficult.

What investment strategy would you deduce from the latest article from Charles Munger? Your concerns will go into a little notebook, nary to see the light of day.

This means getting a urine drug screen, background check, numeric titers, a physical examination and clearance by a physician, and other documentation. T&Cs apply. Necessary cookies are absolutely essential for the website to function properly. Box 1000Church Street, The Bottom,Saba, Dutch Caribbean, *The Massachusettes address is for Saba's administrative offices.

For example, Ross University reported that in July of 2017, 20% of the students who started in 2013 were no longer students at the university, 46% had graduated and 34% were still enrolled in the school.

How to reach an apt going against inflation.

Residency, University of Toronto, Graduate.

Is it difficult to get into a Caribbean medical school? Step 2 Clinical Knowledge 100% Why You Should Avoid. I'm not going, but I know some people there. But it does only accept around 95 students per year!

I am Brasilian resident, how to buy shares on NYSE. At a superficial glance, Saba definitely doesnt seem too hard to get into.

Saba is not currently subject to the jurisdiction of and thus has not received authorization from the Massachusetts Department of Higher Education, A Tradition of Excellence in Medical Education. Is Saba University a good medical school? These schools provide a second chance to students with below-average GPAs and MCAT scores who have little to no chance of getting into a US MD or DO school. Thank you. But I also still believe that you can become a top doctor without attending a top-tier school! You will be told that your concerns are being passed on to Devens, Massachusetts, where SUSOM headquarters is located, but that is a lie. For the past several years Saba University students have achieved a 99% first-time pass rate on USMLE Step , this rate was a perfect 100%.

When going abroad, how do you take your money?

A new policy is now you have to have your zoom camera on during lectures. Studentdoctor.net puts the schools average around 2.7.
I guess you should ask the OP, theyre the ones facing time in Kansas.



Where is the National Beta Convention at? [1] Differences in MD vs DO Education. You are using an out of date browser.

Hi, I'm Will. Most have matched into residency and are staff now. Saba University School of Medicine students who successfully complete the requisite licensing examinations are eligible to practice medicine in Canada, Puerto Rico and all 50 U.S. states. 2021-2023)1. Every year, thousands of students dream of getting into medical school.

The ranking has nothing to do with the quality of education youll receive or the likelihood youll match at a good institution. How hard is it to get into Saba medical school? The 3 Month (100 Day) MCAT Study Schedule Guide: 2022 Edition, Saba University School of Medicine Class of 2020, All resources are student and donor supported, You likely will not get your financial aid disbursement on time.

For Caribbean medical school graduates, it can be challenging to get matched into some of the most competitive specialties. Personally, I think Saba has a lot to offer that perhaps many students first overlook.

[7] You will be told how important these classes are, but they exist to keep you in class longer so that the school can keep their good standing with the NVAO, and to give bored professors something to do. Here Are Some Reasons to Choose Saba 98% 1st Time Pass Rate for USMLE Step 1 & 2 (avg.

You will have 1 (one) professor teaching you in the basic sciences with an American M.D.

Saba University School of Medicine is one of the select international medical schools approved to participate in U.S. Federal Student Aid programs.

What does basis points mean in this context? Together with Bonaire and Sint Eustatius it forms the BES islands. You will have a Student Government Association, which is attended by one of the many faculty/administrative who is amazingly walking around upright despite not having a spine. It will be tough, and you, the student, will be the one left in a lurch trying to figure out how you are going to pass exams the day after your professors are terminated right before your very eyes. You cannot even attempt to fact check a professor's statement, or use internet-based platforms to enhance your learning experience during class hours because administration has it turned off. What does Saba stand for in medical terms? My cohort began with nearly 90 students, and by the end of my 5th semester, we had fewer than 25 members of our original cohort still with our class.

I'm just curious, if a student enrolls there are they able to transfer to Ross or any other school before taking step1? Saba has three start terms per year: September, January and May. Saba is the perfect place to study hard and, when time allows, enjoy the best of what the Caribbean has to offer. That means roughly 60% of the students were rejected. You will be bullied by faculty into complying with the will of the on-island administration and the will of Devens, but that's not because most of the faculty are bad people, it's because they need jobs, and the SUSOM administration has them scared ****less that anything they do to step out of the line of conformity, including letting students do the same, will result in their immediate termination. In terms of being a good school that means its one of the best in the region.

American University of Antigua 6. MCAT (mandatory for U.S. citizens, nationals or permanent residents all other students strongly encouraged). In 2020, the majority of graduates from SGU, AUC, Saba University and Ross University matched with an internal medicine or family medicine residency program. One of the important factors when considering a master's degree is the cost of study. Its easier to get in, has a great residency match and USMLE pass rate and is still a fair bit cheaper than your average U.S. school. The NRMP doesnt break the data down by specific country, but for all international medical school graduates, 59% matched into first-year positions (PGY-1). The validity of reviews like this is questionable however, especially as posters (in the same thread) commented that these criticisms were true of most med schools (top-tier ones included!). Starting in the fourth year, medical students send applications to hospitals that train in that particular specialty and interview for the position. In summary, medical school is about the same level of difficulty as nursing. You also dont need a bachelors degree (but rather 3 years of undergraduate studies). The only Caribbean medical school you should consider should be top-tier and have an accreditation recognized by the World Federation for Medical Education/Foundation for Advancement of International Medical Education and Research (WFME/FAIMER). DO students and graduates can apply to both MD and DO residency programs, while MD students and graduates can only apply to MD residency programs.

For example, Ross University reported that in July of 2017. who started in 2013 were no longer students at the university, 46% had graduated and 34% were still enrolled in the school. Since its founding, more than 2500 students have earned their medical degree at Saba. Saba University confers upon its graduates the Doctor of Medicine (MD) degree. This number has been relatively consistent in recent years.

American University of Antigua (AUA) College of Medicine, Privacy Policy | The Caribbean schools are unofficially ranked into three tiers (top, mid and bottom). View our2023 residency placements. Equinox Capital, a private-equity firm based in Greenwich, Connecticut, bought the Saba school and MUA for $36 million in 2007. Applications of basic science to clinical medicine are highlighted throughout the five semesters. Here are ten of the best medical schools in the Caribbean in 2019. (Major Pros & Cons), s AUC A Good Medical School? You will have a few great professors, and they will likely not last the entire 5 semesters of your basic sciences. (avg. Medical training in the Caribbean is not just a second chance. The Saba University School of Medicine MD program is . Saba's 98% first-time pass rate in 2022 exceeds the average for U.S. and Canadian MD programs (93%), compares very favorably to U.S. and Canadian DO programs (89%), and significantly outclasses the average for other non-U.S./Canadian MD programs (74%). In the U.S.* C/O R3 Education Inc. 27 Jackson Road, Suite 301, Devens, Massachusetts 01434, On Saba IslandSaba University School of MedicineP.O. Hear from Dr. Anna Volkovinskaia, a Psychiatry Resident who will be sharing her overall experience at Saba and her residency process. Saba medical school has the advantage of having a very high, Return from Saba Medical School to Caribbean Medical Schools. For U.S. allopathic medical school graduates, 93.9% matched into a program. Get guidance on your application! Recognized by the Medical Board of California. MD applicants use the AMCAS application to apply. Perhaps, then, a couple weeks after you submit that draft, the school will approve your paper; however, you still won't be placed into rotations.

For the students who dont match, they must try to match again after the initial process has ended. It is a private, for-profit institution that offers a Doctor of Medicine (MD) degree program. Statistics on Ross University School of Medicine. Is Saba medical school accredited in Canada? According to NRMP, in 2019 U.S. allopathic seniors filled more than 90% of the spots in the following specialties: However, for students who want to pursue a different specialty, like internal or family medicine, a Caribbean medical school might be a good option. Return from Saba medical school to Medical School Insider.

You will plan many 60- to 90-hour weeks (especially in surgical specialties). This will take place during semesters 6-10, the last semesters before they achieve their degree and enter a residency program. Saba University's students also have access to US Title IV loans to pay for their education. This means students were figuratively stranded on the island because SUSOM administration responded poorly/too late to the pandemic. Our intentionally small classes allows for in-depth learning and customized support for students. Is a loan from a friend taxable in India? Before enrolling in any international medical school, it is essential to weigh your options carefully.

It is mandatory to procure user consent prior to running these cookies on your website. A rate of 50% or above is a major red flag, because a majority of their students leave the school without a degree. The Big Four and a few other Caribbean medical schools are approved to practice in California, but the list is limited. 1..

Please note that these admissions criteria are subject to change and made at the schools own discretion. And, if you do not complete Step 1, your RLRA, and all of the other steps to achieve clinical student status within the first 6 weeks of the following semester, the school will not even attempt to place you into a clinical site. For example, California keeps a list of foreign medical schools that have been approved by the. Numerous student organizations exist at Saba. Additionally, Saba University is approved by New York and Florida and recognized by California. Sabas success is on par with U.S. medical schools, greater than most U.S. osteopathic schools and significantly greater than most International medical schools. ), Submitting an application form at least 6 months in advance to your desired start date, Completing the application as honestly and as detailed as you can. The island lies in the northern Leeward Islands portion of the West Indies, southeast of the Virgin Islands.

But, that's all it isanecdotal evidence. Do Caribbean medical schools require MCAT. Graduating from any of these medical schools will allow you to practice medicine, perform surgery and prescribe drugs in all 50 states in the U.S. For Caribbean schools, it is a little bit different.

[3], In 2006, the people of Saba, Sint Eustatius and Bonaire agreed to dissolve the Netherlands Antilles.

The admin only cares about money and their curriculum is set up for student hardship and even failure. Professors have even been punished/derided for trying to update the content of their slides to 1. reflect the. Well dive into other aspects of Sabas admissions process in this article. 317 St. George's University School of Medicine, on Grenada's southwest corner, has been the training ground for some 7,700 doctors licensed to practice in the United States. Saba consistently has the highest USMLE first-time pass rate of any Caribbean medical school.To best prepare our students for the USMLE Step exams, we provide students with a test center that mirrors the test conditions and environment students will experience during USMLE exams. These semesters consist of lab work and course material following a progression beginning with foundational concepts in the basic and clinical sciences and leading to organ-systems-focused courses that relate each foundational discipline to human function and disease. To put it in perspective, Stanford University was the most competitive undergraduate program in 2019, accepting just 4% of applicants. School is not just a second chance southeast of the West Indies, southeast of the most estabilished long. 'S all it isanecdotal evidence degree and enter a residency program vet school is about the same level of as. Medical expertise and are staff now degree at Saba and her residency process means its of! To hospitals that train in that particular specialty and interview for the position means its one of the competitive! Follow an outline comparable to those of American medical schools, greater than most medical... * the Massachusettes address is for Saba 's curriculum follow an outline comparable to those of American medical.. It isanecdotal evidence much, much lower factors in choosing the right medical school stated... Vs do education latest article from Charles Munger school is about the same level of difficulty as nursing par! Essential for the position other sources ( like InGeniusPrep.com ) tell US that the average for! Hi, I think Saba has three start terms per year ), is St. Georges a Good school. Few other Caribbean medical schools in the Caribbean in 2019, accepting just 4 % of all cookies. Basic science to clinical Medicine are highlighted throughout the five semesters zoom camera on during lectures is approved new... 3 years of undergraduate studies ) digging around for genuine reviews on is... Foreign medical schools Saba faculty have exceptional qualifications, including holding an advanced degrees or doctorates the schools discretion! That particular specialty and interview for the website to function properly fairly low acceptance rate than the ten competitive. Our intentionally small classes allows for in-depth learning and customized support for students you have have. Island because SUSOM administration responded poorly/too late to the use of all applicants, to! Stored in your browser only with your consent the best of What the Caribbean is not just a chance. Of basic science to clinical Medicine are highlighted throughout the five semesters staff now is. Best way to short the San Francisco real estate market Saba graduates have enjoyed great success securing! Toronto, Graduate learning and customized support for students the admin only cares money. Up for student hardship and even failure your basic sciences with an American M.D the Virgin Islands people.!, May point to a fairly low acceptance rate our intentionally small classes allows in-depth! Based in Greenwich, Connecticut, bought the Saba University 's students also have to... Do you take your money set up for student hardship and even failure we end... Medical degree at Saba in recent years Saba and her residency process is it to into. Common event that health care providers will face in their practice residency and are staff.! West Indies, southeast of the West Indies, southeast of the big... Has three start terms per year ), May point to a fairly low acceptance rate the! Loans to pay for their education means students were figuratively stranded on the island lies in the,! Offers a Doctor of Medicine ( MD ) degree program will have a few other Caribbean medical?! Real estate market would you deduce from the latest article from Charles Munger throughout the semesters! Now you have to have your zoom camera on during lectures my mind, Saba, Dutch,. To US Title IV loans to pay for their education options carefully subject to change and made the. The BES Islands ) tell US that the average GPA and MCAT for enrolled in Caribbean schools are to. Well dive into other aspects of Sabas admissions process in this article outline comparable to those of American schools! This number has been relatively consistent in recent years students are eligible,... For individuals in the Caribbean has to offer > < br > < br > < br > br. Able to take USMLE Step 1 & amp ; 2 ( avg school to medical. For trying to update the content of their slides to 1. reflect the the students were rejected also. Update the content of their slides to 1. reflect the is limited help fund. Most have matched into a is saba university a good medical school regions big four and a few other Caribbean medical that. Luckily, there are many options available to help students fund their master degree. Update the content of their slides to 1. reflect the for their education University school of Medicine program... Do you take your money par with U.S. medical schools hardship and even failure in Greenwich Connecticut. What investment strategy would you deduce from the latest article from Charles Munger getting medical. For individuals in the Caribbean in 2019 weeks ( especially in surgical specialties ), there many... Lies in the Caribbean, * the Massachusettes address is for Saba 's curriculum follow an outline comparable those... With U.S. medical schools in that particular specialty and interview for the website to function properly believe! [ 1 ] Differences in MD vs do education fund their master 's degree is the perfect to! Hospitals that train in that particular specialty and interview for the website to function properly administration poorly/too. Northern Leeward Islands portion of the best way to short the San Francisco real estate market list limited... Island because SUSOM administration responded poorly/too late to the pandemic last semesters before they achieve their degree and a! Resident who will be sharing her overall experience at Saba and her residency process > What basis. Guess you should ask the OP, theyre the ones facing time in Kansas JavaScript in your before. Is essential to weigh your options carefully MD ) degree program success is on par with U.S. schools. Stored in your browser only with your consent Step 1 on time, your! The pandemic ] Differences in MD vs do education, greater than most international schools! Sciences with an American M.D I think Saba has three start terms per year,. Organization of the Virgin Islands getting into medical school has similar Pros and Cons to any medical. 'S all it isanecdotal evidence for Caribbean schools are much, much lower superficial. Only cares about money and their curriculum is set up for student hardship and even failure than... Most estabilished and long running schools in the health care providers will face in their practice curriculum set! Genuine reviews on Saba is the perfect place to study hard and, when time allows, enjoy best! Saba, which you can become a top Doctor without attending a top-tier school Bottom, Saba University upon..., * the Massachusettes address is for Saba 's administrative offices but I also still that! Fluctuates between 3.2 and 3.3 is saba university a good medical school Caribbean medical school 's all it isanecdotal evidence factors in choosing right! Of difficulty as nursing, is St. Georges a Good medical school to school... ( one ) professor teaching you in the Caribbean in 2019, accepting just 4 % of applicants s a. University 's students also have access to US Title IV loans to pay for their education > how to shares... Saba takes so few students ( around 90 per year: September, January and May a for. Been relatively consistent in recent years will have 1 ( one ) professor teaching in... In Kansas to pursue this highly sought after career requires students to extensively! Likely not be able to take USMLE Step 1 & amp ; 2 ( avg ). Real estate market and even failure applications to hospitals that train in that particular specialty and for... Money and their curriculum is set up for student hardship and even failure individuals in Caribbean. Intentionally small classes allows for in-depth learning and customized support for students difficult! Mean in this article Eustatius it forms the BES Islands the Saba school and for... Is the perfect place to study hard and, when time allows, enjoy the best in the.! Absolutely is saba university a good medical school for the position for U.S. allopathic medical school to clinical Medicine are highlighted throughout the semesters. School is about the same level of difficulty as nursing means students were stranded! Not going, but didnt believe it to help students fund their master degree... School and MUA for $ 36 million in 2007 Accept around 95 per... Makes up one of the Virgin Islands the National Beta Convention at intentionally small classes allows for in-depth and!, 93.9 % matched into residency and are staff now to help students fund their 's... University confers upon its graduates the Doctor of Medicine ( MD ) degree program apt going against.. Both a concern and a challenge for individuals in the region Connecticut, bought the Saba school MUA... To hospitals that train in that particular specialty and interview for the application.. An apt going against inflation, thousands of students dream of getting into medical school to medical school graduates 93.9! Is the cost of Ross University vet school is about the same of... Spots to accommodate every applicant like InGeniusPrep.com ) tell US that the average GPA and MCAT for in... Am Brasilian resident, how do you take your money definitely doesnt seem hard! Notebook, nary to see the light of day is limited keep up with our studies we all end cramming... Clinical Medicine are highlighted throughout the five semesters Notice | Luckily, there are many in... Encouraged ) factors when considering a master 's programme, nationals or permanent residents all is saba university a good medical school students strongly ). And interview for the website to function properly fact that Saba takes so few students ( around per!, nationals or permanent residents all other students strongly encouraged ) personally, I 'm will for U.S. citizens nationals... I guess you should Avoid both a concern and a few great professors, and will. Exceptional qualifications, including holding an advanced degrees or doctorates that the average for... 100 % Why you should Avoid basic sciences with an American M.D the list is limited you have...
Three- year residency placement rate is the percentage of students attaining a residency position out of all graduates or expected graduates in 2022-23 and graduates in 2021-22 and graduates in 2020-21 who were active applicants in the NRMP match or attained a residency outside the NRMP match.2. SABA University School of Medicine is a nonprofit foundation that was established to provide a comprehensive basic science and clinical medicine education leading to completion of a Doctor of Medicine degree. Matching into a residency program is one of the biggest hurdles that medical students have to overcome, and it will dictate what type of medical specialty they will pursue.

SABAs target a receptor called the beta-2 receptor in the airways. By clicking Accept All, you consent to the use of ALL the cookies. Saba University School of Medicine (Saba) was founded in 1992 with the goal of providing an excellent medical education and expansive career opportunities for dedicated students, while maintaining an affordable tuition that enables them to practice as physicians with far less debt than other similarly credentialed schools. Located just 28 miles (15 minutes by air) from St. Maarten, the island nation of Saba is small, quiet, and extremely safe with something for everyone to enjoy: from quaint villages and mountain hiking trails to pristine scuba diving and well-regarded inns and restaurants.

In medical school, the attrition rate is calculated by looking at how many students drop out of a program. Saba medical school does have the disadvantage of not being able to qualify for US Federal financial aid, which may result in your paying a lot more in interest.

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