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  • Advisors and Learning Communities | Medical Education | University of Minnesota
    Advisors We are excited to have you participate in Learning Communities LC which will serve as a vehicle to promote self directed and patient centered learning through the use of active learning techniques and mentor models Faculty Advisors Longitudinal mentoring by dedicated clinical and basic science faculty for small groups of students will be the hallmark of Learning Communities You will be assigned to a Learning Community with two Faculty

    Original URL path: https://www.meded.umn.edu/entering_class/du/2014/advisors.php (2014-11-22)
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  • Resources for 2011 Entering Class | Medical Education | University of Minnesota
    the entering medical school class UMD Off Campus Housing University of Minnesota Medical School website Medical Education website Competencies Required for Graduation Financial Aid Fact Sheet pdf Coming soon Student Health Benefit Plan Center of American Indian and Minority Health Medical Student Manual Duluth PDF 1 2MB Coming soon Maps of UMD campus Smoke Free Campus Policy Smoking is prohibited on all UMD property The smoking ban includes indoor facilities

    Original URL path: https://www.meded.umn.edu/entering_class/du/2014/resources.php (2014-11-22)
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  • Debt Management | Financial Aid | Medical Education | University of Minnesota
    Interest on Education Loans which provides guidance to loan holders on the implementation of the student loan interest provision for tax year 1998 This provision allows qualified student loan borrowers to deduct interest paid on student loans up to a maximum amount This deduction was phased in over four years The maximum deduction is 2 500 Taxpayers may take the deduction only for the first 60 months of the loan s repayment period The amount of the deduction is phased out for borrowers who have Adjusted Gross Incomes between 50 000 and 65 000 100 000 and 130 000 for joint filers Loan Repayment The Medical School Financial Aid Office has computer software that can show the cost of repaying your educational loans in relation to your future income projections Monthly payment amounts payment beginning and ending dates amount of interest and total payments by loan type can be calculated For complete information as to deferment options forbearance options and other repayment types set up an appointment with one of the Medical School financial aid counselors to go over your specific loan portfolio An example of the type of information available utilizing our computer software follows Assumption Student will graduate in May 2014 and will begin a three year residency The student has borrowed a total of 177 000 The chart shows both a 10 year and a 25 year repayment period Loan Program Interest Rate Amount Borrowed Pay mo 10 yrs Total Interest Pay mo 25 yrs Total Interest Unsubsidized Direct Loan 5 41 140 000 1 814 77 682 1 022 165 505 Direct Graduate PLUS Loan 6 41 25 000 371 19 509 220 40 883 Perkins 5 0 3 000 35 1 248 University Trust Loan 7 0 9 000 104 3 540 TOTALS 177 000 2 324 101 979 1 242 206 388 Perkins and University Loans have only a 10 year repayment Repayment Options Most federal loan programs are set up with a 10 year repayment plan There are several types of programs available to students such as graduated repayment and consolidation that allow the Direct Loan Servicer to pay off your existing student loans and create one new loan You need to select a repayment plan prior to the time repayment begins If you do not select a repayment plan you will automatically be placed on the Standard 10 year Repayment Plan Following is information on a few of these programs Loan Consolidation Loan consolidation is a process that allows a student to consolidate previous federal educational loans into one new loan Consolidation is intended to help students manage their educational debt by offering services such as reducing the monthly loan payment enabling students to write one check per month to pay on their loans as opposed to a check for each loan graduated repayment and a locked in interest rate for the life of the loan The disadvantages of loan consolidation include the possibility of higher total debt from the extended repayment

    Original URL path: https://www.meded.umn.edu/financial/debt.php (2014-11-22)
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  • Loan Repayment/Forgiveness Programs | Financial Aid | Medical Education | University of Minnesota
    up to a maximum of four years the Board shall annually pay an amount equal to one year of qualified loans and the interest accrued on these loans For further information contact Brenda Flattum Office of Rural Health and Primary Care PO Box 64882 St Paul MN 55164 Phone 651 201 3870 Email brenda flattum state mn us www health state mn us divs orhpc funding loans Minnesota State Loan Repayment Program The program is similar to the NHSC Program but it only provides loan repayment for Primary Care Physicians Physicians may receive up to 20 000 per year in loan repayments through the Minnesota State Loan Repayment Program It is funded in part by a grant from the NHSC matching funds from the Minnesota Legislature The program creates five slots for Primary Care Physicians internal medicine family medicine obstetrics gynecology pediatrics psychiatry and geriatrics who agree to practice a minimum of two years at an approved site For complete information contact Debra Jahnke Office of Rural Health and Primary Care PO Box 64882 St Paul MN 55164 Phone 651 201 3845 Email debra jahnke state mn us www health state mn us divs orhpc funding loans Wisconsin Health Professions Loan Assistance Program Physicians may receive up to 50 000 in educational loan repayment if they are primary care physicians family medicine general internal medicine pediatrics psychiatry and obstetrics gynecology who agree to practice in designated medical shortage areas of Wisconsin for three years For complete information contact Wisconsin Office of Rural Health 310 N Midvale Blvd Suite 301 Madison WI 53705 Phone 608 261 1888 www worh org loan repayment For information on other State Loan Repayment programs https services aamc org fed loan pub National Health Service Corps Loan Repayment Program Physicians may receive repayment of up to 60 000 in health professions educational loans through the National Health Service Corps Loan Repayment Program NHSC LRP for a 2 year service commitment 170 000 in repayment is allowed for a 5 year service commitment In exchange for loan repayment participants are obligated to serve full time upon completion of training at a designated NHSC LRP site of their choice The program pays toward the participant s qualified government and commercial health professions educational loans for each year of full time salaried service The loan repayments are exempt from gross income and employment taxes These funds are not included as wages when determining benefits under the Social Security Act Selection is based on the staffing needs of the NHSC For physicians priority for selection will be given to those who have completed residencies in the following family medicine obstetrics gynecology pediatrics psychiatry geriatrics or internal medicine Service commitments are from two to four years to provide primary care services Applicants must have a valid license to practice in the assigned state at the time of service U S citizenship is required For applications contact NHSC Loan Repayment Program Application and Award Branch 5600 Fishers Lane Room 8 37 Rockville

    Original URL path: https://www.meded.umn.edu/financial/repayment.php (2014-11-22)
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  • Money Management | Financial Aid | Medical Education | University of Minnesota
    near other graduate professional school students Housing Services is open 8 00 am 4 30 pm M F Housing and Residential Life Comstock Hall East 210 Delaware St SE Minneapolis MN 55455 612 624 2994 www housing umn edu Housing for Students with Families Partners The University also provides housing for married students with or without children single parents and domestic partners There is usually a long waiting list but the length fluctuates during the year For more information contact Commonwealth Terrace Cooperative 1250 Fifield Avenue Falcon Heights MN 55108 651 646 7526 www umnctc org Como Student Community Cooperative 1024 27th Avenue SE Minneapolis MN 55414 612 378 2434 www cscc umn edu Before You Sign the Lease According to University Housing Services you should consider the following points before you sign a lease Rent How much When due Starting date Termination date Security deposit How much How and when is it refunded Damages Who pays for breakage or other damages over and above normal wear and tear Individuals or all occupants Subleasing Is it permitted What is the procedure Utilities What utilities are included in the rent When applying for utilities be prepared to pay a deposit or installation fee The person in whose name the utility is registered is legally responsible for the charges incurred Laundry facilities Are they available Any restrictions Inspection by landlord Will notice be given as to those who may enter and when Parking Is parking available Is it included in the rent or as an added charge Pets Are they allowed Is there an extra charge for having a pet Transportation Travel Don t allow yourself the luxury of a new car prior to medical school unless someone back home is paying the insurance maintenance and car payments The Medical School budget does not cover these expenses and you may find yourself financially strapped The University has relatively convenient and inexpensive public transportation You can access the Parking and Transportation Services website at www umn edu pts Here you will find suggestions and tips for commuting to from and around campus Another option would be to select an apartment near the Medical School and ride your bike or carpool with others Minimize your trips back home If you do travel attempt to find a group carpooling in your direction If you must fly make reservations far enough in advance to take advantage of super saver fares Books Supplies Find out from current students and via course websites which textbooks are recommended and or required If you sell your old books you will have more money available to buy new ones You can buy good reference volumes later in your career when you have more money available Many students buy and sell textbooks through the Message Board located on the Medical Student Website found at www student med umn edu A Word About Credit Cards When you use credit cards successfully you build a positive credit history Unfortunately credit card debt can also

    Original URL path: https://www.meded.umn.edu/financial/money.php (2014-11-22)
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  • Loan Agreement Terminology | Financial Aid | Medical Education | University of Minnesota
    have been missed the loan is considered to be in default If a loan is declared in default the entire unpaid balance and all accrued interest become due Deferment Conditions under which a borrower may request postponement of repayment obligations The circumstances under which a deferment may be obtained are listed on the loan agreement Interest may or may not be assessed during this period Deferments are not automatic you must apply for them Delinquent If a loan payment is not made on time or a deferment form is not filed on time the borrower is considered delinquent and may be charged late fees If a sufficient number of payments have been missed in sequence the borrower will be in default see above Disclosure Statement Statement of the actual cost of a loan which includes the interest rate and any additional finance charges Forbearance Under certain circumstances if a borrower is having trouble making payments during the repayment period the lender can exercise forbearance which will allow either a reduction in the amount of payment or require no payment for a limited period of time Interest will continue to accrue during this period Federal regulation states you may request yearly forbearance on Stafford and or Direct Loans during a residency Interest begins to accrue no payments are required and your credit rating will not be affected Grace Period The period of time between graduation or termination of study and when the loan repayment obligation begins The length of this interval is stipulated in the loan agreement and is applied automatically Interest may or may not be assessed during this grace period Insurance Fee A fee that covers default insurance for guaranteed student loans It is deducted from the principal and paid to the agency that guarantees the loan Interest The fee which is charged for the borrower s use of the money Customarily the percentage is indicated as an annual rate If the rate is fixed it remains constant for the life of the loan If the rate is variable the percentage will fluctuate periodically and is usually based on the rate of certain government securities There are two ways of calculating interest Simple interest is charged on the principal balance of the loan Compound interest is assessed on the original principal plus the amount of the unpaid interest Loan Consolidation A program that refinances certain loans by buying them and issuing the borrower a new combined loan with different terms The advantage to the borrower is that the debt can be restructured to create smaller payments over a longer period of time Loan consolidation is good for monthly cash flow but it does increase the total cost of borrowing Loan Forgiveness Under certain circumstances all or a portion of the loan obligation may be waived The conditions under which this forgiveness will occur are set forth in the loan agreement Loan Maturity The date when all principal and interest payments are to be completed Maker The borrower or individual

    Original URL path: https://www.meded.umn.edu/financial/terminology.php (2014-11-22)
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  • Years 1 & 2 Curriculum Overview | Student Handbook | Medical Education | University of Minnesota
    assess the biomedical literature Provide an introduction to patient care Help you develop your clinical skills to the level needed for Years 3 4 Adhere to the highest standard of integrity and honesty in all professional relationships Registration The Year 1 curriculum consists of three semesters Fall Spring and Summer Year 2 covers two semesters of coursework Fall and Spring Students are registered on a semester basis by staff in the Office of Education Students are registered according to the approximate times listed below Semester Registration Fall Early August Spring Early December Summer Early May You will receive an electronic billing statement via e mail which will detail your tuition and fee charges and account credits Although the Office of Medical Education registers each student the student is ultimately responsible for making sure they are registered for the correct courses each term and that they have been billed correctly Students must maintain at least three credits in any semester to be eligible for financial aid Review your charges every term and call the Office of Medical Education if have any concerns For registration issues contact Heather Peterson 612 625 4489 peter909 umn edu Student Grading Evaluation Transcripts Students receive grades Honors Pass No Pass from each course director upon successful completion of each course The top 20 of the class receive a designation of honors for their overall performance in each of the first two years Medical School grades are entered on a semester basis Grades may sometimes lag several weeks before appearing on the transcript It is a good idea to check your transcript at least once a semester to verify proper course enrollment and grade reporting Students may view their grades transcript or review other parts of their University record on line using the www onestop umn edu

    Original URL path: https://www.meded.umn.edu/handbook/curriculum/preclinical.php (2014-11-22)
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  • Years 3 & 4 Curriculum Overview | Student Handbook | Medical Education | University of Minnesota
    a cogent and complete medical history Conduct a complete physical examination Assess problems through an accurate and complete problem list Utilize knowledge of signs and symptoms in diagnostic evaluation Identify the social and psychological components of the patient s medical problems within the framework of the family s socioeconomic situation Formulate a reasonable differential diagnosis for each problem through prioritization and synthesis of information from the history physical examination and laboratory radiologic tests Formulate an appropriate diagnostic and management plan to confirm the diagnosis and to manage the patient Formulate an appropriate ongoing health care plan for the patient within the family s socioeconomic situation with an appropriate emphasis on prevention Learn independently using texts journal articles and appropriate medical and electronic resources in the study of the patient s problems Create life long learning habits Identify personal strengths and weaknesses related to medical competence These goals summarize the multiple clinical learning objectives which students will achieve by graduation Program Requirements Program Requirements for Years 3 and 4 include the following 76 total credits weeks 1 credit 1 week of clinical courses over two years 56 credits weeks in required courses see below 20 credits weeks in electives 8 credits weeks minimum hands on Twin Cities area or Duluth 12 credits weeks non hands on includes research international rotations etc and may be fewer with more hands on credits Required courses include the following Medicine I 6 weeks Medicine II 6 weeks Psychiatry 6 weeks Obstetrics Gynecology 6 weeks Pediatrics 6 weeks Surgery 6 weeks Neurology 4 weeks Primary Care Selective 4 weeks Family Medicine Medicine Pediatrics or Medicine Pediatrics Surgical Subspecialties Neurosurgery Orthopaedic Surgery Otolaryngology or Urology 4 weeks in one or 2 weeks each in two Emergency Medicine 4 weeks Registration The clinical curriculum consists of three semesters Summer Fall and Spring Summer Semester June August Fall Semester September December Spring Semester January May You will receive an electronic billing statement via e mail which will detail your tuition and fee charges and account credits Although the Office of Medical Education registers each student the student is ultimately responsible for making sure they are registered for the correct courses each term and that they have been billed correctly Students must maintain at least three credits in any semester to be eligible for financial aid Review your charges every term and contact a Financial Aid counselor if you have any concerns Rotation Scheduling The medical school has an electronic web based scheduling system Year 2 students are introduced to the scheduling system in January Initial student scheduling takes place in early March via the Lottery Students select the order and site of their required and elective courses during the Lottery Once the Lottery is complete students have the opportunity to adjust their schedules if needed Students have 102 weeks to complete 76 required credits leaving 26 weeks total of free time More information on Years 3 and 4 is available at http www meded umn edu year34 Rural Physician

    Original URL path: https://www.meded.umn.edu/handbook/curriculum/clinical.php (2014-11-22)
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