The average cost is $60,000 per year for public medical schools, and even higher for private

公立醫學院的平均費用為每年6萬元，私立醫學院的費用更高。

medical schools. The average debt for medical students graduating in 2017 was close to $200,000.

醫學院。2017年畢業的醫學生平均負債接近20萬美元。

I was fortunate enough to graduate with actually very little debt. I'll show you how to do

我很幸運，畢業時其實負債很少。我會告訴你如何做

the same.

同樣的。

What's going on guys, Dr. Jubbal, ‪MedSchoolInsiders.com‬. Quick shout out to the Patreon supporters

你們怎麼了，朱波博士，醫派內參網。快速向Patreon的支持者喊話

that voted for me to make this video. If you want to vote for upcoming video topics and

投票給我，使這個視頻。如果你想投票給即將到來的視頻主題和

get a bunch of other perks, visit the Med School Insiders Patreon page. Link in the

獲得一堆其他特權，訪問Med School Insiders Patreon頁面。鏈接在

description below.

下面的描述。

Now the funds to pay for medical school will come from one of three sources: you and your

現在，支付醫學院的資金將來自三個來源之一：你和你的家人。

family's pockets, loans, and scholarships or grants. You want to minimize the first

家庭的口袋、貸款和獎學金或助學金。你要儘量減少第一個

two and maximize the latter, which is free money. Let's go over each one.

兩者，並將後者最大化，也就是自由資金。我們來一一介紹一下。

First, most schools will ask for your and your parents' financial information. Even

首先，大多數學校都會詢問你和你父母的財務資訊。甚至

if your parents are not going to contribute a dime to your medical education, schools

如果你的父母不打算為你的醫學教育貢獻一毛錢，學校。

often require their tax information in determining who they should offer financial aid to. Remember,

往往需要他們的稅務資訊來決定他們應該向誰提供財政援助。記住：

your parents are not required to contribute to your medical school education expenses,

您的父母不需要支付您的醫學院教育費用。

so be very grateful if they contribute at all. My parents were not able to contribute

所以如果他們有貢獻的話，要非常感激。我的父母沒有能力貢獻

to my college or medical school costs, but I was still able to become a doctor with very

我的大學或醫學院的費用，但我仍然能夠成為一個醫生，非常。

little debt in the end. We'll get to how I managed to do that shortly. 

最後還欠了一點債。我們很快就會知道我是如何做到這一點的。

Next, loans. There are three main categories of loans: federal, school, and private. Federal

其次，貸款。貸款主要有三類：聯邦貸款、學校貸款和私人貸款。聯邦貸款

and school loans generally have more favorable terms, such as longer periods of deferment

和學校貸款一般都有更優惠的條件，如較長的延期付款期等。

and lower interest rates. Private loans have some of the worst terms, and should be avoided.

和較低的利率。私人貸款的條件最差，應該避免。

Only sign private loans when absolutely necessary.

只有在絕對必要的情況下，才會簽署私人貸款。

When you start medical school, you'll be served a financial aid package which will summarize

當你開始上醫學院的時候，你會收到一份經濟援助方案，其中會總結出

your school's offerings for federal and school loans, grants, and scholarships. It's important

您的學校提供的聯邦和學校貸款、助學金和獎學金。重要的是

to create a realistic budget for yourself and only take out loans for the amount of

為自己制定一個切實可行的預算，並且只貸款額度。

money that you actually need. You'll be paying interest on every dollar you take out. Again,

你真正需要的錢。你要為你取出的每一塊錢支付利息。再說一遍

only take the amount you actually need.

只取你實際需要的數量。

I initially was planning on giving you a detailed summary of each type of loan and the optimal

我最初是打算給大家詳細總結一下每一種貸款類型，以及最佳的

strategy in signing up for loans to minimize your long term cost and interest. However,

簽約貸款的策略，以最大限度地降低您的長期成本和利息。然而，

I wasn't able to fit all of that in this video. If you would me to cover those topics in a

我不能夠把所有的內容都放在這個視頻裡。如果你想讓我在視頻中涵蓋這些主題。

future video, leave a comment down below so that I can gauge interest.

未來的視頻，在下面留言，這樣我就可以測量興趣。

With recent changes in the education budget on a national level, federal loans are not

隨著最近全國範圍內教育預算的變化，聯邦貸款不

nearly as favorable as they were a few years ago. However, some subsidized school loans

幾乎和幾年前一樣優惠。不過，一些助學貸款

will not accrue any interest for the period of medical school, and sometimes even through

在醫學院期間不會產生任何利息，有時甚至通過

residency. That's right, you don't even have to pay back for inflation! These are awesome

居住權。沒錯，你連通貨膨脹的錢都不用還了!這些都是真棒

loans, so if you are offered them, I highly recommend taking them. 

貸款，所以如果你得到了它們，我強烈建議你接受它們。

Private loans generally have the highest interest rates and are not included in most forgiveness

私人貸款的利率一般都是最高的，而且不包括在大多數的寬免範圍內。

programs. Loan forgiveness programs are a popular way to reduce your overall loan burden.

貸款豁免計劃。貸款豁免計劃是減少您的整體貸款負擔的一種流行方式。

They are most advantageous for students with significant debt. The way it works is simple

對於負債累累的學生來說，他們是最有利的。它的運作方式很簡單

- you work for a organization, employer, or program for a set period of time, and in return,

- 你為一個組織、僱主或項目工作一段時間，作為回報。

you receive either partial or complete loan forgiveness or loan repayment. 

您可以獲得部分或全部貸款豁免或償還貸款。

The Department of Education's Public Service Loan Forgiveness program offers loan forgiveness

教育部的公共服務貸款豁免計劃提供貸款豁免。

for working in the government or non-profit organizations. After making 10 years of monthly

為在政府或非營利組織工作。賺取10年的月薪後

payments, the remaining loan balance is forgiven. The National Health Service Corps offers a

付款，剩餘的貸款餘額將被免除。國家衛生服務團提供

loan repayment program for those in primary care specialties practicing in under-served

為在服務不足的地區從事初級保健專業的人制定的貸款償還計劃；以及

areas. There are also a few options through the military.

地區。也有一些通過軍隊的選擇。

Now on to the fun part, free money. The main reason I was able to graduate with such little

現在說說好玩的部分，免費的錢。我之所以能以這麼少的錢畢業，主要原因是

debt is through obtaining scholarships and grants. 

債務是通過獲得獎學金和助學金。

When you first get accepted to medical school, I recommend reaching out to the financial

當你第一次被醫學院錄取的時候，我建議你去接觸一下金融。

aid office, even before classes start, and asking them about what scholarships or grants

助學辦公室，甚至在開學前，詢問他們有什麼獎學金或助學金。

are offered. Most medical schools keep a list of annual scholarships and grants, many of

是提供的。大多數醫學院都有一份年度獎學金和助學金的名單，其中很多是

which you may be eligible for. Awards are not just for good grades. Eligibility criteria

您可能有資格獲得的獎項。獎勵並不只是因為成績好。資格標準

widely varies - some may be specific to a certain background or ethnicity, specialty

差異很大 -- -- 有些可能是特定於某一背景或種族、專業的。

or practice type, religion, home town or place of birth, etc.

或信仰類型、宗教、家鄉或出生地等。

In addition to reaching out to your school's financial aid office, definitely search online

除了聯繫學校的財政援助辦公室外，一定要在網上搜索

for medical student grant and scholarship offerings. I have links to websites and resources

醫學生助學金和獎學金的提供。我有網站和資源的鏈接

I personally found useful down in the description below.

下面的描述中，我個人覺得有用下來。

Now the juicy part. Here's a little known secret that can make the difference of hundreds

現在是多汁的部分。這裡有一個鮮為人知的祕密，它可以使數百人的差異。

of thousands of dollars: if you get accepted to multiple medical schools, let them incentivize

數千元：如果你被多所醫學院錄取，就讓他們激勵你。

you to come to their school over others with scholarship offers. Obviously, you need to

你來他們學校，而不是其他人的獎學金提議。很顯然，你需要

me accepted to more than just one medical school. Simply send an email to the admissions

我被不止一所醫學院錄取。只需發送電子郵件到招生部門

office, explain you are interested in their program but are weighing other acceptances

辦公室，說明你對他們的項目感興趣，但正在權衡其他的錄取情況。

as well. Ask if there are any scholarship or grants they can offer to reduce your out

以及。詢問他們是否有任何獎學金或補助金可以提供，以減少您的損失。

of pocket cost. After sending out these emails to the schools I was accepted to and interested

的費用。在給我被錄取的學校和感興趣的學校發了這些郵件之後

in, I was able to get almost all of my medical school paid for. Had I not sent out these

在，我能夠得到幾乎所有的醫學院的費用。如果我沒有發出這些

emails, I may have been in hundreds of thousands of dollars in debt. 

電子郵件，我可能已經在幾十萬元的債務。

Now I'm going to say this not to toot my own horn but for full transparency: I was a highly

現在我說這些並不是為了吹噓自己，而是為了完全透明。我是一個高度

competitive medical school applicant, obtaining interview offers at the majority of schools

競爭激烈的醫學院申請者，獲得大多數學校的面試錄取。

I applied to, interviewing at most of the top medical schools, including 3 of the top

我申請、面試了大部分頂尖的醫學院，其中包括3所頂尖的醫學院。

4, and gaining acceptances to several. Ultimately, I went to a program I was excited about because

4所，並獲得了幾所的錄取。最終，我去了一個我很興奮的項目，因為...。

of its location, the people, and the culture. And did I mention the location? They also

的位置，人，和文化。我有沒有提到它的地理位置？他們還

offered me their highest merit based scholarship and I only took small loans to cover a portion

給我提供了他們最高的基於成績的獎學金，我只借了小額貸款來支付一部分。

of my living expenses.

我的生活費的。

Many of the largest scholarships, like the one I received, are merit based, and are offered

許多最大的獎學金，就像我收到的一樣，都是以成績為基礎的，並提供了

to students with stellar medical school applications. This means having a top MCAT, GPA, research,

給具有優秀的醫學院申請的學生。這意味著要有頂尖的MCAT、GPA、研究。

and being well rounded with impressive extracurriculars. A compelling personal statement and crushing

並以令人印象深刻的課外活動全面發展。一份令人信服的個人陳述和壓倒性的

it on interview day with refined interview skills are also essential. You have to be

在面試當天，它與精緻的面試技巧也是必不可少的。你必須要

a beast of an applicant. And I want to help you be that stellar applicant.

申請人的野獸。而我想幫你成為那個優秀的申請者。

Now while its impossible to guarantee merit based scholarships, multiple advisors on ‪MedSchoolInsiders.com‬

現在雖然其不可能保證基於成績的獎學金，但MedSchoolInsiders.com上的多位顧問。

also earned sizable or even full ride scholarships to medical school. These are real doctors

也贏得了可觀的甚至是全額的醫學院獎學金。這些都是真正的醫生

who were top performers. At MedSchoolInsiders we don't settle for anything less. We can

績優者。在MedSchoolInsiders，我們不會滿足於此。我們可以

show you exactly how we did it, and teach you from our own first hand experience of

向你展示我們是如何做到的，並從我們自己的親身經歷中教你。

success. If you want to be a stellar applicant and receive one-on-one advising, tutoring,

的成功。如果你想成為一名優秀的申請者，並接受一對一的諮詢、輔導。

interview preparation, personal statement or secondary editing, mentorship, or any of

面試準備、個人陳述或二次編輯、導師制或任何一項

the other services we offer, visit ‪MedSchoolInsiders.com‬. Our services will help you become a much stronger

我們提供的其他服務，請訪問MedSchoolInsiders.com。我們的服務將幫助您成為一個更強大的

applicant, which increases the chances that you too will receive scholarships. And that

申請人，這就增加了你也能獲得獎學金的機會。而這

means saving a lot of money. Talk about a good investment.

意味著節省了很多錢。說到好的投資。

Check out these emails I recently received from YouTube subscribers. These were fans

看看我最近收到的這些來自YouTube用戶的郵件。這些都是粉絲

who watched the channel who went to the website and purchased our services. The reason they're

誰看了頻道誰去網站購買了我們的服務。他們的原因是

so happy is because of our results. We're different from any other medical school admissions

這麼高興是因為我們的成績。我們和其他的醫學院招生不一樣

consulting company for two reasons. First, our advisors are all real doctors who have

諮詢公司有兩個原因。首先，我們的顧問都是真正的醫生，他們有

performed exceptionally in their field. And second, unlike any other company, we have

在他們的領域中表現出色。其次，與其他公司不同的是，我們有... ...

a proprietary systematic methodology that ensures the best possible results. We align

我們採用專有的系統化方法，確保取得最佳效果。我們調整

your goals and interests with those of our advisors - they don't only love mentoring

您的目標和興趣與我們顧問的目標和興趣相一致--他們不僅熱愛指導

and paying it forward, they're also incentivized to give you the best possible service. That's

和付出，他們也有動力給你提供最好的服務。這就是

why so many of our advisors go above and beyond what they're asked for, and why our customers

為什麼我們的許多顧問會超越他們的要求，以及為什麼我們的客戶

have been so impressed.

一直以來，印象深刻。

For a limited time, use the coupon code SCHOLARSHIP15 for $15 off your purchase of $100 or more.

在有限的時間內，使用優惠券代碼SCHOLARSHIP15，購買100美元或以上可優惠15美元。

As always, thank you all so much for watching. Let me know in the comments below if you want

一如既往，非常感謝大家的觀看。如果你想要的話，請在下面的評論中告訴我。

me to make a video going into more detail about the different types of loans, or any

我做一個視頻，更詳細地介紹不同類型的貸款，或任何。

other video requests you may have. If you know someone else going to medical school

其他視頻要求，你可能有。如果你認識其他要去醫學院的人

and you want them to have less than $200,000 of debt, please share this video with them. 

而你想讓他們的債務少於20萬，請把這個視頻分享給他們。

If you liked the video, make sure you press that like button. Hit subscribe if you have

如果你喜歡這個視頻，一定要按那個喜歡的按鈕。點擊訂閱，如果你有

not already, and I will see you guys in that next one.

還沒有，我會看到你們在下一個。