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Giovana Pinheiro, MD
United States
เข้าร่วมเมื่อ 3 พ.ค. 2020
Hi friends! Welcome to my channel! I am a family medicine physician, and I will be sharing videos on topics relevant to pre-meds, medical school applicants, and medical students. My goal is to empower anyone and everyone who is interested in pursuing a career in medicine--you can do it!!
A bit about me: I was born in Brazil, raised by my Brazilian parents, but I've lived in the U.S. for the majority of my life. I love to travel and meet new people, and I have a passion for all things pregnancy, childbirth, and baby related.
I'm really eager to help any and all students who are considering a career in medicine, so please always feel free to email me with any questions you may have. I'm not an expert by any means, but I'm always willing to share my own experiences and tips and tricks I've learned along the way!
A bit about me: I was born in Brazil, raised by my Brazilian parents, but I've lived in the U.S. for the majority of my life. I love to travel and meet new people, and I have a passion for all things pregnancy, childbirth, and baby related.
I'm really eager to help any and all students who are considering a career in medicine, so please always feel free to email me with any questions you may have. I'm not an expert by any means, but I'm always willing to share my own experiences and tips and tricks I've learned along the way!
Medical School FEDERAL LOANS & DEBT // CRASH COURSE
Hi friends! In today's video, I'm sharing with you everything I know about medical school federal loans! It was a struggle for me to figure out how to start navigating the world of loans, so I really hope this video can help you!
And also, as an FYI: for those of us taking out federal loans now (2020), we are currently at 0% interest until September 30th as part of our stimulus package for the coronavirus pandemic. I suspect (or at least hope) the 0% interest will be extended for at least a few more months with the new stimulus package, but we shall see!
#medicalschool #medicalstudent #premed
And also, as an FYI: for those of us taking out federal loans now (2020), we are currently at 0% interest until September 30th as part of our stimulus package for the coronavirus pandemic. I suspect (or at least hope) the 0% interest will be extended for at least a few more months with the new stimulus package, but we shall see!
#medicalschool #medicalstudent #premed
มุมมอง: 13 132
วีดีโอ
How I Got Into Medical School // My Journey & Tips for Pre-Meds
มุมมอง 6K4 ปีที่แล้ว
Hey friends! Today I'm sharing my journey that led to me eventually getting accepted into med school, and I've definitely added a few tips in there that helped save my butt for all of my pre-meds who are just getting started. Let me know if you all have any questions, and I'd love to answer them!! #medicalschool #medicalstudent #premed #medschool #collegestudent #howigotintomedschool
How I Made My Medical School List // A PERSONALIZED Approach for Med School Applications
มุมมอง 1.6K4 ปีที่แล้ว
Hi friends! In this video, you'll learn about the process of how I made my final medical school list for the application cycle. I'll reiterate once again here that there's no one way to go about making your list. But above all, TRUST YOUR INTUITION (a tip that goes a long way throughout the application process)! Check out my other videos for med school applicants, and make sure to subscribe! Th...
8 Tips for a Successful VIRTUAL Medical School Interview - Interviewing during the COVID-19 Pandemic
มุมมอง 2.1K4 ปีที่แล้ว
Hey friends! The coronavirus (COVID-19) pandemic has changed a lot of things...one of them being the way some medical schools are going to go about conducting interviews. It may sound intimidating, but with the right preparation, you will SHINE! I did lots of virtual interviews while applying for gap year positions, and I found that many of the things I did to be successful could easily transla...
The Costs of Applying to Medical School - I Spent HOW MUCH to Apply?!
มุมมอง 1.2K4 ปีที่แล้ว
Hi friends! Welcome to my very first video! I'll be sharing about what costs to expect when applying to medical school, as well as the exact breakdown of the costs I had when applying. The costs vary so much from applicant to applicant, but I hope this video will be helpful in making a preliminary budget. Let me know if you all have any questions, and if you're watching and have been through th...
This year 2024 8.08% direct Stafford un subsidized. and 9.08% Direct Graduate Plus
Dear Giovana, excellent video, so clear and helpful. It will surely help students and parents alike. Keep doing the good work. Bless you 🙏🏻
You are soooooo real for this video!!! Thank you so much
Sooo helpful!!
You are an angel sent from Heaven above thank you for this - literally so much more helpful than the entrance counseling
I was wondering. The medical student doesn't have to have a job to get loans to cover the entire cost??? And the student doesn't need the parents to sign the promisery note, is this correct???
great video
Thank you so much for creating this video!!
Very helpful. Just finished my first term and already got hit with the loan amount and it was a little scary.
Super helpful thank you!!
What should I wear to my son white coat ceremony?
This is an extremely helpful video!! Thank you! I was wondering if you are paying your interest off now or just letting it accrue? Also, is there aw way to see how much you owe (is that on the Student Aid page?
Hi there! I'm glad this video was helpful! Because the 0% interest pause is continuing through September 1st of this year, I haven't actually had any interest accumulate thus far. I'm starting my 4th year now, so I'll have a little less than a year of interest accumulation for all my loans I've taken out before I can even consider making payments as a resident. So to answer your question, yes, I'm going to let my interest accrue and capitalize. And you can see how much you owe on your student loan servicer page (in my case, it's Mohela--you'll be assigned a servicer) as well as when you log on to the studentloan.gov website!
Great video. If you take out say $50,000 for academic year one and you pay off interest accumulated to avoid capitalization and then take another 50,000 for year 2; does interest continue accumulating on year one balance while still in school? Thank you! Steve
Hi Steve, yes it does. However, note that capitalization only happens at the end of your grace period after you graduate from medical school. So until then, interest will accrue daily but won't be added to your principal balance. If I had the funds to pay off interest to avoid capitalization, I'd pay it all off for all my loans towards the end of my grace period right before it capitalizes so that I could maintain my original principal balance. Let me know if that answers your question!
Im positive but realistic. What if you fail med school or don’t pass the licensure exam?
Hi Juan, I'm with you--It's good to consider all scenarios when taking out such a large sum of money. Unfortunately, if you stop your studies for any reason, you'll owe the full amount of loan you take out.
for the grad plus loan MPN , do you have to list your employer?
Hi Kyle, I'd check with your specific school's financial aid counselor because I'm not sure if different schools approach the MPN differently. My counselor was able to help me fill it out. I didn't list an employer.
So helpful, thank you!!
You're so welcome!
Is it just me or is the new interest rate like 7+?
For 2023-2024, it's 7.05% for direct unsubsidized loans and 8.05% for direct PLUS loans. Brutal, I know!
🥹🥲
This was extremely helpful, thank you.
I'm so glad to hear that, you're welcome!
knowing me I would spend 1000 dollars on food alone 🤣
Are your parents required to cosign?
Sadly the government and Biden are willing to give billions away to foreign countries for dubious reasons and leave the best and brightest med students here to struggle, begging for the opportunity to serve and practice medicine rather than reforming this deeply flawed system.
I see a medical cow :O, lol. I think that was from Kaiser university (can't remember). But love your video!
What an amazing video! Thank you for giving your own examples to make it much easier to understand. This is a better vid than a lot of the big channels have made that I’ve watched!
Thank you so much! I really appreciate the feedback! It's a tough topic for sure.
Great video with such a genuine energy and a lot of informative content! Thank you for not simply cutting out e.g. the "60 years in Texas" mistake but laughing instead: this makes the whole thing sound way less formal and more like a conversation with a friend.
applied to one MD school and got in. yolo. interview was online coz covid. Im sure I spent the least possible but yeah statistically apply to 10 schools if youre not insane like I am
So i just got accepted into med school to matriculate in 2022. I already did FAFSA back in October and listed the schools I thought I had the best chance to get into, which turned out to be a pretty accurate list so I don’t have to go back and edit the school list. When should I start applying for the Direct Grad Plus Loan? It doesn’t look like it’s up yet for the next school yr.
The last time I read it says April of 2023
One of the best videos I have watched on this topic. Thank you
Hey! Thank you for doing this - it's super helpful. But, I am a bit confused - on the federal student aid's website it says there is a max of $20,500 given for unsubsidized loans annually. How were you able to receive $42,000 without taking the grad PLUS?
Health professions students like MD students are able to take additional amounts on loans without the need of going for a federal direct grad plus loan. Hope that helps!
how much school did u apply to?
Lol jokes on them huge tax deductions !
Wow thanks !!!
Very helpful, thank you.
This video was helpful! Thanks!
I'm so happy you found this video helpful--navigating loans is definitely a tough process! Welcome to my channel, and thank you for watching!
This video was so helpful! Thank you!
I'm so glad! Thank you for watching, Milin!
Hi! Could you tell me how much we can borrow for med school per year pls? (Federal loans)
Hi! So the amount you're able to borrow each year is dependent on your school's tuition + cost of living (i.e. total cost of attendance). There's currently a $138,500 lifetime loan limit for the Stafford unsubsidized loan, so anything beyond that will be covered with the Grad PLUS loan (both are federal loans). Your school has its own way of allocating how much will be offered in the Stafford loan vs the Grad PLUS loan on a yearly basis. But overall, you can borrow up until your school's total cost of attendance each year, which should be more than enough to cover everything you might need over the course of the academic year!
@@giovanapinheiromd but what if your credit isn’t good enough for a grad plus and I max out in my 3rd year of Med school? There has to be an option so that I don’t have to leave Med school. It would be so devastating to owe so much and not even being able to finish Med school. This would crush me and my family
Watching this since i'm planning to apply to medschool this june :)
Ah, congrats!! Good luck, you've got this!
If I may know which university/ college do you finally choose?
Hi Riza! Welcome! I'm not disclosing the school name on TH-cam for two main reasons: 1) I want to be able to be fully honest about my experiences, which includes the good but also the bad, and 2) I'd like to keep it clear that I'm representing myself and only myself in my videos and never my school so as to avoid any potential issues with that.
@@giovanapinheiromd it is okay. actually I just want to find out what is the first priority for student to determine which uni to take? Is it location or any other factor.Thanks anyway
@@rizalukman7982 Check out my video that I made titled "How I made my medical school list," and that one has all the factors that I considered when choosing a school!! Location is a huge factor, but personally finances was also a big deal for me. And looking in retrospect, I also thinking having a pass/fail grading system should've also been a bigger factor for me than it was considering it has really helped my mental health to not be in a graded system. At the end of the day, there are so many factors that people could consider their first priority, but I would say cost of tuition is what ultimately ended up selling me on my school.
@@giovanapinheiromd thank you
@@rizalukman7982 Of course! Let me know if you ever have any more questions, and I'll be happy to help!
Did you ever make a video on the application process for Texas schools as an out-of-state applicant?!
Hi Kristen! No, I haven't yet! But please feel free to reach out and let me know if you have any specific questions, and I'd be glad to help in any way I can!!
Congrats on getting accepted to medical school! Its stories like this that keep so many medical school hopefuls motivated to push on and reach their goals. Thank you for being so candid in your video! I especially like the part of your video speaking to volunteering experience in rural Nicaragua. Giving back is so important! I'm hoping to give back to the pre-med community as well! I just recently put a video up on my channel going into a few of the strategies I used to get accepted into medical school. I hope that it helps some of you guys out! Check it out. th-cam.com/video/TQuvap7jRoU/w-d-xo.html
então vc é brasileira
This was so clear and helpful! You broke it down really well- thanks for doing this :)
Thanks Pooja! I'm so happy you found it helpful!
Thanks. It would be interesting to see a picture of how these loans accumulate over the years, and how looks like your overall financial picture at the time you become an MD.
Thanks for making this whole loan situation way more understandable!
You're very welcome!!
So informative - thank you!!
Hi Andrew! Thank you so much for watching, and thank you for your feedback!
Great video!! Please also add visual context to your videos
Thank you for watching, and thank you so much for your input! Always appreciated!!
I really liked how you talked about dropping the Intro Bio course and planning to take it the next Fall in order to maximize your performance, alongside the guidance of your professor. I think that this is something that your premed advisors don't necessarily tell you about, so thanks for sharing that narrative!! It also is super helpful hearing from someone who has gotten into medical school that they also made mistakes throughout their undergrad classes but actively took steps to learn from them and that this didn't stop them from getting to where they wanted to be! We don't often hear about people's hiccups, so this was super inspiring!
I'm SO SO happy to hear that you find my journey and my own challenges along the road helpful and inspiring! I'm very far from perfect, BUT I still made it to med school--which is exactly the message I was trying to bring across in this video! Thanks for watching, Pooja!!
I’m currently a med student TH-camr and these are really helpful tips for me applying to residency in the fall! Thanks for sharing! Best wishes and blessings! Feel free to reach out if you need anything & other premeds/current students are welcome as well!
Hi Asia! That's so awesome that you're getting ready to apply for residency! Which specialty are you wanting to go for? Good luck with everything, and thank you so much for checking out my channel!
Giovana Pinheiro, MD in the Making 😊Thank you, Family Medicine!
@@AsiaSee31Thirty Whoo hoo, that's so exciting! Best of luck to you, my friend!
Giovana Pinheiro, MD in the Making thank you!
Your insights on the medical school process are really helpful! Especially as we are currently experiencing a pandemic and will be doing virtual interviews for who knows how long.
Thanks Yarinha! I'm SO glad you found my videos helpful! It's definitely going to be a new and interesting process for applicants this cycle (and possibly even applicants next cycle and beyond), but all we can do is make the best of this situation and hope that schools are effective in transmitting their information and culture to applicants online. Good luck, and let me know if you ever have any questions!!
Jesus med school applications are expensive... I loved the breakdown of the costs for each interview. That was really helpful in planning for future med school interviews. Interestingly, now I want to visit Texas.
Thank you for watching my video, Yarinha! The application process really is expensive and requires some thoughtful budgeting! I'm so glad my breakdown helped you. (P.S--definitely visit Texas! I love it there!!)
This video is so helpful! I really appreciated your honesty about staying away from applying to schools that are so expensive because the cost can be sky high and sooo overwhelming.
I'm happy this video was helpful to you!! To me, the cost of certain schools definitely did overwhelm me when compared to other options. That's why I do think it's worth it to apply to in-state schools since their in-state tuition rates are usually significantly more cost effective than their out-of-state tuition rates. Good luck with your application cycle, and let me know if you have any questions that I could help you with!