oliviajane said:
I'm starting at 34 and still have to finish pre-med. Any M.D. school in the U.S. won't take me. I talked to one of the Deans at CWRU about it. D.O. school will, and I'd prefer the D.O. model anyway. For loan purposes, people past the age of 25 at start (of pre-med) are considered a "bad investment." Which is why I'm probably going to have to go to school in another country. As long as I'm not depending on the government to loan me money for med school, the U.S. won't have an issue with me getting a degree elsewhere; they just won't loan me the money after my B.S.
I first did my BA in Musicology, then received a M.M. in Trumpet performance when I was around 23-24ish. I did some work with a few operas and symphonies but was unable to land a steady gig. When I was 25 or so, I studied for my MCATs, got amazing scores on them (43-Q I believe), and was easily able to enter a U.S. medical school ... I applied to Hopkins, Hershey, Yale, Harvard, Temple, FSU, and Columbia ... I was only rejected from Yale.
At the end of my first year (top of my class), my father and grandfather both passed away within a couple months of each other. I had to take a year off to manage everything with estates, finances, insurance, medical bills, etc... so when I was ready to come back (after studying hard-core the entire time I was on leave), I was unable to secure loans, because being 25+, having outstanding student loans from undergrad, masters, and my first year of medical school, as well as now having no cosigners, I couldn't obtain loans for school and my medical school would not finance me themselves.
I did consider leaving the U.S. in order to finish medical school, as well as enlisting in the military to attend the USUHS and become a physician through the military ... but alas, none of these seemed a pragmatic decision given where I was in my life and that I had no savings to relocate. After bouncing around for a year or two between employment as well as in and out of homelessness, I eventually met my fiancee and started studying math and physics again.
I'm now looking at getting back into a fully funded PhD program (in 2012-2013) for mathematical neurology or biophysics to do work with neurological systems modeling and disease research ... in lieu of what I would have ended up doing: clinical neurologist ... so it's close enough to make me happy, I think.
I say good luck and just stay focused, I'm sure there's a way for you to get where you want. It may be a pragmatic move to go outside the U.S. for medical school considering it is very true that you have profound difficulty getting med school loans after 25 especially if you have any other debt.