You should not be scared off from applying there just because of the absence of federally subsidized loans. The scary thing for me would be variable or adjustable rate loans. However, if you can get a fixed interest rate PNWU looks like a good deal financially. People are overlooking PNWUs low tuition and cheap cost of living.
PNWU will actually be cheaper than many other private DO programs even if you have to pay 8.5% interest on the first year borrowings. In fact if you have to pay 8.5% for all four years, PNWU is still a good deal.
PNWUs tuition is only $30,000 per year. In the first year you pay an extra one time only charge of $2,500. If your living expenses amount to $18,000 your total borrowing will be $50,500 for the first year. In eight years (including residency) that first year debt will grow to $96,991. That looks bad but things get better ESPECIALLY IF YOU CAN BORROW UNDER THE STAFFORD PROGRAM FOR YEARS TWO, THREE AND FOUR
In years two, three and four your total expenses will be $48,000. You might borrow $8,500 in subsidized Stafford loans, $32,000 in unsubsidized Stafford loans at 6.5% and $7,500 in Grad Plus at 8.5%. Unsubsidized Staffords and Grad Plus start accruing interest at disbursement. Year 2 grows to $71,504, year 3 grows to $67,429 and year 4 grows to $63,620. The total is $299,542 after four years of residency.
Even if PNWU NEVER GOT STAFFORD LOANS and you paid 8.5% on all loans your bill at the end of residency would be $332,433.
If you went to PCOM and paid $37,000 per year in tuition plus $23,000 in living costs your total bill at the end of a four year residency would be $348,355 and this assumes that you could take full advantage of subsidized and unsubsidized Stafford loans at 6.5%.
I, of course, dont know anything about residencies, quality of instruction etc.
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