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4 Tips for Medical School Applicants With Disabilities

According to a Journal of the American Medical Association study published in December 2016, 3 percent of medical school students have disabilities — although this may be an underestimation, since in my experience many students with mental illnesses don’t report their condition. Students’ disabilities most commonly are attention deficit hyperactivity disorder, learning and psychological disabilities and less commonly sensory and mobility disabilities.

[Learn more about applying to medical school.]

By disclosing a disability, students may receive reasonable accommodations during their studies. But, not surprising, prospective students may fear negative consequences with disclosing their disability on their application, even though it is illegal for schools to discriminate. Before you avoid this altogether, consider these tips.

1. Think about the benefits: If you benefited from accommodations as an undergraduate, it makes sense to at least report your disability to the medical school’s disability officer after matriculation.

Once you speak to the disability officer, the school is required to explore what you need and how to provide reasonable accommodations. The school can also review your rights, describe available accommodations and give you advice when you apply for board examinations.

The school will consider questions such as why you are requesting accommodations, how challenging it will be to provide them, whether there are valid reasons to deny your request and whether there are effective alternatives. These questions may sound discouraging, but in my experience school officials want students to succeed.

One young man, for example, could no longer walk following an accident. The school provided significant accommodations for him, including an expensive device that allowed him to be upright and learn surgical procedures.

[Discover how to negotiate graduate school as a student with disabilities.]

Once you report your disability, you may request accommodations, such as more time for a test or the ability to test in a room without distraction. If you have impaired motor skills, speaking skills or sensory ability, you are entitled to receive accommodations.

For example, some students may require a special stethoscope to hear cardiac changes. Others may need enlarged print or braille text. Still others may require sign language interpreters, tutors or special classroom equipment.

If you approach the disability officer early, you will have time to gather any required documentation. Your records are important for determining accommodations early in medical school and may be necessary when applying for your board examination.

2. Be aware that re-evaluation may be necessary: Understand that you may be required to undergo a re-evaluation — this may be required, for example, when your documentation is inadequate, old or doesn’t state the accommodations needed.

This may also be the case if your documentation doesn’t fulfill the criteria of an ADHD diagnosis and prescription for stimulants. If this is the case, you won’t be able to get your medications until you undergo a re-evaluation, which could take several months and possibly extend into the school year.

3. Consider the pitfalls of not reporting: Although you may be tempted not to disclose a disability — or not report one early enough — that decision carries several potential consequences.

If a need arises during medical school and you haven’t disclosed your disability, accommodations may not be available for you quickly enough. The school is also only obligated to accommodate you after you have reported the disability. If you wait until after you’ve failed an important exam, for instance, accommodations cannot be applied retrospectively.

Finally, keep in mind that your accommodations may be delayed if you are referred for re-evaluation.

4. Choose a school that’s best for your needs: As you consider whether to disclose your disability, be sure that you have also chosen a medical school that will best meet your needs.

First, be sure to review each school’s technical standards that you will be required to meet, with or without accommodations. Keep in mind that these vary by institution and can change each year; schools are required to notify students of the changes.

[Discover six signs of a compassionate medical school.]

Second, review accommodation limits. Schools are not required to offer accommodations that fundamentally change their curriculum, especially with respect to clinical care.

Schools also are not mandated to permit part-time attendance when full time is required. That is not to say that a student needs to attend school if they have a viral infection, but it is less likely a school would allow a student to participate on a part-time basis over a prolonged time.

According to the JAMA study, testing accommodations are most common during basic science training. Receiving accommodations during the clinical years is more challenging, and fewer medical schools reported offering these.

If you dream of becoming a doctor, don’t let a disability dissuade you from applying to medical school. The Association of American Medical Colleges website offers a wealth of information, including case law decisions, and is worth reviewing to see how students have benefited from the Americans with Disabilities Act, Section 504.

The AAMC describes all the steps, from application to graduation, and explains important details about decisions. Do your homework and connect with other students in similar circumstances — and you’ll be well prepared to make a decision that’s right for you.

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4 Tips for Medical School Applicants With Disabilities originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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