martes, 1 de septiembre de 2015

The new way of scamming medical students at Unibe Costa Rica

It was very hard to sit today and write about a subject that really hurts me. It hurts because I saw so many of my good friends being scammed by one particular medical school here in Costa Rica.
So here is what came to realize just the other day.
Caja Costarricense del Seguro Social is an entity that controls the health public sector here in CR. They are also responsible for assigning openings to all Medical schools, (private and public) a number of openings per year per school for clinical rotations.

How can a school scam you if everything is so crystal clear?

Well, easy, they accept all applicants. Usually there's between 3-5 groups with 27-35 students per group for a total of up 140 students by third block.  Everything goes well up until they get to the "filter". This is at the fourth block (there's 3 quarters per year, you can refer to my post Semesters vs Quarters http://medicalstudentunite.blogspot.com/2015/01/quarters-vs-semesters-options-in-costa.html)

Fourth block consists of the following classes:
-Fisiologia (physiology) 6 credits
-Bioquimica (Biochemistry) 4 credits
-Histologia (Histology) 4 credits
-Embriologia (embriology) 3 credits
-Ingles (English) 2 credits
Even if your first language might be english you still have to take a costly proficiency exam.

Biochemistry and physiology are very hard to pass. When I say hard doesn't mean you must study hard, means no matter how hard you study, you won't pass. Passing rate for physiology is less than 6%. This past quarter, only 9 out of 74 people passed.





For biochemistry no one passed. I don't have the exact number for total students but must be about the same as physiology. However 28 people got to take an extraordinary exam.
(Here in CR, if your final grade is under 70 but above 60, you are allowed to take an extra exam called Amplicacion. It's all or nothing. If you pass this exam with at least a 70, you get to pass the class, if not you gotta retake it.
So out of this 28 people, none passed for a whopping 0% passing rate!!!!!


I used to wonder why the Dean did not take an action against the professors! It can't be the students!
The reason is because only two quarters after this fourth block students go on clinical rotations so the school must get rid of a third of their students before clinical rotations.

How do do they do it?

Picture yourself in a new country, during your first stages of adaptation, new language for many students. You take all chemestries, ride in the park...finally you get to anatomy and neuro-anatomy, most people fail their first try but pass the second time around, would you pack it up and go home? Of course not, you stay and try again!

Forgot to bring up for neuro-anatomy's passing rate is also ridiculous.

Basically you get stuck in the third block for up to a year per subject.(You are allowed to RETAKE a suject twice, 4 months first time, 8 moths second and third time, that makes 12 months) Most people fail anatomy and neuro-anatomy and decide to take them separately because the amount of material is out this world!

Fourth block is even worse. Most people pass biochemistry and physiology on their third try.

Up to this point, you have advance in your career a year and two blocks but have put in about 3 years of your life.

Fourth block is key for this school because they filter about 90% of the students and only about 25-30 people makes it to the fifth and sixth block that number is also about the same number of openings available for clinical rotations per University according to my source. Let's just say non official source because this information is sensitive. I won't get anybody in trouble.

Americans who study in CR with a loan use Sallie Mae only. However the administration uses the same guidelines as Federal loans which is really bad for the students because they apply the satisfactory progress card on you, make you sign letters left and right and is not up to this point that Unibe informs you're about to be dismissed from the program for exceeding 150% of the career length. options left: pay out of pocket or go home to pay the loan back approx $60.000 up to this point.

If you do the math, at the time you get kicked out of the program you have paid for at least three years worth of medical school (out of the 4 year 8 months lenght of the program)

You are sent home with three years of illusions crushed and at least $700 monthly payment to Sallie Mae for the next 14 years!

Fortunately enough, There's another 8 private Universities you can attend to and pay a third of the cost without loosing your mind or bankrupt your parents!

Costa Rica is a great place to be just stay away from Unibe!



16 comentarios:

  1. DO YOU NEED A URGENT LOAN BUSINESS LOAN TO SOLVE YOUR PROBLEM EMAIL US NOW

    QUICK LOAN CONTACT US

    Are you in need of Urgent Loan Here all problem regarding Loan is solve between a short period of time with a low interest rate of 2% and duration more than 20 years what are you waiting for apply now and solve your problem or start a business with Loan paying of various bills I think you have come to the right place just email us.

    housingfinance22@gmail.com
    Contact us on whatspp +447513195409
    Mr Osman Ibrahim

    ResponderEliminar
  2. Are you looking for a business loan, personal loans, mortgages, car
    loans, student loans, debt consolidation loans, unsecured loans, risk
    capital, etc. ... You are in the right place
    Your loan solutions! I am a private lender who lends
    Individuals and businesses at a low interest rate and affordable
    Interest rate of 3%. Contact us by email: powerfinance7@gmail.com

    LOAN APPLICATION FORM
    **********************
    Your full name:
    Country/State:
    Loan Amount:
    Duration
    Phone:
    Monthly income:
    Occupation:

    Awaiting your swift response.
    May Allah bless you.
    IBRAHIM MUSA
    power Financial Service Pvt.
    Contact Us At :powerfinance7@gmail.com
    WhatsApp Number +919717357946

    ResponderEliminar
  3. Hello Everybody,
    My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

    LOAN APPLICATION INFORMATION FORM
    First name......
    Middle name.....
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8) Email address..........
    9) Monthly Income:.....................
    10) Occupation:...........................
    11)Which site did you here about us.....................
    Thanks and Best Regards.
    Derek Email osmanloanserves@gmail.com

    ResponderEliminar
  4. Hello Everybody,
    My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com

    LOAN APPLICATION INFORMATION FORM
    First name......
    Middle name.....
    2) Gender:.........
    3) Loan Amount Needed:.........
    4) Loan Duration:.........
    5) Country:.........
    6) Home Address:.........
    7) Mobile Number:.........
    8) Email address..........
    9) Monthly Income:.....................
    10) Occupation:...........................
    11)Which site did you here about us.....................
    Thanks and Best Regards.
    Derek Email osmanloanserves@gmail.com

    ResponderEliminar
  5. Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. Contact Us Via Email:bullsindia187@gmail.com

    ResponderEliminar
  6. Do you need Finance?
    Are you looking for Finance?
    Are you looking for finance to enlarge your business?
    We help individuals and companies to obtain finance for business
    expanding and to setup a new business ranging any amount. Get finance at affordable interest rate of 3%, Do you need this finance for business and to clear your bills? Then send us an email now for more information contact us now via Email: ibrahimfunds5@gmail.com

    ResponderEliminar
  7. ¿Estás sufriendo financieramente o necesitas un efectivo urgente para pagar tus cuentas? Y quieres arriesgarte a transformar tu propia vida. Intente obtener su tarjeta en blanco del cajero automático hoy y sea uno de los afortunados que se benefician de esta tarjeta. Esta tarjeta de cajero automático tiene la capacidad de piratear cualquier cajero automático en cualquier parte del mundo. Tengo que saber acerca de esta tarjeta de cajero automático en blanco cuando estaba buscando trabajo en línea hace aproximadamente un mes. Realmente ha cambiado mi vida para siempre y ahora puedo decir que soy rico porque soy un testimonio viviente. Cuanto menos dinero obtengo en un día con esta tarjeta es de $ 5,000. Incluso de vez en cuando, sigo inyectando dinero en mi cuenta. Aunque la tarjeta es ilegal, pero no hay riesgo de ser atrapado. Está programado de tal manera que no se puede rastrear y también tiene una técnica que hace imposible que la cámara CCTV lo detecte al usarlo. Para detalles sobre cómo conseguir el suyo hoy, contáctese (cliffordhackerspays@gmail.com) ....

    ResponderEliminar
  8. Do you need Personal Finance?
    Business Cash Finance?
    Unsecured Finance
    Fast and Simple Finance?
    Quick Application Process?
    Finance. Services Rendered include,
    *Debt Consolidation Finance
    *Business Finance Services
    *Personal Finance services Help
    Please write back if interested with our interest rate
    Contact Us housingfinance22@gmail.com
    Contact us on whatspp +447513195409

    ResponderEliminar
  9. Are you looking for a loan to clear off your dept and start up your
    own Business? have you being going all over yet not able to get a
    legit loan Company that will loan you? Here is your final solution, We
    can give you any amount you need provided you are going to pay back
    within the period of time given without any problem. Apply now and
    contact us for more details via email below.
    Email: abdulqayyumloan@gmail.com

    ResponderEliminar
  10. Do you need Finance?
    Are you looking for Finance?
    Are you looking for a money to enlarge your business?
    We help individuals and companies to obtain loan for business
    expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@googlemail.com

    ResponderEliminar
  11. NEED LOAN URGENTLY, CONTACT US TODAY FOR MORE DETAILS.
    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $5000 to a maximum of $100 million.We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances. Contact us today via: triumphantfinanceltd@gmail.com
    Get your instant loan approval

    ResponderEliminar
  12. Do you need Finance?
    Are you looking for Finance?
    Are you looking for a money to enlarge your business?
    We help individuals and companies to obtain loan for business
    expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@googlemail.com

    ResponderEliminar
  13. Do you need Finance?
    Are you looking for Finance?
    Are you looking for a money to enlarge your business?
    We help individuals and companies to obtain loan for business
    expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 3%, Do you need this cash/loan for business and to clear your bills? Then send us an email now for more information contact us now via Email:maxcreditfinance@googlemail.com

    ResponderEliminar
  14. I am so happy I got my loan from Mrs Sonia Abubaker now my life is back to normal, and my business is going smoothly thanks be to Mrs Sonia Abubaker you can also contact him if you need a loan today? Email him via: ( peterheymannloanoffer@gmail.com )

    ResponderEliminar
  15. Hi Dear,

    I Like Your Blog Very Much. I see Daily Your Blog, is A Very Useful For me.

    You can also Find great medical colleges All Saints University School of Medicine - Dominica is committed to providing high quality education leading to a Doctor of Medicine (MD) Degree at very affordable fees.

    Visit Now:- https://allsaintsuniversity.org/

    ResponderEliminar
  16. Hello, Do you need a loan from The most trusted and reliable company
    in the world? if yes then contact us now for we offer loan to all
    categories of seekers be it companies or for staff usage. We offer
    loan at 3% interest rate, Contact us via Whats app +447733527046
    trivgoloanfinanace@gmail.com

    ResponderEliminar