| Box 7. FinancesThe financial barriers of pursuing medicine was a common theme. Participant B highlighted the thousands of dollars it can cost for a single medical school application cycle:So I may apply again this fall. But it’s an incredible cost to even just apply. Like I think it was $700 for the one. Plus then the flights down to Thunder Bay. Plus all of the hotels and everything else. Thankfully I used my flight points. But if I were to actually pay for it, it’d be about $5,000.Another significant application cost is to leave the NWT to write the MCAT, which costs up to $1,800 to fly from Inuvik and $315 to register for the MCAT. Accommodation costs are additional to this. Participant G explained his MCAT experience:I was broke after that, and demoralized and all this stuff. I can see that as … a real barrier in somebody ever taking the attempt again seriously, because that’s a big chunk of change.Currently, there is no writing centre for the MCAT in the Northwest Territories. Previously it was offered at Aurora College until 2007.The discussion on financial barriers was broad. Another common topic was the return-for-service program administered by the Government of the NWT that was discontinued in 2014. It provided $10,000/year to medical students, and an additional $15,000/year for a 2-year family medicine residency.Participant E explained how the program got her interested in medicine while in high school:I remember in high school hearing about a scholarship available to help you pay for tuition in medical school from the government of the Northwest Territories. I thought, “When I get there, eight years or six years from now, I will have access to that”. Needless to say, I got into medicine and started making some calls only to find out the program’s no longer in existence. Because they didn’t have enough people returning to the North despite providing them funding, so they cut the program. This was very disheartening.Medical school is an immense financial endeavor and I was relying on the financial support from the GNWT to provide much needed support after meeting the challenge finally entering medical school.She explained how the lack of a return-for-service agreement is affecting her career choices:Alberta has a scholarship program with a return of service agreement. You can get your four years of tuition covered for five years return of service in a rural community. Every year I watch that application arrive in my inbox and find it harder to turn down.One of the return-for-service recipients, participant G, explained how he felt mistreated by the program administrators:I mean another frustration was … I remember going to a conference, and I went up to the GNWT desk to talk about various opportunities, and they did know who I was, but I was referred to as the “return-of-service guy”. I wasn’t referred to as [my name], I wasn’t somebody that they were like, “Hey, there’s opportunities here in this community”. It was like, “Hey, there’s the return for service guy”. I remember them saying that, and then, “Hopefully we’ll be able to get this one”, was what they had said.I had just kind of laughed it off at the time, but afterwards, I was really offended because they really didn’t take the time to take recruitment seriously.Another return-for-service recipient, participant H, had her agreement broken when the job she was negotiating wasn’t available after residency:It had been my plan to come back in residency, even up until my chief year, I had done electives in Yellowknife. And then, in November of my fifth year of residency, at the end of my four weeks, they just said, “We don’t have a job”.We had several letters back and forth, cause previously there was gonna be a job, there was gonna be a job.The Northwest Territories Student Financial Assistance program (SFA) was another common topic. SFA is a program run by the Department of Education, Culture and Employment that provides 12 semesters of post-secondary grants to Indigenous students to travel out of the territory to attend university. Participants highlighted how the funding was crucial to their bachelor-level education but that it runs out after 12 semesters and doesn’t support both a 4-year bachelor’s degree and a 4-year medical degree afterwards, typically a minimum of 18 semesters. A maximum of $60,000 of territorial student loans available after this funding is exhausted also doesn’t reflect the approximately $20,000/year tuition for 4 years at medical school.Another common financial topic was the line of credit of $275,000 to $300,000 that is available to Canadian medical students. Participants agreed how crucial this is in funding their medical studies after they have used up their SFA grants and now that there is no longer a return-for-service agreement. |