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Guide to The Core Exam

08.18.16 // Radiology

Below are the current entries in the ABR Core Exam Series:

The Core Exam Experience
Detailed post describing the process of registering for the exam, selecting testing location and lodging, the actual test day experience, and the exam itself including the exam breakdown, scoring, and results

Approaching the Core Exam
Detailed post discussing approaching the exam, study schedules, picking resources, and exam content including physics & non-interpretive skills

Resources for the Core Exam
Breakdown and brief reviews of commonly used Core resources

Core Exam Question Banks Review
Separate reviews of the currently available Core Exam qbanks

Book Review: Crack the Core, Radiologic Physics War Machine, CTC Case Companion
Unnecessarily in-depth reviews of Prometheus Lionhart’s Crack the Core book series

Book Review: Core Radiology
TL;DR – I liked it

Yes, you can switch back from REPAYE to IBR or PAYE

08.15.16 // Finance

There has been a lot of confusion from borrowers whether or not REPAYE, with its partial interest subsidy, is a good choice for people with high future income (e.g. residents). The main concern is what happens after training when salaries increase and the possibility of breaking past the monthly payment cap, which could make you lose money (in the context of trying to minimize payments in anticipation of PSLF). Note: If you’re just trying to pay off your loans in an efficient way, breaking past the cap should be mostly irrelevant–you should be trying to pay down your loans as fast as possible anyway.1I.e. it would mostly likely only matter if lifestyle has inflated to the point where the money you should be using to pay down your loans has been earmarked for other purposes, like car loans.

If you call your federal loan servicer but don’t ask the right questions, your servicer may lead you astray in how they answer questions about the terms of the REPAYE program. It’s misleading but technically true: if you are making so much money that you break past the REPAYE cap, you absolutely cannot switch back to PAYE or IBR.

That’s NOT because you aren’t allowed to switch out of REPAYE in general (you are), but because at that point you would no longer have a “partial financial hardship” and thus no longer qualify for those plans to begin with. Your servicer is able to provide information and advice, but don’t for a second think that they don’t have a vested interest (see what I did there?) in your payments. A simple rule of thumb is that if you owe more on your loans than you make in a year, you definitely still quality for your income-driven repayment plan.

What is actually used for payment calculations is not your gross income but your discretionary income: your adjusted gross income minus 150% of the federal poverty line for your family size (e.g. family size of 1, 2, and 3 is &17,655, $23,895, and $30,135 in 2015, respectively). The official rule is that if your calculated monthly PAYE/IBR payment (whichever you qualify for) using 10/15% of your discretionary income is less than the standard 10-year repayment, then you still qualify.

So there is a simple solution for forward-thinking borrowers who want to take advantage of the REPAYE benefits but don’t want to tie themselves to higher future payments: Switch back before you make money.

You can switch from REPAYE to PAYE as long as you still qualify for PAYE. Or you can switch back to IBR instead if you had older loans and didn’t qualify for PAYE to begin with.2IBR payments are higher than PAYE payments (15% vs 10% of AGI), so PAYE is preferable in the context of minimizing payments for PSLF. Do this at the end of your training and the problem is solved. (Technically, many people could do it even once out in practice; it all depends on how much you borrowed versus how much you/your family makes per year. You can use the calculator to see what household income you’ll need to break past the threshold.)

Also note that since most people generally use tax-returns and not pay stubs to verify income, there is generally a delay between when your income rises and when your taxes reflect that increase. This isn’t the way servicers would like it, but it’s the reality on the ground. You could be an attending as of July 2016, but when you resubmit income verification in the fall of 2016 for REPAYE, you’ll be submitting your 2015 taxes, which is a combination of your last two PGY years of training.

Note that your unpaid interest will capitalize when you switch out of REPAYE, but if it’s all going to be forgiven in PSLF, this is essentially irrelevant. You’ll also sometimes have your accounts placed in an administrative forbearance for a month during the switch, which can delay your PSLF a bit as well.

The bottom line is that you absolutely can switch out of REPAYE—you just have to be a little bit thoughtful on when you want to switch out to not miss the window. REPAYE makes the most sense for many if not most residents. For people who aren’t going for PSLF (especially if they’ve borrowed smaller amounts and won’t enjoy an interest subsidy), no-cost private refinancing may be a better choice.

This plan-switch information comes from this document and FAQ, and I’ve confirmed this interpretation with Nelnet (one of the federal loan servicers). If you talk to your servicer and they say otherwise, ask them to explain exactly why and we’ll get to the bottom of it. Because they should be wrong.

 

Radiology Core Exam Question Banks Review

08.08.16 // Radiology

[Last updated September 2022]

The following is a review and comparison of the available online question banks for the Core Exam.3Not included are the various casebook series such as A Core Review which overlap as well and are discussed in this post. More detailed and generate thoughts on approaching the Core Exam are here.

There are currently six contenders: RadPrimer, BoardVitals, Qevlar, Rock The Boards, RadsQuestions, Radiology Cored, and Face The Core. I’ve tossed in Physics 300 at the end, a dedicated physics question app. (Those looking for rapid physics review might also consider the Radiology Core Physics Plus app (there’s a free sample). Reviews are mixed, and it sounds as if the material may not be 100% original intellectual property.)

A newer free resource that I also haven’t meaningfully tried is Aunt Minnie’s question bank. Did I mention it’s free? As of 2022, it contains 716 questions. The cases I’ve looked at are solid; seems like a no-brainer to me.

Because RadPrimer is free for many if not most residents and is big, the other resources have an upward climb to be worth your time and money. I was able to secure reader discounts for BoardVitals and RadsQuestions.

TL;DR: RadPrimer does just fine on its own despite its limitations, and it’s free for most residents. BoardVitals is #2 followed by Qevlar. RadsQuestions is brand new and has a risk-free trial. Face The Core is a reasonable but unnecessary adjunct, which you can buy a la carte per subject (in a world with so many cheaper (and even free) resources, not sure why you’d bother). (Radiology Cored is brand new, let me know what you think.)

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Resources for the Radiology Core Exam

08.08.16 // Radiology

This is a brief discussion of commonly used and discussed resources for the ABR Core Exam. As I discussed in this lengthy post, there a lot of good but no perfect resources for the Core exam. As such, pick a few that feel right and never look back. You’ll be fine. (more…)

Approaching the Radiology Core Exam

08.08.16 // Radiology

We’ll start with some general thoughts on the exam and preparation, delve into the image-rich, physics, and non-interpretative skills. We’ll conclude with my personal approach (which you probably shouldn’t do), and some thoughts on adapting that to a reasonable regimen that should serve many people well. This post, like all of my Core Exam posts, is really long. This is partly because there is almost nothing written online about this exam (and partly because I am long-winded). You should also read my post about the actual Core Exam itself.

It should go without saying that how much you need to study and what you should focus on will depend on you, your radiology foundation, the holes in that foundation, your test-taking skills, the board reviews your program may or may not offer, and how much time you have.

Last revised March 2021.

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Book Review: Crack the Core, Radiologic Physics War Machine, CTC Case Companion

07.18.16 // Radiology

Here we review Prometheus Lionhart’s multipart book series for the Core Exam. If you’re interested in someone’s thoughts on the Titan Radiology video series, you’ll have to look elsewhere.2I don’t think people need another video course, particularly since if you want a video course, the UCSF videos are solid and most programs have access to them. I’ve spoken to exactly one person who did Titan and they said it wasn’t worth the money. I’m sure it’s fine/good, but I’d guess they’re probably right.

TL;DR: Every book in the Crack the Core series is generally humorous, relatively engaging, high yield, and conversational—as well as full of typos and (mostly minor) errors. (more…)

Survivorship Bias & Other Problems With Science

07.15.16 // Miscellany

Two great longish weekend reads:

Vox’s The 7 biggest problems facing science, according to 270 scientists:

Scientists need more carrots to entice them to pursue replication in the first place. As it stands, researchers are encouraged to publish new and positive results and to allow negative results to linger in their laptops or file drawers.

This has plagued science with a problem called “publication bias” — not all studies that are conducted actually get published in journals, and the ones that do tend to have positive and dramatic conclusions.

And David McRaney’s fun discussion of survivorship bias.

The military looked at the bombers that had returned from enemy territory. They recorded where those planes had taken the most damage. Over and over again, they saw that the bullet holes tended to accumulate along the wings, around the tail gunner, and down the center of the body. Wings. Body. Tail gunner. Considering this information, where would you put the extra armor? Naturally, the commanders wanted to put the thicker protection where they could clearly see the most damage, where the holes clustered. But Wald said no, that would be precisely the wrong decision. Putting the armor there wouldn’t improve their chances at all.

Embedded in both:

You can’t just look at success (or successful people) to achieve meaningful success or become successful (corollary: data is not the plural of anecdote). Arguably more important is looking at the failures to see why they fail. And if both groups do things the same, then it’s not the method.2It’s the madness.

Also, this applies to every self-help/self-improvement personal story you hear (entertaining, potentially inspiring, and scientifically without merit).

The ABR Core Exam Experience

07.12.16 // Radiology

The ABR has requested that I not use their logo or any images anywhere in this post lest there be any confusion about our non-relationship and non-endorsement. I have of course complied. Let me take this chance to also remind readers that the writing on this site (benwhite.com) reflects the wholly personal views of Ben White (that’s me!) and not any organizations or institutions which I have ever been, currently am, or will ever be affiliated with. Of particular relevance, I have no endorsement from the ABR and possess no insider knowledge. I merely took an exam, and here are my thoughts.

This post details my thoughts on the entire process of registering, traveling, taking, and eventually passing the Core Exam. The ABR’s exam information page is also helpful. To see photos of the testing center setup that I refer to in this post, please see the ABR photo gallery.2Images of the buildings below are from Google street view.

Updated March 2021.

As of 2021, the exam is now and forver virtual. No travel to Chicago or Tuscon required. The exam takes place over 3 days instead of 2. Additionally, it is no longer possible to “condition” the physics section. Physics will now be graded as just another section on the examination along with everything else. I’ve keep the older material here for historical interest but added in more recent info to stay relevent.

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Qbanks & USMLE success: optimism, excitement, and joy

07.11.16 // Medicine

This post is adapted from a response to a reader email. There’s a special kind of question I get a lot of every spring. The format is always the same: there is an unmet goal or stagnated improvement on a qbank during dedicated board review with a subsequent ton of anxiety about succeeding on the test. This is a common, frustrating, and scary situation for lots of students. The fact is that not everyone will meet their goals, but that doesn’t mean that you shouldn’t optimize your attitude and approach. It deserves as much if not more attention than picking your resources or schedule (things that people have no problem agonizing over ad nauseum).

You need to start by not beating yourself up. Your specific goal—whatever it is—is awesome, and I hope you get it, but you need to know that goals are only helpful as a means of motivation—not something to tie your entire self-worth into. A misconstrued or stringent goal can be demoralizing and thus does not serve you well. A friend’s stated performance, posts on SDN—absolutely none of that matters to your personal needs.

Don’t let demoralization prevent you from utilizing practice questions as a primary component of your preparation. The reason UWorld and other qbanks are good tools is twofold. 1) Your knowledge is only helpful if it helps you answer a question. The best way to see how to apply your knowledge to a question is with a question. 2) The explanation teaches you both the correct facts, the ancillary facts (incorrect choices), and the context/test-taking/pearls/trends/etc.

Stop and consider why you feel sad when you review your performance after finishing a qbank section. Because being optimistic and believing in your strategy are important components of getting through this tough period and gaining/maintaining your momentum.

A lot of people shortchange themselves on point #2. They get upset when they get a question wrong and don’t use it as a learning opportunity. You should almost want to get questions wrong, because then it means you have an opportunity to improve, a potential blind spot to weed out. There are lots of reasons to get questions wrong and you need to approach the explanations as a chance to learn, not a chance to be disappointed. When you get questions wrong, flag them and do them again.

The other thing students do is use that negative emotional valence to overread the explanation. They take an exception and turn into a new rule. They try to generalize too much. They take something specific to one question and apply it to other questions where it doesn’t apply (“but last time I guessed X and it was Y; this time it’s X, wtf!”). All of this comes from stress and self-doubt.

The way to not burn out is to try to actively switch your attitude from fear to excitement. You’re doing this so you can learn, and, in a few weeks, you’ll be done. That is astoundingly exciting. It’s a huge milestone. When you start feeling amped up and nervous, you need to say “I am excited.” Excitement and panic are both states of heightened arousal, and they’re more similar than you’d think. Whenever you feel the panic rising, whether after a section on the qbank or the real thing, don’t “forget” that you’re actually excited.

If you don’t have much trouble with time management, I’d continue using tutor mode for the vast majority of your dedicated studying. Remember, the qbank is primarily about learning first and emulating the test day experience second. Stop paying attention to how you’re doing as you go through a section. Whether you do bad or good or your score changes doesn’t matter. This is how you’re going to study and you’re going to embrace it. Use books to supplement as needed when an explanation isn’t enough, need another perspective, or you hit something that requires re-memorizing a table (cytokines, glycogen storage diseases, things of that nature). You can switch to timed blocks to simulate the exam the last week and get into a groove. Find the confidence to go with your gut, not agonize, not get stressed by a long question stem, etc. If one particular thing seems like you’ll never learn it, then don’t. Your score doesn’t hinge on a single topic. For most people, there’s plenty of other material to learn instead.

Don’t forget that Step 1 should be a happy time. It’s the culmination of another chapter of your life and marks the transition from seemingly endless book learning to finally starting your journey in clinical medicine.

You need to study, do your best, and be proud of yourself.

Letter to a Third Year

07.06.16 // Medicine

I stumbled across this in my Google Docs. My school used to put together a book of letters every year from third years at the end of their year to give to students about to start clinical clerkships. This was written in 2011 (I still largely agree with myself).

Long before the end of third year, people will start talking about boring or interesting patients or about scut work or about the grind of clinic. Most of us probably wondered at some point during second year how long it would take us to be comfortable enough to feel bored. The beauty (or the bane) of third year is that each time you are comfortable enough to feel bored, your residents switch, or you change clinic or team or hospital or clerkship. You have just enough time to say, “hey, I’ve got this,” and then you’re on to the next adventure. It’s at least mildly frustrating, but then at some point you’ll come to this realization: If I’m bored today, that means I’m comfortable today. And that means I can do this.

And at first it might take six weeks, but then it’ll be three weeks, and then a week, and then maybe just a few days. You’ll be a little less impressed (or scared) of attendings and residents and maybe even disease, because when you show up to work and see your patients and write your notes you’ll realize that at this stage of the game you don’t need to be scared anymore. That looking back that some of those fresh interns on July 1st didn’t know much more than you did and were probably twice as scared. That you’ll always have backup. That the majority of patients you see will have the same common problems and that common problems can be diagnosed and treated once you’ve done it a few times. Then there are the “interesting” cases, the tough ones, the demanding attendings, and the fascinatingly rare zebras–and all of that is great, especially when you can help–because they keep things fresh. Hopefully at that point, the individual wrinkles that each patient has can stand out, and that’s what makes practicing medicine worthwhile. The people.

But when you first start and you’re scared and you know full well that you can’t do a history or a physical (let alone both at the same time), don’t worry. You’ll be fine. We all were.

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