1. Apply to Post-Bac program that will cost me $31,000 and will require me to take out a unsub federal loan. Keep in mind; I am still paying off my undergrad student loan. It is kind of scary to think about another loan that may or may not gain me access to med school. Deadline March 15th (next week)
2. Apply to a Master’s program will cost $20-30,000. This can help me begin my career but I run the risk of not revisiting the idea of med school. (deadline November)
3. Take community college classes with little structure and guidance but pay much less.
4. Get a phlebotomy cert, so I can work in a clinic and take courses at an extension where classes are $900 each, again unstructured and self guided until I apply to med school.
I think it ultimately comes to two common considerations: risk and reward. How much risk is there? How comfortable are you with that risk? And after that, does the end result get you closer to medicine?
It sounds like it's not your desire to go into medicine, but how feasible it is to pursue that course of action. Personally, I've been in the same situation for about two years now. I decided in 2009 I wanted to go to medical school. Unfortunately, a GPA of 2.52 (AMCAS calculation), a bunch of W's, and incomplete prerequisites put me into precarious grounds to pursue that. My choice was ultimately to go to a traditional MS program and pursue a career somewhere in the business of medicine. Once my fiancee gets through pharmacy school, she'll help pay for all the work I need to do to get into and through a DO program.
I could have gone to a SMS-type program. But for me, the risk was too great. At the time, I had little to no job qualifications. If an SMS failed to get me into med school, I'd be stuck with no job qualifications and a ton more debt. No thanks.
For me, the MS was a good compromise. It'll put me in a career where I can keep tabs on medical careers. It'll be somewhat relevant to medicine if I have to defend why I waited so long to get my act together before pursuing med school to an ADCOM (the explanation of "had to wait till I had money" seems strangely insufficient). And if med school doesn't work out, I end up with a good career all the same. Bottom line? I found a path that had an acceptable ratio of risk to reward and would leave me with a "what if it doesn't work out?" option.
Looking at your options:
1. If you have the money, go for it. You can always decide not to go. But you don't have the option to decide for yourself unless you have an acceptance letter in hand. If money is an issue, then call up the admissions office and have a chat. Do you qualify for the program? What percentage of students in the program get accepted to medical school out of it? Get as much information as you can. Come back here with that info if you'd like. Meanwhile, have the application ready to go at a moment's notice. Don't leave the application until you decide to go for it, because you might decide to go for it the day before the deadline.
2. Dollars and sense. First, will the MS get you a job you think you'd like? And in that vein, is it somehow relevant to a career in medicine? Next, money. Assuming you earn a reasonable amount more with that MS, how long will it take you to pay back the loan? If you say 30 years, this could be a major financial roadblock. If the answer is five, then perhaps this isn't a concern.
3. Community college classes are looked down on by ADCOMS. Perhaps that's unfair, but it is what it is. The only way I'd do this is if there's REALLY no other choice, or if you get a conditional med school acceptance (Congrats Mr./Ms. So-and-so, we'd like to accept you. Please just finish this one pre-requisite before classes begin on XX/YY/ZZZZ). I know pharmacy schools will do this (my fiancee has one such acceptance), but I can't swear about med schools. Anyway, this is water under the bridge as you seem to have other options after all, and no one's sent you a conditional acceptance.
4. Disclaimer: I'm not you. That said, if I was, this is the kind of thing I would go for. This career could well be a step in the right direction to medical school compared to whatever corporate job you're now at. You don't need to spend an inordinate amount of money to take this path, meaning little risk if med school flops. And you have opportunity to take some courses along the way.
That's my take, at least. Important to note- a lot of these assessments of risk and such are very much based on personal values. If you disagree with anything I said, please, take what you think. I can only tell you what I think- you need to make the judgements for yourself.
Cheers!
-Fedaykin