<strong>Roadmap</strong> <strong>to</strong> <strong>Residency</strong>: FromApplication <strong>to</strong> the Match and Beyondexaminations; this type of importantinformation can sometimes be transmitted<strong>to</strong> them by means of a recommendationin the form of a letter ortelephone call from someone whoseopinion they trust (e.g., a facultymember, a department chair, a studentaffairs dean).Unmatched U.S. seniors should workclosely and collaboratively with theirschool staff members during theScramble. Many schools ensure thatknowledgeable faculty members anddepartmental personnel are available <strong>to</strong>provide advice and support <strong>to</strong>unmatched students as they apply foravailable positions in residency programsin their chosen specialty.During the Scramble, internationalmedical graduates should target amanageable number of programs in aspecialty in which they have a realisticchance of being accepted. Preparation ofa good verbal introduction for use in aninitial telephone call <strong>to</strong> programs withunfilled positions is strongly recommended.Merely providing ERAS applicationmaterials or faxed applicationswithout first making personal contactwith residency program staff members isa less effective strategy for securing anavailable position during the sometimeshectic Scramble process. <strong>Residency</strong>program staff are not likely <strong>to</strong> considerapplicants who use for-profit servicesthat claim <strong>to</strong> distribute applications <strong>to</strong>large numbers of programs or that create“personal” Web pages for applicants.D. FindAResident and OtherResources<strong>Residency</strong> training programs that do notfill all of their positions during “theScramble” are then able <strong>to</strong> invest time ina comprehensive review of submittedapplications. Many programs post stillvacantpositions on online Web sites,including that of the <strong>AAMC</strong>-sponsoredFindAResident program(www.aamc.org/findaresident). Someresidency programs choose <strong>to</strong> use theirspecialty association Web sites or otherWeb-based services for the samepurpose.FindAResident is an <strong>AAMC</strong> service thatassists training program personnel <strong>to</strong>identify interested applicants for postmatchand ad-hoc vacancies that occurin residency and fellowship trainingprograms. FindAResident advertisesavailable positions on a year-round basis,although information about mostavailable positions is posted in themonths between Match Week and thestart of residency training on July 1.FindAResident permits applicants <strong>to</strong>search a database of available positions byspecialty and by location, <strong>to</strong> reviewprogram selection criteria, and <strong>to</strong> notifyprograms of their potential interest.FindAResident also permits residencyprogram applicants <strong>to</strong> create an onlineresume and <strong>to</strong> make this resume available<strong>to</strong> residency programs with availablepositions. In this way, training programscan search for qualified applicants andnotify them of open positions for whichthey might be suitable candidates.The FindAResident subscription runs forone year, from September 15 <strong>to</strong>September 14 of the subsequent year.Within that period, subscribers can makeunlimited notifications <strong>to</strong> residencytraining programs as positions becomeavailable.Information about subscription fees forFindAResident can be found at:www.aamc.org/FindAResident.Other resources of interest <strong>to</strong> applicantsseeking <strong>to</strong> identify open positions inresidency programs can be found in theBibliography (Appendix A).23Association of American Medical Colleges, 2005
<strong>Roadmap</strong> <strong>to</strong> <strong>Residency</strong>: FromApplication <strong>to</strong> the Match and BeyondXI.The Transition from Medical School <strong>to</strong> <strong>Residency</strong>This section provides advice and recommendationsfor easing the transitionfrom medical school <strong>to</strong> residencytraining.A. Insurance programsAfter Match Day, it is important forincoming residents who have graduatedfrom U.S. medical schools <strong>to</strong> review thespecifications of program- or institutionsponsoredinsurance plans <strong>to</strong> ensureuninterrupted health, disability, andother coverage between their graduationfrom medical school and enrollment inresidency-sponsored programs. Inparticular, new residents are well advised<strong>to</strong> determine whether health and/ordisability insurance plans sponsored bythe residency training program or itsparent institution begin on the first dayof enrollment in the program or at somelater date, and whether those insuranceprograms exclude coverage for preexistingconditions for a specified periodfollowing initiation of coverage. If suchexclusions exist, the temporary extensionof medical school-sponsored insuranceprograms (which may involve thepayment of additional insurancepremiums) might be advisable.B. Financial aid processesMedical students who have receivedfinancial aid from the federal Staffordloan program are required by federalregulations <strong>to</strong> attend, prior <strong>to</strong> graduation,a financial aid exit interview. In thatsession, students are provided with informationon the terms of their loans(interest rates, interest capitalization,grace periods, deferment, forbearance,repayment, and consolidation) and ontheir rights and responsibilities.Financial aid administra<strong>to</strong>rs alsotypically provide graduating studentswith a summary and/or his<strong>to</strong>ry of theirstudent loan borrowing. An excellentsource for tracking down informationabout federal student loans (for thosewho borrowed during college orgraduate studies prior <strong>to</strong> attendingmedical school and who cannot findtheir loans) is the National Student LoanData System (www.nslds.ed.gov).Graduates are well advised <strong>to</strong> informeach of their loan servicers of their newcontact information as soon as theyknow it, and <strong>to</strong> verify with their loanservicers the status of each of their loans(i.e., the length of the grace period; thenumber of months before the expirationof any grace period; and the qualifications,application process, and relevantdeadline dates for deferment). Manyloan servicers also provide Web-basedaccess <strong>to</strong> loan information that affordsborrowers access <strong>to</strong> their account informationon a 24-hour-per-day, seven-daya-weekbasis. Residents are also encouraged<strong>to</strong> take advantage of those services.Federal Stafford Loan interest rateschange annually on July 1. The newinterest rates are announced at the endof May. In a rising interest rate environment,residents are encouraged <strong>to</strong> payclose attention <strong>to</strong> the May rate changeannouncement. Residents also canbenefit from the <strong>AAMC</strong> MONEYMAT-TERS listserv, which alerts residents <strong>to</strong>changes in student loan programs ofimportance <strong>to</strong> residents. Residents cansign up for the listserv atwww.aamc.org/debthelp. An impendingsignificant interest rate increase mayresult in residents’ wanting <strong>to</strong> consolidatetheir federal student loans in order<strong>to</strong> lock in a lower interest rate.C. VisasInternational medical graduates who areneither U.S. citizens nor permitted by theU.S. Citizenship and Immigrant Servicesbureau of the U.S. Department ofHomeland Security (http://uscis.gov/) <strong>to</strong>reside permanently in the United States(i.e., as a permanent resident or greencard holder) must apply for and obtainappropriate visas for themselves and anyaccompanying family members prior <strong>to</strong>participating in a residency trainingprogram.The J-1 visa, a temporary nonimmigrantvisa reserved for participantsin the Exchange Visi<strong>to</strong>r Program, is onevisa type commonly used by foreignnational physicians for this purpose. TheExchange Visi<strong>to</strong>r Program was establishedby the U.S. Department of State <strong>to</strong>enhance international exchange andmutual understanding between thepeople of the United States and othernations.The duration of stay for Exchange Visi<strong>to</strong>rProgram physicians is limited <strong>to</strong> the timetypically required <strong>to</strong> complete a graduatemedical education program. ExchangeVisi<strong>to</strong>r Program physicians with J-1 visasare required <strong>to</strong> return <strong>to</strong> their homecountry for at least two years followingcompletion of their residency trainingprogram before being eligible for certainother U.S. visas. The U.S. Department ofState has designated the EducationalCommission for Foreign MedicalGraduates (ECFMG, www.ecfmg.org) asthe sole visa sponsor for all J-1 ExchangeVisi<strong>to</strong>r Program physicians who participatein clinical training programs in theUnited States. In this capacity, ECFMG isresponsible for ensuring that physicians24Association of American Medical Colleges, 2005