Mar 24, 2014

The Match, The SOAP, & the reality of being an IMG

This past week was Match week, which for those of you readers unfamiliar with this term, it is the means by which MD graduates get "matched" into a residency placement.  For many people, Match week is the highlight of your 4 years of medical school, when you finally have a job post graduation and the reality that all of your hard work has in fact, paid off.

However, what many people don't understand is that there are far more MD candidates trying to "match" then there are spots in residencies.  Every year, there are thousands of applicants, many of them international medical graduates (IMG's) who don't receive a spot in a residency.  Therefore leaving them with the degree of MD but unable to be licensed and practice due to the inability to obtain a residency position.

The Facts:

  • Josh is finished with all of the requirements to graduate from medical school at SGU and will receive his diploma in June.
  • Josh passed all of his board exams, Step 1, Step 2 CS, and Step 2 CK with scores above the average for both IMG's and AMG's (American Medical Graduates)
  • He had strong letters of recommendation
  • He is in the 1st quartile (top 25%) of his graduating class academically for both the basic science years (first 2 years) and currently
  • He applied to 100+ categorical surgery residency programs both community based and university based across the entire US
  • Josh only received a few interviews to residency programs
  • We found out Monday that Josh did NOT Match

While not Matching did not necessarily come as a complete shock because of so few interviews, we were still very disappointed.  It is extremely scary to know that you not only don't have a job after 4 years of medical school, but you also have no job with $200,000.00 worth of educational debt that will have to start paying back after you graduate.

The SOAP (Supplemental Offer and Acceptance Program):

  • When you don't Match into a residency, you can enter the SOAP, a process by which you send out up to 45 more applications to residency programs that did not, for whatever reason, fill their positions during the Match.
  • On Monday afternoon, Josh sent out the full 45 applications to programs for Surgery (both categorical and preliminary), Family Medicine, Emergency Medicine, and Internal Medicine.  At this point he was willing to do anything.  We thought FOR SURE he could SOAP into something based on his grades and Step scores.
  • From Monday through Thursday, applications are reviewed by programs, phone interviews may happen, and every few hours, offers to those programs are made.
  • There were approximately 900 positions in the SOAP.  There were over 1100 AMG's unmatched and over 8000 IMG's unmatched trying to obtain these spots.
  • Josh got ZERO phone calls or emails the entire week.  NOT. EVEN. ONE.
  • It is our belief that international graduates, regardless of citizenship were filtered out from the start, that Josh's application was not even looked at all week.
Our interpretation of the SOAP from an IMG standpoint was that it was like being stabbed with a knife and then having it twisted around inside of you in order to kill you slowly and painfully.....a slow, painful death.  There is nothing like sitting around all day for a week, waiting for a phone call, and one never coming.  The stress level in our apartment was sky high and yet we knew there was nothing to do but wait and hope and pray that something would work out.  Josh was a part of message boards online for people in the same position and we know that AMG's with significantly lower Step scores were getting multiple phone interviews as well as offers.  Never has the stigma of being an international graduate felt more damning.  Both Josh and I were so discouraged.

Post SOAP:
  • On Thursday at 5:00pm EST, the SOAP ends, and unmatched applicants are then allowed to contact programs by phone or email that still have openings.
  •  At this point, there were less than 50 spots across all specialties left after the SOAP and programs are not required to fill their positions.
  • Josh began sending out what I call hail Mary emails to programs with unfilled spots hoping that someone might throw him a bone and at the very least email him back.
  • He received many automated response emails saying either the positions had been filled or that they had decided not to fill their positions this year.
  • By Friday morning, Josh was beginning to look into alternative options for the next year.  These included doing an MPH (Masters of Public Health), unpaid medical research, delaying graduation in order to do more hospital rotations, and jumping off a bridge....joking...kind of.
On Friday around noon, Josh received a call from the program director at the University of Massachusetts, one of the programs he had emailed the night before.  He conducted a 10 minute Face Time interview and offered Josh a general surgery residency position for this year on the spot.  Within minutes of getting off the phone, an email with the offer came through, Josh signed it, and that was that.  Relief immediately followed.

What we learned/Our advice:
  • Apply on time.  Do not wait even a day to send out your applications. Being the first to get them in is likely key to getting multiple interviews.
  • If you can, have all of your Step scores IN before applications are due.  You are best off if you have a COMPLETE application at the time of submitting it.
  • Have realistic expectations.  If you are an international grad, it will likely hurt you.  Most IMG's go in to primary care (FM, Peds, IM, Psych).  If you do not want to go into one of these, consider apply to some anyway as a back up choice.
  • Avoid the SOAP at all costs!  It is NOT set up to be in the interest of the applicant, especially IMG's.
  • It is better to have a residency of any kind than not.  Trust me.
We feel very lucky.  Not only did Josh end up in his residency of choice, surgery, but amazingly he is also going to be at a university program at one of the top surgery programs in the United States.  It is nothing short of a miracle and we are definitely counting our blessings.


****EDIT: Here is a link to the follow up post regarding our match process.  Josh did, in fact, match into categorical surgery in the 2015 Match.  Read about it HERE.


269 comments:

  1. This is so well written and I really admire your strength and courage through all of this. You both certainly deserve that residency spot! It is such a shame the stigma of being an IMG has, it is like this in the Canadian system as well. It's so hard for us as wives to see our husbands who we know are amazing doctors being shoved aside simply because of the school they went to.

    Good luck to you, Josh, and baby Ryan! You guys will only be 5 and a half hours from where we are living :) I hope after all this craziness that your move and everything else goes smoothly!

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  2. I am happy that things worked out for your husband, and you have spelled out the downfalls of going to an offshore medical school.

    I have worked with plenty of American IMG's, and clinically I can't tell the difference between them and AMG's. Some of them are quite successful. However, at present less than half of them get into US residencies, and the numbers will get worse with the recent expansion of American MD and DO schools.

    I have also been on med school residency committees, and the hierarchy is always American (including Canadian) MD , DO, non-American IMG, American IMG. In fact, we had sometimes elected to leave unfilled spots rather than take American IMG's . That's just the reality.

    Of course, once you are in the system, you are golden. But, most IMG's just wasted 4 years and 6 figures. Offshore schools are a gigantic scam.

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    1. A scam? I don't know where you got that from, but a lot of the schools in Asia provide a FAR superior clinical experience compared to ANY US medical school. It's simple really...you only are as good as the amount of cases that you see, and that's really the case with a lot of the IMGs...whether they be American or non-American. They are just better prepared clinically and are able to cope up with a challenge simply because of the hectic patient loads that they are used to seeing in their home country. I can only talk about the Asian schools here being a graduate of one myself. Not so sure about the Caribbean schools.

      Secondly, I'm sick of hearing this nonsense of "wasting 4 years and 6 figures", as if the AMGs got to go to medical school for free? ALL of us, IMG and AMG, are in educational debt. Add up what the AMGs spent at med school...it most probably comes up to...you got it...six figures. Its quite trashy to talk about how someone just "wasted" 4 years when you don't even know what obstacles they had to face nor the reason why they made the decision to study at an offshore school in the first place. Please take your negativity out of the equation.

      To my fellow IMGs, please don't give up, and please keep working hard. Don't let anyone stop you from your dream.

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    2. Thanks for your kind words. We don't feel that our experience at a foreign school was a scam at all. There are obstacles to overcome, but we would do it again. I talked a little about that in a subsequent post linked here. http://thescurlockscene.blogspot.com/2014/04/international-medical-graduate-would-we.html
      Regardless of the the Match outcome, we don't see Josh's 4 years of school or 6 figures of debt as a waste. My point in this post was to show the reality of the situation and allow others to be a bit more informed of some of the hurdles that medical school student and specifically an IMG has. Thanks for reading.

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    3. Scam? With all due respect: You are shallow beyond imagination.

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  3. Congratulations. Your husband is fortunate. You are correct that any clinical position is a far better option than any of the alternatives.

    What percentage of Josh's classmates did not end up with residency positions?

    Would you advise other American students to avoid offshore medical schools? What about your classmates without jobs? What would they advise?

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    1. Hi there, I don't know the exact percentage of SGU grads that receive residency positions as a PGY-1 but I want to say it is close to 80%. SGU actually matches more grads than many International schools out there, however most are in primary care (IM, FM, Peds, and Psych) and it is definitely way more challenging to get any type of advanced specialty. I suppose my/our advice for American students attending offshore med schools would be to do it as a last resort. Josh didn't get in to American med schools. If he had, we obviously would have chosen that route, but if he hadn't gone to SGU, he would not be a doctor now. SGU isn't perfect by any means, but it did provide the pathway for him to become a doctor. It's hard to say what the future holds for IMG's because like the anonymous poster stated, it's likely only going to get harder to match with new American MD and DO programs opening up. I think if you are going to go the route of an IMG, then you need to prepare yourself to go into primary care and be happy with that. Here is the SGU residency match list for 2014 but also for previous years. It is easy to see that SGU is matching lots of students, some into really great, competitive positions, time will tell if these spots continue to be attainable for IMG's in the future. http://postgrad.sgu.edu/ResidencyAppointmentDirectory.aspx?year=2014

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    2. There is no chance that 80% of SGU students matched PGY1. That is very misleading

      It's more like 60 percent according to the NRMP manual.

      It took an act of God for your husband to find residency. Even though he was a bright and successful student.

      I'd never go to the Carribean.

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    3. Anon, I don't know where in the NRMP manual you are finding specific statistics for SGU. I only see stats regarding US IMG's vs Non US IMG's. It is true that the match rate for IMG's in general is somewhere in the 50% range however I assure you that SGU does not have 40% of their students not matching every year. It is most definitely somewhere in the 80% range for those that actually enter the match. Now the percentage of those that graduate and match from the initial class size as first years, that is a different story and while I don't know the percentage for that either, I would guess that would be less.

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  4. To Anon at 9:33 pm,
    I'm curious how American IMGs are "after" non-American IMGs, when they don't have the Visa hurdles?

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  5. @I cortez,

    Foreign IMG's who apply to the US programs are often the top students from their countries. For example, it is tougher to get into medicine at the Chinese University of Hong Kong than Harvard Med.

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  6. Was this a preliminary surgery (1 year) position, or a categorical position, that he obtained post-SOAP?

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    1. It is a preliminary surgery spot.

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    2. ^^^ There's the catch. Better than nothing, but prelim surgery is like being selected for the Hunger Games.

      May the odds be in your favor.

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  7. Well good luck to you for the match and soap next year!

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  8. Thank you so much for sharing your experience. I'm an SGU student and visit your blog from time to time. Just wanted to say that I appreciate you and your husband sharing the match experience and giving advice. Also just wanted to send a congratulations on getting placed. Best of luck you to guys on the next part of your journey!

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    1. You are so welcome! I'm glad that it's helpful to others....that was my intent. Good luck on the rest of your schooling!

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  9. Congrats on your husband's surgery placement. One quick point. When reading your story I felt that you could have made the logical point that if your husband did not get a surgery residency he could have very likely subsequently picked up a primary care post. Your paragraph below* describing Josh's situation sounded like he would have been stranded and financially bereft. In reality it's a common scenario for many IMG grads who initially apply for a specialty residency to end up in primary care, perfectly able to pay back their bills. You later mention that this does happen (nice), but this fact could have been presented earlier, making your husband's situation less dramatic and more factual. Just a suggestion.

    *It is extremely scary to know that you not only don't have a job after 4 years of medical school, but you also have no job with $200,000.00 worth of educational debt that will have to start paying back after you graduate.

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    1. Thanks for reading. While I understand your point, that paragraph you quoted was how we felt the during/after Match week. What also added to our panic was not SOAPing into a primary care position despite sending applications to almost all primary care open positions. Your suggestions are appreciated though.

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    2. I am a AMG. This will be my 4-5th season re-attempting the match. I previously matched with a very competitive specialty as categorical. It was malignant, big time. I finished my intern year, but the h*ll started after that. Went thru match last year, few interviews in another field, no match. No SOAP interests WHATSOEVER. I re-applied this last season, with more interviews. Everyone pray I match somewhere. I do have a medical license in a more progressive state than my home.
      Since recent health care reform, it appears there are few limited job ops for just being a general care "doc in the box". Without being board certified in IM, FM, whatever, you're kinda screwed.
      God help me that I match in 2015. I want to help mankind, not be on unemployment or drain my parent's retirement. Oh yeah, and my loans are up to ~350k. Thats with scholarships for undergrad, and even considerable MD school scholarships.
      Young ppl of today, please get education in match, physics, computer technology. Then YOU will be able to make the world a better place.

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  10. Reading your post made me tremble, again. I lived the nightmare of not matching as a US-IMG, even after 11 interviews for a competitive specialty. I was told "You will match, without a doubt" from multiple programs and was lead to believe I would perhaps.. be on their team. Not the case.

    Everything you wrote in your post was true. The SOAP is a nightmare for an IMG--basically impossible. I actually got two phone calls Monday. One phone call was from a program director that said " I WAS IN" and we had a face to face interview at the hospital the next day!! He claimed that in the next few days I would be getting phone calls all day. HAH, imagine how I felt when after the first round of SOAP I wasn't offered a spot at that program? As for the other program, they led me on, and still, nothing.

    When SOAP ended, I explored all other options just as your husband did. Research?? Medical mission trips? Volunteering? I've never been depressed before (save an unfortunate breakup) but this was the lowest I've ever felt. For that whole week I tried sleeping in as long as I could just so I wouldn't have to face the day knowing I failed at the only thing I was suppose to succeed in for the last 4 years. I felt broken.

    I signed up for resident swap, because it seemed like thats what people do in these situations. A few days later an alert was sent to me saying spots had opened. I sent in my information right away. I received a phone call later that week (the week after match week) I had been selected for a prelim surgery spot also in Massachusetts. I had been given another chance.

    I wouldn't wish my experience on anyone. It was terrible. But -- push through. Keep trying, and never give up. I hated hearing that from other people, especially when I felt so defeated. My job as a doctor now means more to me than ever. I'll be the happiest, hardest working surgery intern they ever saw.

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    1. Wow! Congrats on getting a spot. We definitely know what a relief that is and Josh feels the same exact way about getting his spot as you do. Not matching is a feeling I wouldn't wish on anyone. Where in MA will you be?

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    2. Great post and replies! I am in the same position - did not match and did not soap. How do you go about sending in documents on resident swap - LOR's in particular?

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  11. Wow! Congratulations to Josh! It's a really great opportunity for him to be granted such title. That is such a blessing to you guys. Being a doctor, he now has the chance to reach out and touch the lives of millions of people, and a chance to help your family too. Wishing you all the best! :D

    Ravi Agarwal @ MediQ Financial Services

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    1. Thank you Ravi for your kind words.

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  12. As a prior clinical preceptor at Ross University, I felt your pain.
    Essential to look at residency requirements, US experience etc), before applying. Also don't expect to get into Harvard to do neurosurgery. Keep trying, don't give up. Best of luck to you and your wife.

    Ron

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    1. Thanks Ron. Yes, I think the key thing for others to take from our experience is to have realistic expectations as an IMG . I wrote a follow up post to this one: http://thescurlockscene.blogspot.com/2014/04/international-medical-graduate-would-we.html
      Here I talked a little about our decision. Thanks for reading!

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  13. Wow, congratulations to Josh!!! So sad what you guys had to go thru. Your family picture is absolutely adorable.

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  14. umm... who says PSych is primary????

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    1. I'm sorry if that was offensive to you. I suppose psych is not primary care. The point in that portion of my post was that those four things are what most IMG's match in to.

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  16. This is going to sound like a random question in relation to your post....but does your husband regret going to a Caribbean school as opposed to a US school or would he recommend SGU to someone applying to medical school?

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    2. Hi there! I actually did a post about this exact topic. It can be found here (From April 2014). Hope it is helpful!

      http://thescurlockscene.blogspot.com/2014/04/international-medical-graduate-would-we.html

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  20. Thanks for sharing. My wife and I are AUA or Ross bound. I'm interested in general surgery and her in family practice. Any advice on trying to get into competitive residency as an IMG?

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    1. Hi William, congrats! Your wife should have no problem matching into a FM residency, as it is considered fairly "easy" for off shore students. General Surgery is a bit of a different story. You'll need to absolutely kill your boards and having some contacts in residency programs wouldn't hurt. I would suggest having a back up plan that you would be happy with doing or be willing to do a prelim year in surgery. The problem with that is that there is no guarantee of a permanent position so it can be very risky. I believe that there were close to 500 students from SGU who entered the match in 2014 and only about 20 of them matched into gen surg. That number kind of speaks for itself about the difficulty. It can be done, but it is VERY hard. Good luck!

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  21. Hey, I know Josh from Newcastle! Congrats to you guys. I'm finishing this year and praying for the best. Cheers to your beautiful family!

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  22. Dear Stephanie,

    First of all, congratulations to Josh! He deserves it after all the hard work! I would also like to thank you for putting in the time and effort in creating this blog. It was a lot of help. However, I was wondering if I could ask you and/or Josh on some advice/suggestions for my brother's current situation. He is in a similar situation as what Josh had experienced, but only with a few differences. For privacy reasons, I won't discuss it over the web but if you could kindly reply to this message at: the007th@yahoo.com and we can start from there, I'd really appreciate it. Thanks!

    Kevin

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  24. Hi Stephanie,

    Congratulations to Josh and your family. It's so inspiring and motivating to hear his success story. My friend is in a very similar situation at the moment, and I know he would really appreciate getting in touch with you/Josh for some advice. Would you please send me an email with your contact information so that I may forward it to him - subal.asghar@gmail.com.

    I hope to be in touch with you soon.

    Best,

    Subal

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  25. Dear Stephanie,

    I just found your blog right now when I am in the soap phase and it is nerve wrecking. Being and IMG, it is needless to say how I feel about everything right now. I would like to share and seek some advice from you if you do not mind. Please reply me at ala.synthase@gmail.com. I would really appreciate it, thank you.

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  26. Hi Stephanie,
    I am in the process of going through SOAP right now.. with only 1 hour left to get a call or an email you can say I am feeling rather hopeless but trying to hang onto hope. I am sure you are busy and may not see if this in time before 5.. but even if you see it after do you think you could please email me I have a question about the email your husband sent. Thank you soooo very much.. your story just gave me a bit of courage and a HUGE push to fight though the tears and remain positive. My email is qtimed@gmail.com.

    Thank you so much.

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  27. Dear Stephanie, thank you so much for this information. Your blog is the most accurate description of what we go through.
    I am also an IMG and would very much appreciate if you had time to contact me at mraquelbc@gmail.com
    I have not got any offer and I am struggling preparing the emails to contact the programs.
    Thank you again for such a great blog!!

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  28. Morning Stephanie,

    I read this blog about a year ago, and figured that going into a specialty like FM or IM would not be quite as nerve-wracking. Little did I know. Now I'm sending out the "hail-mary" emails that you talked about, but I was wondering if you knew what kind of content your hubby put in the emails themselves. Just general info about being interested in the programs or all his CV/PS/Scores, etc?

    Please email me back at borisrgalkin@gmail.com with some advice, I would really really appreciate it!

    Boris

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    1. Boris, I am sorry to hear about this. His emails were very generic. His name, he didn't match, he included all of his stats, test scores, gpa, etc in the body of the email but also attached his master file from his school with transcripts, test transcripts, MSPE, etc. Other than that, the email was pretty basic as he composed it VERY quickly,

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  29. Hello everyone! I'm sorry that I'm not able to email you all individually, but I did this post last night as a follow up to this one, with a little more information on what we've done. I hope it might be helpful to some of you and best of luck! http://thescurlockscene.blogspot.com/2015/03/the-match-soap-and-reality-of-being-img.html

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    1. While I am happy for your husband, his story is exactly why I will never even consider the Carribean.

      He was one of the top students, had great recommendations, and had a beautiful wife (it's true). But not only couldn't he match during the first cycle, he couldn't even match during SOAP.

      It took a last ditch email to luckily find a spot. And while it's better than nothing, your husband matched into a preliminary spot- which a lot of people call dead ends.

      Say what you will, but even the best from the Carribean get screwed. Whereas the worst in the US have an easier time

      Delete
    2. Yes, Anon, that is why I have written this post so that those that are considering Caribbean schools are aware of the challenges they may face. And yes, he ended up in a prelim spot during last year's match, but if you read my current posts, you will see that he matched into a categorical gen surg spot this year. We are very happy with the outcome of our story and while I agreed that those in the US have it easier, some people just don't get accepted to US schools. We are still happy with our decision to go to SGU so that Josh could become an MD. But I hope that those that read this blog know that it was definitely a bit of an uphill battle.

      Delete
  30. Thank you for your personally time in sharing this experience on the web! It has been a tremendous blessing to others! As someone said previously, this was an act of God. And I actually believe God will do it again and again and again to help those who want to fulfill their dream of being an MD. Thank you for not giving up, thank you for spreading the courage to countless IMG who may face this situation. My wife and I will join your family in prayer and hopes as he finishes his program in MA.

    ReplyDelete
    Replies
    1. Thank you William. Good luck to you and your family!

      Delete
  31. While I am happy for your husband, his story is exactly why I will never even consider the Carri bean.

    Uzhhorod Medical University is the Foreign Medical Schools where student can enrolled their goal Uzhhorod National University (UZNU) is one of the prestigious medical universities in Ukraine & is recommended for students looking for cheapest foreign Medical schools or universities in Europe.

    ReplyDelete
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  36. Wow really good article, Thanks for the great information. It is very useful and valuable.
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  38. I know where I'm going and I know the truth, and I don't have to be what you want me to be. I'm free to be what I want.Thankyou i really love it

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  49. Hi Thank you for writing about your experiences. I am a US resident but have went to medical school in the UK and I have been working in internal medicine since I graduated in 2010. I met my husband in the UK and now that we are married I want to go back to the US. I am just about to start studying for USMLEs and I know I need very high scores in these exams. I wish to do family medicine but on looking at a lot of the residency programmes they want you to have graduated within 5 years. By the time I get through all steps of the USMLEs and am eligible to apply to the match it could be 7 years since I graduated. Do you have any experience with this and any advise for me? I feel overwhelmed certainly as it is a massive risk as I am well on my way to becoming a Dermatologist in the UK (which I know is not an option in the US). Many thanks.

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  58. I love a happy ending!

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  66. Hi there! I just want to say that I really enjoyed your website. You provide a lot of high quality information. I’m currently a dermatology resident who developed a interview video series to help people match to their dream residencies. We’re focused on helping IMGs (both American and Foreign). Check it out at http://www.residencyinterviewquestions.com – I think it would of interest to your readers. We’d appreciate any mention at all! We’d definitely love to link to your site too.

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  71. Dear Stephanie and Josh,

    Thank you for sharing your stories. I am also an SGU'er. I'm in my 4th year and on the track of applications and waiting for interview emails.

    I can really empathize with the hardships that you guys had gone through because we are currently experiencing similar things with the application process. I just wanted to say I'm really proud to have alums/alum family like you guys who share your experience. It definitely is encouraging to see success stories!

    Thanks again for sharing!

    ReplyDelete
    Replies
    1. I wish you luck during your application season. Keep your head up! It can all work out despite how it may seem at times!

      Delete
  72. Hello,

    I'm happy to know that you succeeded in this process. My question is, what advice would you give to a student who has recently been accepted to a Caribbean medical school who never had the stats to even apply to a US medical school? Is it really that risky to go to these schools or will really hard work, just like with your story, lead to success in the end?

    Thanks

    ReplyDelete
    Replies
    1. Hi there, thanks for commenting! Um, I mean I really can't say what would for sure lead to a success story as IMG. Ours did, and we know plenty of people who have successfully matched after coming out of a caribbean school, but I know many others who either never made it through school to begin with or didn't match and still haven't. I will say that doing well in school is obviously important, as is the ability to excel on the Steps (especially step 1) in order to get a residency position. You need to have realistic expectations coming out of an international school. Peds, family med, internal med, and psych residencies are far and away the most likely positions to get and should be the expectation out of a Carib school. You have to weigh your options, we would have been in a world of hurt debt wise had josh not matched and I know people who are almost half a million dollars in debt right now that can't graduate because they can't pass step 2. So it really is hard for me to say. Good luck in your endeavors and if you do decide to go to the Caribbean school, I wish you success.

      Delete
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    ReplyDelete
  117. Do you need a loan. We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan. Please contact us directly on via: woodgatecredit@outlook.com

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  119. Good Day Everyone

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  120. Good Day Everyone

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  121. Good Day Everyone

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  122. Good Day Everyone

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  123. RELIABLE AND AFFORDABLE LOAN OFFER FOR PERSONAL LOAN, INVESTMENT LOAN & BUSINESS LOAN at Email: profclaudecapital@gmail.com

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  124. Good day if you need a loan of any kind then you have to contact me for a convenient loan service at interest of 2%, if you need loans such as -

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    ReplyDelete
  125. Hello,

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    ReplyDelete
  126. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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    ReplyDelete
  127. WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

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    BORROWER INFORMATION

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    ReplyDelete
  128. My name is Mrs Abigail Mills we are a new legit loan lenders of 2018 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

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    ReplyDelete
  129. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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    ReplyDelete
  130. Greetings..
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    ReplyDelete
  131. Attention

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    ReplyDelete
  132. Hello Everyone

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    ReplyDelete
  133. Hello everyone my name is katheryn Liz Rhea am from San Francisco USA. I just received my loan now from Mrs Abigail Mills loan company they are new legit loan company of 2018 and it has not been long i received my loan from them i got my loan from them today and now as am posting this message i am very happy this company is real great so anyone that need a loan contact this company they are real great their mail is abigailmills.loans227@gmail.com

    ReplyDelete
  134. Hello everyone my name is Maksims Odincovs and i am from USA, Chicago i have been on the internet and i have heard people saying they have been scammed before and i urgently need a loan so i was afraid to apply for a loan online thing i saw 3 people testify about Mrs Abigail Mills loan company that they got there loan from her i have never applied for a loan before and i was so afraid that i will get scammed but i believed what the people says and apply from that loan company and everything was fine and they told me to send the transfer fee which will be used to transfer my loan when they told me that i was so afraid that it was a scammed so i sat down and i thought about it and i went back to them and tell them i have never done this before but Mrs Abigail Mills said i should trust them that they are going to help me so i did and i went to send the fee which they said i should send for the transfer of my loan just today i got an alert from my back that there is money on my account. Today i am very happy i have never been scammed before and i got my loan once so now i am happy and me and my family us going to be happy too so anyone that need a loan should apply from this company without been scammed because she is real and great and i pray God should continue to use her to help people of there loans. her mail address is abigailmills.loans227@gmail.com.

    Once again i remain Maksims Odincovs

    ReplyDelete
  135. My name is Deann Twila Alba i am from San Antonio i have heard of this company that they give loans and i went to apply for a loan from them i have heard people saying about scam but i have never been scammed before this company helped me with my loan so anyone that need a loan should apply from them there loans is fast and safe their mail address abigailmills.loans227@gmail.com

    ReplyDelete
  136. Hello Everyone

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    ReplyDelete
  137. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2018 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  138. Good day everyone my name is Donna Susan Patricia and i am from Houston, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2017 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2016 and we are in 2018 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.

    Have a nice day everyone and i pray you are all happy as i am today

    ReplyDelete
  139. My name is Kimberly Lori Cheryl and i am from US, San Jose i want to use this time to tell everyone on the internet on how i received my loan after been scammed 3 times i applied for a loan from Abigail Mills loan company yesterday i saw people testify about her good works and on how she helped people so i decided to apply and she told me what i needed to do i was scared but i did it this morning now i just received an alert from my bank there there money in my account and i checked the amount and it was my loan i am so happy. So i want to use this time and say to everyone on the internet that this company is real if you need a loan this company is the right company to apply from do not get scammed like me because there are scammers out there apply from this company and you will be happy. their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  140. My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.

    finally i am really happy and can start my own business now. Thank you once again Patricia you are great and God bless you and your company.

    ReplyDelete
  141. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very sucked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com

    This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.

    Thanks everyone and i remain Gwendolyn Tammie Shari.

    ReplyDelete
  142. Good day My name is Ebba Agnes Lilly i am from New York City this company Abigail Mills people are talking about is real i never wanted a loan but i just said i should try this company and see if what people are saying is true and i applied for a loan from them yesterday and i just received my loan today from Abigail Mills loan company anyone if you read this message and you need a loan apply from this company cause they are going to help you this company is the only company that offers real loan online. The loan i applied from them was $75,000.00 dollars and in 8 hours time i received my loan so my friends don't be scammed if you need a real loan this is the right company to apply from. If you are interested of there loans their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  143. Hello Everyone

    I am Wilma Linnea Matilda and i am from Philadelphia USA. I was looking for an online loan and i was very scared i have never applied for a loan before and i searched very well and search for a real company there i found a company called Abigail Mills loan company i look and i saw what people said about this company was true i decided to apply for a loan from the company and i needed a loan of $150,000.00 dollars to start a business when i applied she told me all i needed to do i did it and she assured me that in 8 hours time i was going to be with my loan i said okay and i waited in exactly 8 hours time i receive my loan from this company as i am writing this now i have never been scammed before and this company is great i have been hearing people talking about scams but i have never been scammed before and i thank God for that. So everyone if you need a real loan this is the right company to apply from they will help you and the time they tell you that you will receive your loan that is the exact time you will receive your loan. I just have to write this message to everyone so that you wont apply for a loan from the wrong company if you need a real loan contact this company and you will be happy. Their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  144. Good day everyone

    My name is Vanessa Jodi i am from Los Angeles USA. I want to use this time to write to the internet that anyone if you need a true loan Abigail Mills is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgent to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Abigail Mills i saw a lot of people testified about this company that the company is truly great so at first i was afraid to apply cause i was cheated 2 times so i said to my self let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with my loan i wanted for my loan and on my eyes i received an alert from my bank that there were a sum of $200,000.00 into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and o thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Abigail Mills is the right company to apply from. In case you are in need of money you can only contact them via mail and their E-mail address is abigailmills.loans227@gmail.com. I thank everyone who rad my message and be safe and apply from this company because you will be happy with them.

    ReplyDelete
  145. My name is Robert Christopher. I am from USA New York City. I want to write to the internet that if you need a real loan Abigail Mills is the real loan company that gives loan i applied for a loan from this company last week Friday and i just received my loan from them today so everyone if you need a real loan without been scammed this is the right company to apply from thus company is truly great and they are real so many people that have been scammed if you need a loan without being scammed this is the real company that gives loans i applied for a loan from this company Abigail Mills and i received my loan today so anyone around the world if you need a true loan locate this company and be rest assured that this company is going to put a smile to your face. the company can be contacted via mail their mail address is abigailmills.loans227@gmail.com Thanks to anyone that will read this message this company does not know am doing this i am only doing this for people in need of a real loan to be safe.

    ReplyDelete
  146. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  147. My name is Leo Daniel Archer and i am from Australia i live in a city of Sydney. Have been looking for a loan online since can not get a loan from my bank and have only found people scamming me of my money. Last week i was scammed by a loan company and God know i was ready to end my life but i said to my self let me try and see if i will see a honest company that was ready to help you. So i settled down and search for a company and i read so many good comments about this company Abigail Mills and i said let me apply and see if i will be lucky as other people i was afraid but i gave my self a chance and i applied for a loan of $80,000.00 i explained to this company that i have been scammed and they told me not to worry that they will help you that they have helped so many people from my country before. So i gave this company a chance and they assured me that in 8 hours time i was going to be with my loan i did not believe but i waited for my loan. In exactly 8 hours time i received an alert from my back that my account has be credited with $80,000.00. All thanks to Abigail Mills this company is God cent. And i made a promise to my self that i will testify this company on how they helped me this company do not know am doing this now that am telling people on the internet how they helped me so everyone if you need a real loan Abigail Mills is here to help you do not be fooled by fake people who clam to be lender. I almost forgot you can only contact this company via mail and there contact details is abigailmills.loans227@gmail.com. This company is real and true so anyone that reads this message and you are interested contact this company cause they are the only one's that can help solve your problems.

    ReplyDelete
  148. Abigail God will bless you and your company

    My name is Veronica Rose Holly. I am from Chicago USA. I have nothing much to say anyone that need a true loan without you being cheated should apply from Abigail Mills cause i applied for a loan from this company today after i read so many good and wonderful comments about this company. I applied for a loan to pay my debts and all i needed was $50,000.00 because i will also use part of that money to pay my children school fees. As i am writing this on the internet now i just received my loan from this company today and i am so happy i never believed i would ever be happy again cause i have passed through a lot and i thank God for Abigail Mills God will bless her and his company for putting a smile to my face. So anyone around the world from Spain and other countries that need a loan your helper is here and the company is Abigail Mills anyone that applied from Abigail Mills loan company will have no problem cause you will receive your loan exactly the time she tells you. their company Email address is abigailmills.loans227@gmail.com

    Once again God bless you Abigail Mills and may you live long to continue helping people.

    ReplyDelete
  149. My name is Gwendolyn Shirley Tammie and i am from Houston in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

    ReplyDelete
  150. RELIABLE AND AFFORDABLE LOAN OFFER FOR PERSONAL LOAN, INVESTMENT LOAN & BUSINESS LOAN at Email: profclaudecapital@gmail.com

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  152. Are you in any financial crisis, do you need financial help? or do you need funds to start up your own business? Do you need funds to settle your debt, 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 service from local banks and other financial institutes? Here is your chance to obtain a financial service from our company. We offer all kind of loan to individual companies at 3% interest rate. If you need a loan do not hesitate to contact us via

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  153. Good Day Everyone

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  154. Good Day Everyone

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  158. RELIABLE AND AFFORDABLE LOAN OFFER FOR PERSONAL LOAN, INVESTMENT LOAN & BUSINESS LOAN at Email: profclaudecapital@gmail.com

    We are energetic loan lenders accredited to provide loans at 2% interest rate with assistance from a reputable bank. TOP PRIME AAA BANKS like Bank of America, HSBC, Lloyds, Wells Fargo, The Best Banks for SBA Loans etc. Are you in interested in getting a project or personal loan? Then search no more. contacting the right company for legitimate loan lender have always been a huge problem to clients who have financial problems and in need of solution to it at an affordable interest rate? processed within 24 hours. have you been turned down constantly by other banks and other financial institutions? contact LoansNow Capital Inc, We offer loans ranging from ($10,000.00 Thousand To $700,000,000.00 Million Dollars). We are a lending organization and had the highest profit in the lending sector and as part of our humanitarian services we are offering out loans for developing business a competitive edge/Business expansion. What is your situation? *Need 100% financing *Can't verify income *Can't verify employment *Recently self employed *Bankruptcy Collections *Credit issues *Accumulated Bills Settlement * Personal Investment Project or Company Investment Projects e.t.c. Apply for a quick and convenient loan to pay off bills and debts, start a new business or refinance your projects and expand your business in this year 2018 with good faith. We are certified, trustworthy, reliable, efficient, fast and dynamic. No stress No tension, just apply free feel and relax to receive your loan, There is more to gain by getting a loan from this company. contact us at Phone Number: +1(415) 322-7529, Email: profclaudecapital@gmail.com

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