Hi,

I know that some med schools require a full-time course load, but what about health-related professional schools (such as physio)? They only count the last 20 credits before application. If my 2nd yr 2nd term only has 3 courses, does that put me in a disadvantage compared to those that those 5 that term?

That's something you need to look into with the individual schools you're applying to. They all have different rules.

From what you have described though, it sounds like the last 20 credits is the last 20 credits and it doesn't matter when you took them. That is solely based on your post though, so you should do research yourself to confirm.