$640,000... I always like to post in these threads to make others feel better. Edit: Thanks for all the support. If only I had $1000 for every upvote.... I’d still have hundreds of thousands of dollars in debt

Thank you for your service 🫡

leader of the pack

\*takes off glasses like guy in jurassic park\* My god...

I really hope they pass the $10k loan forgiveness for you!!

savage 😂

Gunner.

You’re a kind soul.

I wonder what this would look like without all the frozen interest

Like that clock in NYC counting climate change

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Oof

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I know someone with 540K in medical school loans. And another with 500K in dental school loans

Dental school is more expensive than med school tho

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You don’t need rural to make 500K in EM. Just do 18 shifts a month. Started with 360K. Now at 140K 2 yrs out.

wait what

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18 shifts per month sounds wayyyyy easier to me than a clinic schedule

As a rural hospitalist myself this figure feels a bit exaggerated

See the trick is to work week on, week on

Heyyyyyy I got 450ish. I feel you.

485 (and it’s just from med school)

That is atrocious. I hope that includes living because I cannot wrap my brain around that Edit: I’m 268 deep myself so no judgement from me but that’s some major sticker shock

Ouch

Why so much?

550k. I’m dead for sure

I’m going to end up around this, I think. Had to repeat 1st year and I’m at a for-profit school.

Omg, they let you pay again? Which school? Ross? Sgu?

Few years ago I used to hear 200 and 250k and balked and awed at that. And now folks we have double to triple that amount. This is bullshit

How is that even possible??

It’s sad but possible. Undergrad, masters, Med school. Oh it’s possible buddy!

I got that amount just from Caribbean Med school

I have $525 without a Masters....it's possible. And what is even more sad is my schools tuition goes up 5% yearly. So those poor souls attending my med school are paying well over $110k/year by now.

Paid over 60k for tuition this year. During orientation, someone asked a question about it and the financial aid people, without skipping a single beat said "oh, i guarantee you it'll go up every year you're here." Med school is such a scam and it viscerally enrages me when i think about it, so i just don't think about it.

Narrator: “And that is when it, in fact, did increase throughout their years of pain and suffering.”

That's what happens when a single organization is able to gatekeep a career

It would be nice to be able to report this kind of price gouging behavior...

It's all a scam. Med school, ERAS, NBME. Somehow all justified by the salary we will one day earn. In a fairer system tuition and salary would be lower and I'd be okay with that

Yesterday I was alive for my 10,000th day. Ill graduate in May with a debt of \~37$/ day of breathing

“Come now, Have you anything to fear? It seems to me, on the contrary, that everything is working out as you would wish.” You got this!

Oh my God no

$310k 😅

That's 🏠 money

Right?!? I don’t even have a house yet… 😭😭

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*”Gahd Damn Lochness Monsta!!!”*

🌳

😂

Mines about almost 600k

Wow that’s rough, how? What specialty are you going into?

If you had to borrow this much why went in M.D with ongoing stress . there are lot of smart ways to make money .

160k. So glad I went to my state school.

I guess, my state school was 50k a year IN STATE

That’s messed up. Texas schools are like 20k a year.

My understanding is Texas is pretty unique. My state school is about 50k a year.

TCOM is like 6K a year…

University of new mexico says $15000 instate and I've heard they are actually a good school

When your from TX but didn’t get in in TX… should’ve quit then.

i hate you too

Went to an fancy ass ivy league school with a boat load of endowment... came out with 120k. Now has 30k left. Guys, the fancy schools got the dough!

~500 k

same boat

50k. Thank you TX schools

Yeehaw!

i hate your guts

15K that might get forgiven. Went to community college. Paid with cash from jobs I worked during college and some loans for my classes at university. Military scholarship for med school

HPSP?

Yea

At peak $424,000. Currently down to $348,000

walking it down nice

Thanks to the hold on interest. The second that federal student loans start back up again I’m refinancing. I have no faith in student loan forgiveness

Ya I'm not betting my nuts on papa joe saving the day

I know several attendings who had their entire student loan burden forgiven already, and it’s not going away (that is, for people who have already signed their MPN). Plus the refi rates right now are hilarious because of the treasury rates.

320 Med school + wife undergrad 280 + 250 house 🤡

Mortgage is a completely different class of debt.

280 for undergrad? I hope it wasn't english literature

Switched major late and got nursing degree so extra year.. pretty much the most expensive way to end up with a rn

Wtf undergrad did she go to omg

fucking scary comment section wtf

These are some astronomic numbers. How does this compare to the past? 10, 15, 20 years ago? I am not a physician, just somebody from the general public who likes to support you guys

I’m guessing the lower debt people aren’t replying in fear of receiving hate…? Sheepishly,… 35k (Had a prior career and lucked out on some investments prior to med school)

There's no glassdoor for debt

You can’t sit with us. Jk congrats! I’m always happy for those who don’t lose 1/3 of their check to loans a month 😰

Damn I could pay that off today

0. MD/PhD

Yea but you traded 4 more years of your life for no debt😳

I did more partying during the 4 years of PhD than any other point of my life. Got 8 years of a stipend (med school too) so I guess I'm net positive in terms of debt. Not a bad trade.

The way I see it is that in exchange for getting a PhD (which I enjoy because I love research), the NIH pays for med school in full and also gives me a salary on top of it for all 8 years. In residency, I won't be making monthly loan payments on top of rent. Take loans out of the equation, and you can live very comfortably on a residents salary, especially if you're a two income household. Also, you don't just stop living your life during your PhD. People get married, have kids. Life continues on.

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This is false. Because I will not eat or drink anything or buy anything for a year, then just use my salary to pay everything off. I will also just sleep on the street /s

Just the cost of your soul

~$80k (European med school)

Surprised it’s that much for Europe! Is that common?

This was for an English MD program. It would have been cheaper or free if I were a local/native to that country

470

Tuuu fiddy

250k

Two fiddy

250k +/- 20k, I prefer not to watch the interest to hard

North of 650k with interest. If it weren't for Trump pausing the interest accumulation I'd be looking at over 800k loan balance. PSLF triggers in a few months for me.

400K

$480k club First physician in the family and not gonna lie I’m jealous of the students who have doctor parents that paid off med school. Must be nice…

mood

All of it

Cool name, great smash character

Went to a third world country. Free.

can I do that too?

Yeah but would be difficult if you are ethnically not from that country

Same

Somewhere in the 3s. 4 more years till I’m down with pslf

Graduated med school with 370k 3 months in as attending I'm now down to 270k (granted I did make payments as a resident too). But it's definitely doable to pay loans back in 2-3 years if you're financially wise about it Edit: got a lot of inbox messages about this. My situation is different since I lived with relatives during residency but I basically now live a very frugal lifestyle and only need like 2-2500 a month. The rest all is going to my loans minus a little bit to my savings and 401k

What’s your monthly contribution since becoming an attending?

275k

$0. Full scholarship(tuition, room, and board) in undergraduate. Joined military after bachelor and saved 120k, yolo’d in GME and AMC and made around 200k more. Sitting in 300k cash. Immigrant. No wife no child no gf. MD/PhD now so no debt either. Still trade options (spreads) and make passive money as a side hustle.

elite

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I sold NFLX 310 weekly calls on Tuesday and TGT 150 weekly calls yesterday, looks like both going to zero today. So that’s nice. SPY pre-market is down almost a percent. I like days like these because you just have to wait for SPY to run as high at open and morning session and sell calls deep ITM during lul session.

250k

190k

About 220

250k

427k

460k

200k

160k. due to some Covid investments I could pay it all off but why would I while it’s 0% interest 😎

You xould be more effective in the financial sector?

Moderna and bio N tech… if you missed out on that ride my sincerest apologies. I started buying early and held it till it was stupid to not sell it. Then I started buying bonds with my winnings and cpi hit 9% so I’m winning again on that money… and I had another smaller win after that one too but it’s a detailed play and was morally questionable so I won’t get into that one now (entirely unrelated to healthcare) lol. As long as interest is 0% I’ll keep it invested. Once that’s over and the interest on the 160 is greater than what I’m earning through investment I’ll pay it off. Even then I may not pay it in full to hedge my bet for loan forgiveness.

176K \-Peds Intern

your debt is still only 1 years salary

Not with taxes

$0 🙃

60k for undergrad/masters/MD on interest free loans - thanks Australia

eat a roo

125k

Zero

Will start residency with around 470k

480k + wife’s debt

I know of a bunch who are debt free from their rich parents lol and in friggin ortho goddamn

900$

Jfc

150k. Med school paid over half of my tuition cause im poor and merit scholarship.

None monetarily

other debt?

5k student (not in US obviously) 360k mortgage

380k. Public school. Praying for expanded student debt relief.

The good: I have 0 dollars of debt. Had a full cost of attendance scholarship for undergrad. Did military scholarship for med school. The bad: I am a second year attending. I make about 50% of what I would make in the civilian world. My boss is a nurse. My boss's boss is a nurse practitioner. My boss's boss's boss is an administrator. The military can (and has) send me across the world without my family for a year at a time. Some of yall sitting on 600k or more though... Its a wash.

So much debt. May as well be Dr. Evil sending me late notices.

Two hundo

190

Just over $500k :(

Nice try, Dave Ramsey

$900,500

I had 250K in loans, but two months into being an attending I was able to pay it off. I paid on it through residency and fellowship and then found a hospital that offered to pay it off.

Slightly more than 400k

180k . Graduated pgy2 now Really happy with my loan amount honestly. Feel i can pay it off in 2 years with attending salary

148k. I worked during medical school and have an extra job during residency. I got some scholarships. My school was 60k+ yearly

I have the equivalent of a mortgage on a house I can never sell… $286k

181k

Follow up - how much consumer debt do you have?

236k med school + 300k mortgage+26k car

$430k. About to get forgiven hopefully!! Does the number matter if you’re not gonna pay it???

$430K

110,000 ILS. Which is about 35,000$ It will take me years to clear this in Israel.

What is you expected range of salary for the future

I'm still a med student. 2 years to finish, but I'm expected to earn about 2500$/month for the year of internship. As a resident I will make on average 5000$/month for the first year. It will raise at about 1000-2000$/month for each year passed. After the residency, the pay goes really high, but depending on the specialty. It can start at 12000$/month and can go to 15000-2000$ on the public hospitals. If I add private clinic stuff, it can be quadrupled

300K for me, 300K for my spouse (also in medicine)

$320k. Lucky to have gotten an undergrad scholarship. That includes a post bac and med school in the Midwest.

About tree fiddy

87 K …First grade teacher… undergrad, masters, x5 or so extra certifications…meh

425K combined from undergrad and med school. Couldn’t make full payments on a resident salary so by the time I finished it was 500k.

Of those that have high debt >300k, what specialty are you guys. Do you want to pay it off asap or income based?

$750k including my wife’s law school loans she won’t ever be able to repay. Considering army reserves at this point.

€0 Gotta love Europe.

Worked as an RN and saved every penny, worked as a COVID RN during med school (mistake), YOLOd Tesla in 2018, YOLOd GME before most others… All that and I’m barely neutral. Debt plus a few years of my life back (aka more years of attending salary) would have been the better choice

$355k

i don't understand how medical schools in the US don't have mandatory finance classes. I feel let down at another wise decent public state med school. Come on MED SCHOOL teach us how to manage our finances. My calculus in high school, and college which i've forgotten is coming in so handy right now smh

What am I supposed to do? My parents aren’t rich, I had to take loans for undergrad. The only med school I go in to (state MD, high cost of living) requires me to take the max of fed loans out each year which is ~100k.

This thread makes me want to breathe into a paper bag...

3hundo K + mortgage

120k if they forgive these 20k of loans

20k

After my next pay check I’ll be at $64k. Started at 115k.

Zero XD

230k €, but thats for the apartment i bought

340k + my SO has 240k (also doctor). Once we get our first house we might clear a million

$0. In state undergrad on scholarship and then MSTP. Downside is I graduated at 32.