I cannot stress the importance of addressing the financial aspect enough. Looking at the tuition rates now and how reimbursements are in primary care, you may be spending significantly more than you will realize. No interest, no housing, no food, no exams, no books, you're looking at about 290k in debt, assuming no more than a 6.8% intrest. I'm going to assume that you're going to spend about 30k for room and board and tests and other stuff... and that's conservatively. So now you're looking at 420k (that 120k has no interest included), so I suspect you will be close to 500k when done with a 3 year residency. You refi that into a 30 year note and you end up paying about 3200 a month for 30 years. That will translate to about 20-30% of your paycheck after taxes. I'm telling you from personal experience, that that will be a devastating amount of money. Getting an RN and working your but off you will end up with TONS more money and less headache/heartache in the long run. If you're gonna match ortho, derm, rads, never mind it won't be that bad. 50% reading this will be primary care. And unless you go military, or FHCS it will be hard to recover. And you cannot get rid of these loans.