She gay.
So Columbia, if I can give you some numbers, it may make you sick, but may also make you realize that the daunting debt of medical school can be paid off quickly no matter the specialty you pursue. These are estimations but they should be pretty close.
Over my 4 years of med school I'll take out a total of $320K (accounting for average tuition increase of 3.8 percent per year the last 4 years and average yearly cost of living increase). Including interest that will equal approx. $390K upon completion of school. After graduation I will refinance my loans (several options) to about a 3% interest rate so it accumulates less interest during residency.
If I pay nothing during 4 years of residency then begin paying around 5k a month toward loans, I'll pay off my loans in 7-8 years after residency. Grand total equaling about $480K. (I have all the real numbers I calculated on a spreadsheet but I'm not looking at that now so some numbers may be off a bit.)
5K may seem like a lot but consider going from resident salary (40-50K pre-tax) to, let's say, $200K taxed at 40% you bring home $120K and put half of that to loans, you are still living off 15-20k more than before. 60k is a very reasonable amount to live off of for a few years. If you make, say, 400K, then set a budget to live off 100K and put the rest toward loans. Pay it off in 3 years!
The point of all this is that yes the debt sucks and its honestly terrifying, but it can be dealt with just fine if you are wise with your money. Others will choose minimum payments, some will choose hpsp, and some the nhsc. You'll figure out what works for you.