I owed nearly 200K in student loans when I graduated from med school. After deferring said loans in residency, that amount was a solid 200K. Yep, like alotta you out there, I had to personally pay for my education. As a fourth year med student, I thought pragmatically.... hmmm..... I owe X amount. Debt is an anchor. I wanna pay off my debt, but still be happy. BOOM!!! A light goes off in my head. I'm gonna specialize. Now 11 years into private practice.....student loans paid off years ago....money no longer an issue... I wanna hear from the med students going into primary care with 200K in student loans. What motivates a dude/dudette to go into a specialty where monetary reimbursement is less than some nurses? Are there really philanthropic people left out there, concerned about societal issues in medicine? If you are a med student reading this, do you think you'll think the same way after your residency is over? Can one be comfortable with the fact that after 4 years of college, 4 years of med school, then residency, you've selected primary care as your profession which puts you behind the eight ball financially? BTW....one of the most conflicting issues in marriages is....MONEY. So, again, why would a med student select primary care? (rich family prodigies out there, you dont count) Five years outta residency your focuses will be different.....family.....hobbies.... I read a post in this FM section about personal finance.....went something like...."its OK to rent..." WTF? You're gonna endure pre-med/med school....business major colleagues are sittin' out by the pool while you're in the study lounge cramming for an organic chem final...or 1st year med school biochem....2nd year pathophys... endure 3rd year clinicals......then select a career where the reimbursement suks to the point where you haffta rent? Cummon.... This post is not for the FP people who have already selected their fate. This post is for med students reading this who are trying to figure out what they want to do with the rest of their lives.... I'm 11 years out of residency. Specialist. Love my job. Plenty of time off. Money not an issue anymore. My student loans are long gone. I didnt make the rules..... ....the rules are..... ...specialists make more than twice that of primary care docs. And pick your specialty wisely, you'll make twice-bank with 9-12 weeks vacation. So I'm wondering why med students would want to go into primary care. Yep, an inflammatory thread. But I wanna know, and YOU DESERVE TO KNOW WHAT YOUR MED SCHOOL ACADEMIC "ADVISORS" aren't telling you, which is being saddled with 200k student loans and selecting primary care is FINANCIAL SUICIDE. P.S. : If your dad has paid for college/med school/condo during residency, your opinion doesnt count.