Hey guys, Got my estimate from UCLA. Qualified for $5000 transitional scholarship and $13,700 need-based scholarship (which should be on the high end considering that my parents don't make that much). That leaves $30,000 left that I need to take out in loans. In subsequent years, I won't get the transitional scholarship so I'll need to take out $35,000. This means I'll be in debt $135,000 over 4 years. I'm somewhat confused about this. The MSAR says average indebtedness for UCLA is 98,000. I would think that I would have less than average debt, not $40,000 more than average. My estimate at Stanford also put me in debt 130,000 even though MSAR lists the average to be 70,000. How do you explain this discrepancy? Are there things you do in medical school to reduce your debt? Thanks for the help.