Being a born canadian (Torontonian to be exact)....is only a faint memory now. I left over 6 years ago for medical school (Europe and Caribbean)....I knew from the first day of biology class at Convocation Hall (Univ of Toronto) that I wouldn't get in. The prof mentioned that everyone in that class wanted to get into med school and only 3% would (class of 1800). I was determined to be a part of that 3%.
Travelling around the world has opened up my mind to what else this world has to offer. This is something I find that many don't realize. I now know that I will practice in the US and will only go back to Toronto to visit. I love Toronto, it's my home, but working there is unrealistic for me. Doing the board exams (MCQQE's--sp?) and then working up north in the middle of ice and snow wouldn't even cross my mind once.
After living in the Caribbean, you sort of become "immune" to the snow/cold weather...i could not tolerate the cold weather upon my return to the US/Canada (so much so, that i was told to get a TSH check, just in case).hehehe...(normal, thank goodness!).
For those pondering weather to study in the US/Caribbean, i say go for it. I know that the loans in excess of $150 000 USD may seem troubling, but considering how much money you will make when you finish residency...(start in excess of $100 000 of course depending on the specialty)....why worry?
Live poorly ($40 000/yr most of US, $50 000/yr in NYC) for a few years during residency, and then pay the loan off ASAP after residency.
hope this helps with weighing out your options; i speak only of experience.