Pick NYU no cost option. You’ll easily match any primary care you choose even without AOA. And, being lower end of pay spectrum, you’ll not only be debt free, but if you choose 3yr program and willing to stay at NYU extra three years for residency, you'll have an extra year of earning in your career to love more comfortable. You can live like a resident your first year after completing residency while employed and and the $100K extra to invest in the market, at 10% a yr S&P 500 index fund average return, you'll have an extra $1.6M in about 24 yr.