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[Pacific_Ocean]

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[Darrow O'Lykos]

Putting off a year of making attending salary just to make $40k-50k now is a bad idea.

Take the offer and go be a doctor.

 

[Lem0nz]

Is it stupid to defer 1 year just to earn another $40-50k towards my med school expenses?

That's gonna be a yes chief. That's stupid.

 

[mrbreakfast]

$50,000 at, say 8% interest, over 9 years (4 years of med school + 5 years of residency/fellowship), with $0 payments over that period against the interest/principal, will essentially double (~$102K) over that period. That will very likely be less than half of your attending post-tax income.

Putting even $200/month toward that balance once you enter residency drops that to $88,000. If you were to finish in 3 years instead of 5, knock another $10K off of that.

In summary, don't do this.

 

[DrStephenStrange]

A year of earning $40K-$50K also means a year of not making $250K-$300K, so yes, it is a stupid idea.