No offense to you personally (I'm an older nontrad mysef), but the fellowship programs aren't really interested in what YOUR needs are. They pay what they pay (same rate for everyone), and that's it. They assume that you were aware of the economics when you decided to go to med school, and when you chose your specialty. And if you haven't sat down yet and figured out whether you can get through those years economically, I would urge you to do so, because this is hardly a trivial issue.
Aside from economics, I don't see much point worrying about your fellowship chances before you even start med school. The only exception might be if you're really getting up there in age (say, over 50) and you're dead set on a super-competitive specialty like orthopedic surgery. There is still significant age discrimination out there in such specialties, although it's seldom discussed openly, and the older you are, the more it can come into play. But even then, most med students change their minds about specialties during school, so it might not matter in the end.