hey guys, i'm having a hard time deciding if i should go to upenn, or baylor. if money was not a factor, i would definitely go to upenn with no doubts. but now, i have to make a decision based on pay 72K a year at upenn v. 36K at baylor. at first, it seemed like it wasn't that much money. but after i did a calculation, it doesn't seem financially viable. so assuming i go to upenn, i'll have to pay 72K every year for 4 years. i will just assume that if i specialise, in say ortho, it will cost me the same amount. so essentially 72K for 6 years. i will also assume a constant interest rate of 5% each year. after the 6 years, i will owe 514224.61. if i attempt to start paying after these 6 years, it will cost me about $5500 every month ($66K every year) for TEN years to pay off all of my debt. this does not even include the loans i will need to take out for private practice (how much does it cost to start one? about 300K?). how do you guys (those who go to private schools, which probably cost more or less the same...) afford this? cuz if i work as an associate, i will probably make at most 150K right? after taxes, i'll only have about 100K. after paying off the 66K, i'll only have 34K left for living expenses. i just don't see how this is enough if i will have a family going by then...and this will be carried on for many years... sorry for the long post...i just wanted to get some advice on how some of you intend on managing this massive debt afterwards...hoping that there will be a reasonable approach to this debt problem so that i can actually afford upenn... thanks for any advice that can be given!