Why finish last two years if you're certain that you don't want to be a medical doctor? And take out additional 80k for loans? That must be the dumbest "advice" I've ever heard. Besides, the OP hasn't specified what aspect of medical clinical work that he/she doesn't find appealing. Perhaps there's something in dental clinical work that he/she may find more appealing. That's something that YOU don't know.
Besides, there are programs at schools like Columbia where many of the preclincial class credits can be transferred from med school to dental school, so you don't have to start from scratch as D1. Why do you think there are such programs if it isn't recognized that there may be genuine reasons why people switch from medicine to dentistry.
Lastly, you're not a dentist, you've never attended dental school, you don't have any experience in this area either!!