i had an interviewer at cornell med who really gave me some great advice. he asked me what factors i would be considering in my ultimate school choice, and somewhere in there i listed financial aid. basically he told me flat out that i should never pick a school for financial reasons, but where i believe i fit in, will enjoy the most, and will give me the most career opportunities. he was middle aged, the head of pediatrics in one of cornell's hospitals, and he told me he just finished paying off his med school loans in time to start paying his son's college tuition. yet even with the loans, he described to me his waterfront house in queens, his boat, his beach house somewhere on the jersey shore, etc. so the lesson is, you can still have a great lifestyle regardless of loans, but in the meantime you should enjoy your career path every step of the way. =)