I wil be an MS1 in August. I am already freaked out about the financials. By tuition is $16,000 and I will also get $18,000 in loans for living expenses. I am not an URM but I am from a low income family (very low, below poverty threshold). That shows that I simply cannot pay for school out of my pocket. People told me to join army but I do not really want to sign for any commitment (for personal reasons). I also do not get a grant after school obligations or commitments. Does any of you go to a state school and are in my condition? Does your school gives any grants because you are disadvantaged but not an URM. Life is hard for poor-white boys like me. What is the norm, is there anyway to get grants or I have to take all loans and graduate with $140000 in debt. Being a doctor is my dream and I made it unitl now but I do not know how to cope with the debt.