How do you pay for medical school? I don't own a home so I can't mortage a house. I'm in $45,000 debt from undergraduate school and I will probably be in $90,000 by the time I even begin to apply to med school. I've read that you can only have $130,000 total federal debt before you can't apply for any more loans. I'm beginning to really worry. Is medical school financially affordable to me. My credit is shot and there is no way I can clean this up before I get into medical school due to me having a car repoed and other debts. I sure can't pay off my debt because I don't work full-time while I go to school. I'm going to need to go to graduate school because I don't want to do a post-bac certificate program. Although, the post-bac program I would choose to go to is Temple since they are the cheapest I could find and the easiest to get into for non-science majors. So, tell me how you do it? I'm at a lost and feel that financially, I just can't afford to go to medical school .