When he was in dental school, the OP had spent 3 hours every day to commute to school (from his parents' home) to save money on rents and food. This showed that he was very concerned about the student loan debt after graduation. This alone already put him ahead of most of his classmates.What were you like as a student in dental school? How was your class rank? Did you feel like you were usually ahead of the rest of your class like you are now?