First, residency is not affiliated with a "college", it's generally hospital based. The hospital may or may not be affiliated with a university system, but you won't really be. Second, you receive a stipend from the residency which is your "salary", although it's not called that because they have fewer obligations to you if you are a trainee and not an employee. Third, you are never asked to pay anything in residency, other than your time, sweat and tears, except perhaps for Step 3 and various specialty boards if nonessential to the residency. Most programs will cover various other costs and educational programs and most often even give you reimbursement for books and subscriptions you may feel you need, and will send you to specialty meetings/conventions if you have a poster/presentation. Fourth, this is totally the wrong board to ask this question -- it belongs in the general residency board, IMHO. The Step I board is for questions about (surprise surprise) Step 1.