You wrote this in response to
@Birdstrike 's recommendation of:
Any specialty where you can work regular hours, no nights, no weekends, no holidays and no call, can be good. That's as long as you don't put yourself >6 mos salary in debt during your training.
@Ho0v-man , while you're partially correct you're (possibly) also way off base.
You're spot-on that med school debts continue to grow and grow with each year. It sucks balls.
But you're potentially waayyy off base if you're convinced that you can't get into a specialty working regular hours, no nights, no weekend, no holiday and no call...and still pay off your loans. But I honestly can't tell from how your post is phrased. You may not be saying this in which case, my bad. But if you are...well dude you absolutely can.
And you don't have to be a super genius to do it. I tell med students to at least consider what have become the stealth "lowlies"-- Psych, IM and FM (lets call them PIF for brevity). Despite increasing awareness about how awesome PIF can be from a lifestyle and $ perspective, they still get crapped on all day long by ivory tower folks and subspecialists so med students stay primed to also look down on them. But I'm telling every med student who reads this...take a look at the trillions of job postings for outpatient jobs in these areas. No matter how desirable the city/location, there are always postings for 4d/wk no nights/weekends/holiday jobs in these fields paying in at least the mid 200s...yes that includes Denver, Austin (and other places EM folks who kill to work in). Many of these gigs offer loan repayment too. Many employed PIF docs make well into the 300s (and sometimes into the 400s). PIFs who start their own practice can make much more. PIF also offers a gigantic amount of varied work options to meet your life/financial needs and keep things fresh and reinvent your career (if you want that) over time. They also allow the lowest priced entry into a cash-only practice where patients don't get raked over the coals and docs get paid fairly and have total control.
And this is just for arguably 3 of the least competitive fields in medicine.
Will step off my soap-box now...but just because EM is imploding doesn't mean all of medicine is totally horrible. Within the overall sea of $hit medicine is currently resembling, there are still several bright spots if you look for them.