The real issue isn't the debt-to-income ratio for physicians. But the
relative debt-to-income ratio in the field of medicine compared to other fields.
Prospective students have to chose amongst the options available to them. They have to decide if they will be: accountants, lawyers, PhDs, or physicians (to provide a few examples)
Law=massive debt and no job
PhD (in bio)=years slaving away as a post-doc making 40k with no hope of tenure
Accountants=actually probably a decent financial career (see the MBA figures in the paper), but super boring
Physicians=high debt, high pay, and high job security
As long as physicians are financially better off compared to other fields, then students will still flock to medical school.
Judging from the second graph in the article, it will be a long time before people are dissuaded from being a physician for financial reasons.
P.S. And for students in Texas, it will be even longer. (note: Every time i read an article about student debt, i thank god I was born in Texas.
)