I work a few times/mo at a rural emergency facility with an on call ob doc. the same guy covers an area of several hundred square miles and is always on call for 3 different hospitals. he keeps trying to retire and the hospitals keep throwing money at him to sign on for an additional yr. when he takes vacation he has to find his own coverage via a locums group in his absence. he works hard but is likely making > 500k/yr and will retire before 60. I'm sure he got both state and federal loan repayment when he started out as this is definitely a health provider shortage area. I know he also gets a state income tax break (5000/yr credit) as all rural providers in this state get that.