Imagine getting married and starting a family at about 30 years of age with a debt of about $200K or more; it's certainly a tough thing to do. Does anyone have any experience to share? For those who've been through the process, how did you manage to pay off the debt in a few years' time WHILE starting a family? Financially, I'm totally on my own. I know that doctors do earn a reasonable salary, however, the salary during residency training is really quite low in light of a debt of over $200K. Getting into medical schools is certainly a great accomplishment. However, once accepted and after all the celebrations, I can't help thinking about the loans that I'll have to re-pay once I graduate. It's daunting.