I have been accepted to an in-state, public MD school and a private osteopathic California school. While I like the state school, I am enamored with the osteopathic school because: 1.) It is, after all, osteopathic 2.) California suits my style of living better. Problem: The average in-debtedness of the in-state school is $70,000. The average in-debtedness for a California school is $180,000. That's 2.6x the debt! What I would like to know: If there is someone out there, preferably a practicing physician who accepted the larger debt, who could comment on the ability to pay off this debt, unexpected effects it will have on my ability to practice medicine and my lifestyle, and anything else you might want to mention to help me make my decision.