Right now I'm kind of doing a quasi-budget to see how I would technically be able to borrow while in medical school. My tentative yearly budget looks like this: Rent - $22,800 Tuition/fees - $44,240 Books - $1,800 Food - $3,000 Electric - $2,400 Total - $74,240 So, ultimately, I'll need to borrow $75,000 per year... From what I understand, the loan breakdown would look something like this: Stafford loan (unsub + sub) = $32,500/year Grad plus loan = $11,740 Private loans = $30,760 One thing I am confused about is the GradPlus loan. If tuition and fees is $44,240 and I get a $32,500 stafford loan, then the GradPlus loan makes up for the shortfall only (the $11,740 of tuition/fees that the stafford doesn't cover). However, does the GradPlus loan count any amount of living expenses? I would prefer not to borrow on high-interest private loans, but the median rent is $1900 and unless I get a scholarship, I'll be paying the full tuition and fees. That means a minimum of $67k without food, electricity, or books (and my budget certainly doesn't include everything). So, does the GradPlus loan cover more than just the $11k I have on my budget, or does what I have seem about right? Also, what would my overall debt be upon graduation and how much would I have to pay per month if I paid it back over 10 years?