You'd generate a lot better convo if the theme of your OP were clearer. It would *really* help if you would start out by orienting your readers to the fact that you want to discuss the cost of med school and apps, and then explain that you're going to give an anecdote from your own life. I mean, I'm reading that OP going, ok....here's my experience, following your template:
Mid-30s white female. I have a BA from a hippie liberal arts college that you never heard of, plus two graduate degrees from nondescript state schools in two different states, and I never went to a single football game the whole time 'cause I just don't like football much. My numbers were nonexistent for GPA (P/F school) with a 43 MCAT. I had to take the MCAT two weeks late, because a hurricane hit FL the weekend I was supposed to take the MCAT. If you've never been hit by a hurricane before, it's really dark and stormy and the wind blows a lot, especially when it's a big hurricane. My application was drenched with 10+ years of research, which is kind of a good thing, because otherwise it would have been hard to explain to adcoms how I got a PhD in chemistry without doing any chemistry research. My PS was a straightforward explanation of my wanting to go into academic medicine and how I needed an MD to do this, with no effort to be cute or creative. I applied at midnight on June 1 because I am a perfectionist. This is a problem that I've had all my life, you know, and really, how can anyone expect me to overcome a weakness like wanting to be perfect? All that would happen is that I would just keep trying harder not to want to be perfect until I was perfect at not trying to be perfect. I ended up at the perfect med school for me with a perfect full scholarship, which meant that fortunately I did not have to take out any imperfect loans. Yeah, so based on that, I think med school is like, *totally* worth it. All y'all should go. 👍
Is my anecdote useful whatsoever in terms of provoking discussion on the cost of med school, or whether going to med school is worth it? I'm going to go with no. Though I must say, it's a wonderful imitation of what it's like to talk to a manic patient. Anyone here interested in psych? 😀
Oh, and to get to the OP's point, yes, med school is expensive. It gets worse before it gets better. The MCAT is a bargain compared to Step 1. Step 1 is a bargain compared to Step 2. Step 2 is a bargain compared to the board certification exams. Tuition goes up every year. There are schools that have $70,000 cost of attendance, which is just ridiculous. That could end up costing people as much as a cool million before they get it all paid off. Consider yourselves fairly warned, oh premeds. 😉