Have to agree with IMGNeuro. I am carrying almost 200K in debt, and don't have parents to fall back upon, but I still think it's better to choose with your heart and not your wallet. Sure, having money is nice, but nothing beats having a job you love. And if you love it, you will find ways to make money.
Don't tell me MDs don't make good money. I can moonlight for 200$/hour. One shift = 2G. Sure, you might not become a millionaire, but if that's what you're after, don't do medicine.
Also probably right about trends changing. Path used to make huge $$$, now not so much. Psych money is now on the rise. Surgery is down, EM was up and it's falling again.
As for specialty, try to identify what you like most about medicine and go for it. If you like procedures, consider surgery/EM/anesthesia. If you like primary care: IM/Peds/FP.
If you like being an expert, subspecialize in just about any field.