School/Specialty Choice vs. Total Loan Debt: Even though I jokingly posted on another thread re: UNECOM's yearly tuition hikes, do not exclude choosing a school/specialty (even FP) based solely upon your perceived ability to pay off loans. Why? Here are some reasons: (a) Let's use an FP starting salary of 120k (conservative) as an example, assuming FFEL loans (Stafford, PCL, etc), a 6.8% APR, a 25 year term ("extended payment") of $300K (high end) of med school debt. I'll do the numbers: Monthly loan payment on $300K = $2082 x 12 = $24,984/year (21%) less 120k FP salary, is $95,016 leftover. That's equivalent to making a salary of $25,000 and if you had a monthly bill of $437.50 (21% of $25,000). Heck, that's about the amount of a car payment. And, $95,016 is not bad career-starting salary at 29 years old! And of course, an FP doc's salary is guaranteed to go up year to year. You see, we youngsters have a skewed perspective about money. We see $300,000 dollar debt and freak out. But you have to remember we'll be making a heck of a lot more than the average Joe out there with the potential of making much more by the time we retire. (b) A second reason for not making money a sole criterion for choosing a school/specialty is there are some federal, and many state programs, as well as medical groups, as part of their compensation package, that offer partial or full loan forgiveness where they will pay off your loans. With respect to choosing a specialty only, once you are in 3rd/4th year rotations go with the specialty that fits you then, where your innate skills and passion takes you. That's where you will be most happy.