Way more debt + years of residency to let that debt pile on makes earning more in the end irrelevant. And you can only really be financially free in a few speci

Way more debt + years of residency to let that debt pile on makes earning more in the end irrelevant. And you can only really be financially free in a few specialties that pay you enough. If you become a primary care doctor, you're only making 160k a year. You can make more in areas where doctors are in short supply. That's not enough to pay off 300k in debt compounding at 7-8% a year for years before you can start paying into it, especially when you also have to pay 7500+ a year in malpractice insurance costs. You've also spent so long getting tot hat point that you're probably around 31 years old, meaning you might be starting a young family around then and cant fit everyone in a cheap studio apartment anymore.