It’s the same answer to the question: Is it true most college graduates are $100k in the hole? It highly depends on the context of the individual, but OP is ri

It’s the same answer to the question: Is it true most college graduates are $100k in the hole? It highly depends on the context of the individual, but OP is right: 4-year college then 4 years medical school, and then after that years of fellowship. The shocking part isn’t how much they pay, it’s also the opportunity cost of how long they make little to no money. When determining hourly wage, most physicians in training (e.g. residents, fellows) make minimum wage. It’s a decade of training or more where income is severely deferred. There isn’t even a guarantee of an astronomical salary because some specialties do not pay well.