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They take out loans to do degrees that are completely useless and do very little planning about how they will even pay it back. Then they get out of college, can’t find a job that pays enough to cover the student loans because of their useless degree, and then post on Reddit about how unfair it is that they have to pay back the loans they willingly took out. Some of them can actually afford their student loans but they don’t want to because they need to buy the latest iPhones every year and a new car every 3-4 years.

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Honestly, it sounds like your friend is dumb. 500k for medical school is 100%, not the price most people pay. It’s closer to twice the realistic cost. Secondly, even as a hospitalist, your friend will still end up taking home over 100k a year. Probably closer to 150k unless he’s out in the boonies but in that case there are already programs for debt relief to encourage rural medicine. Realistically, if you’re struggling with school debt as a doctor in the United States it’s likely because you fucked up.