MED SCHOOL DEBT--A $400,000 MISTAKE!? | ASK DOCTOR JAMIE

Is taking debt for medical school worth it?
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Hey guys! I wanted to start a weekly series where I answer some of the harder questions I get from you guys. I have hosted Q&A sessions in the past but some of the questions were too complex to include in regular Q&A sessions. If you guys want me to answer any questions, you can send them via e-mail or DM me in @TheStriveToFit in Instagram.
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[@jackji2325]

I graduated from med school with about $250k in loans from a private school. Paid about $1k per month while in residency to chip away at the interest. Lived within my means as a hospitalist out of residency, paid off all credit card debt & car loans first. Within 5 years, I paid off all my student loans. Key is to live within your means!!!

[@Connetification]

I thought doctors make 50k a month? Is it not?

[@tismchewy4681]

@@Connetification 50k a month? No, Very few do but most don't make anywhere near that. Salary of doctors all depends on their specialty, experience, and location.

[@azndragon75]

@@Connetification Only Surgeon makes that kind of money.

[@Connetification]

@@azndragon75 Nope. A neurosurgeon makes 80k a month in Canada. I am a nurse so I know this. Not sure about other specialties though. Nor do I know how much neurosurgeons make in the US. Canada pays doctors and surgeons well. The neurosurgeon I mentioned makes 960k annually. However, I don't know how much tax he pays.

[@Connetification]

@Scott Joseph I don't know what a cap is. That's what the neurosurgeon said about his salary. Maybe he's lying. No one knows. But I believe it's real because our government publishes something called a "Sunshine List". Whoever makes over $100,000 a year will be enlisted. A pathologist makes $500,000 a year. They received bonus and other compensations. Therefore, I do believe a neurosurgeon makes 80k a month.

[@ricardosecondaccount8846]

I'm not even a med student and this got me stressed😪

[@phillewis3180]

Like how could that guy fail boards in his last year without a retake of some kind and lose that investment.

[@ThexXpOiSoNgIrLXxehT]

I feel very blessed for living in an European country (Italy) which allows me to study Medicine even if I’m broke because I don’t have to pay ANYTHING literally nothing apart from books but for that I have a scholarship. It’s crazy you have to go through such big debts at the age of 20.

[@logictd567]

ThexXpOiSoNgIrLXxehT don’t let Americans (capitalist) ruin that for you. Everything here in the US is done for profit

[@wholeNwon]

Italy also has the oldest med. school in the world. There are several schools where instruction is in English but, of course, one must learn Italian well to communicate with patients.

[@Dreamer-kd2jv]

You also get paid substantially less than we do so it’s a give and take. I’d say we still come out better financially. Loans don’t last forever, but a reduced salary does.

[@chrisd6736]

ThexXpOiSoNgIrLXxehT- it’s just short term pain for long term gain.

[@Coliekokker]

But you want the cheapest medical bills right @MGTOW individualist

[@XSimonY]

Graduated from an expansive in-state med school in 2014 with 300K. Was in PSLF during residency, made ~30 payments after 6month of deferral. At the end of 3.5 years of payments, only 4 payments qualified, which meant that I still owed 9 years and 8 months of payments. DO NOT count on PSLF, it is one of the biggest lies told to med students. At the end of residency, I owed $380,000. I refinanced, took a private job. Now just complete 2 of 7 years of payment plan. Factored $5,000 per month of loan payment into my budget, living comfortably but well within my means. Key points: Don’t trust PSLF Never trust PSLF Never, ever trust PSLF

[@marensvare507]

It's so refreshing to have such a straightforward discussion about student debt and how to financially and mentally manage the burden. Thank you for the perspective! As an anthropology graduate, I of course finished with debt and entered the fairly low-wage field of museum work. It's rough, and I often find myself wishing that I had done something a bit more practical. Thanks for the reminder that all college grads have debt and the burdens that come with it - the grass may not be greener anywhere, but at least we're all in it together. Great video!

[@stemikger]

I'm a cardiothoracic surgeon and it can be done, just don't give up. Live within your means in the beginning and eventually, you will be debt free and be able to practice with a lot less financial stress.

[@harvestingseason2725]

Big respect to you. Do you have a life? I swear am genuinely asking. Cardiovascular surgeons work insane weekly hours

[@user-lu6yg3vk9z]

How about the guy in video flunked out with 400k. Can it be done?😂😂😂😂😂

[@akankshasubramanian7216]

You've been my role model through medical school - always jump when I see you've uploaded a new video!!

[@alejandramarmolejo1339]

We missed you so much! 😍😘

[@christinac1195]

Jamie! I've been watching your videos since I was in college (almost 3 years ago). I'm starting my first day of med school tomorrow and will be sure to frequent your channel throughout my time here. Just wanted to say thanks so much! :)

[@OmarAbdulMalikDHEdMPASPACPAPro]

Peace be to you! Thanks for sharing this information. I don't think many students (especially singles, under 25), understand how much money you need JUST to LIVE and support a family. One study suggested $130,000 for a family of four. I can tell you that children are a BIG unknown variable which can cost thousands for health coverage and education. I am very privileged to receive an income as a Hospitalist Physician Assistant in Washington which allows me to support my wife and four children. However, as kids get older, there are more financial demands, (e.g. college, school activities, etc.). I'm glad you chose the profession about which are passionate. I REALLY admire those folks who pursue MD/DO. I wish you all the VERY best of succes in your positive endeavors!😊

[@accountforwastingtime]

I remember hearing that call and I was so scared for the guy! I think the best thing you can do is prepare the most you can before you get into medical school. Choose an affordable school for undergrad- a public university, preferably one you can use an in-state scholarship for. Work as much as you can and save as much as you can! Your undergrad degree can be really flexible- you can take online classes, night classes, classes mostly on Tuesday/Thursday etc and it really is possible to work a full time job. Yes it will suck but you're in school to invest in your future and your medical degree, not for the lifestyle. You will thank yourself later if you start planning financially as soon as possible! Also don't do stupid things like getting really expensive cars. Especially don't do this as soon as you graduate! Once you do get your first medicine job keep living like you did in college and it will help in getting your debt under control. One of the big things Dave Ramsey points out is that he never goes to a doctor and asks them where they went to med school. I honestly don't even know where my pediatric cardiologist I've seen my whole life- and who has saved my life- went to med school! So remember that because you don't always have to go to the most expensive schools just for the name. If there is a reputable program at a smaller school and it feels right- and if it will save you tens- if not hundreds- of thousands, it might be the best choice! You can still get amazing residency and fellowship placements all the same! You'll build your career, achievements, and reputation from there. Don't let it become too easy to write off debt as not being a big deal while you're in school. Once you start having $200K in debt you might feel like well...what's another $30k? As soon as you're out of school and making those payments, plus rent, family costs, insurance, etc etc etc it will be a VERY big deal and things will get out of control fast. That extra $30k that felt like nothing to take out could mean an extra two years of desperately paying it off. Do a lot of research on what you could be making in your first five years or so out of school in the areas you may want to live in. You won't get rich as fast as you might think. A LOT of the Dave Ramsey med school debt horror stories actually got so bad once the students graduated college and went crazy spending money like they were rich...even though they really had a negative networth because of the school debt. They graduated school, got $55K cars, $800K houses, went into $30K in credit card debt...instead of just living within their actual means. Which, a lot of the times would have been very possible with just some self-control. Try to be as financially smart as you are book smart ;)

[@user-zj9kw9lh1i]

very true .

[@m1kek1m]

A helpful video. Thank you for addressing real concerns and not pretending we're living in a fantasy world and also for not just regurgitating the most common top 5 things that's often regurgitated if someone were to google "how do I pay off my medical school loans?" This is a helpful vid!

[@DrAdnan]

The KZbin Med Queen has returned 👏👏👏

[@jng8322]

Your videos are wonderful. Thank you so much for continuing to put out high quality content 💛

[@cloti6651]

It's always so refreshing to hear you, Jamie, and this was such an interesting and useful video! We've missed you 😊

[@erineosto]

I am not a medical student, I study Graphic design but I love watching your video and I admire you so much. I don't know how you do it all! You are awesome!

[@seannguyen7924]

I’m so happy that you finally made it as a resident! I remember watching you as a student for studying tips! :)

[@doctorshawn3461]

I've been a staff specialist physician for almost 4 years. You need to live cheap, and you pay your loans back VERY fast. After a few years, money isn't the issue, it's your quality of life. I work 11 hours a day and already feel burnt out, and I am only 43, single and have no life...pretty much your job is your life...it's the sad truth. If you think you'll be able to keep all your hobbies while you practice think again. I am in the process of trying to get my hours cut back for less pay. It's all about trying to find the right work-life balance.

[@monday2471]

11 hours a day???? are you in surgery?

[@amberj3941]

Sad truth

[@CeceDeAnn]

I work these hours at a call center except I chose this on purpose. The more hours I get out of the way the more I get to enjoy my days off. I feel burnt out because my job is meaningless even though I’m a manager but I feel being a Pediatrician would definitely be better for me

[@Bookwasbetter]

@@monday2471 my friend is registered nurse, and she works twelve-hour shifts five days a week.

[@AD-wb5eg]

Totally. After years of working long hours it is common to find yourself looking for a work-life balance.

[@alexnguyen6518]

your videos really help this undergrad who's trying to get into medical school. Thanks a lot Jamie!

[@Victoriaxx08]

Also I wanted to add, my dad has been a doctor for 35 years, he’s 60 this year and he’s still stressed about money. We’re in Ontario, where his wage is steadily DECREASING with government cutbacks. Obviously providing your own retirement fund takes discipline and also running your own practice is very expensive (rent, nurses and staff wages, licenses). So although it seems like doctors make a lot of money, family doctors (in Canada any way) isn’t all that lucrative anymore. My dad has never felt financial freedom despite his frugality, so definitely don’t become a doctor for the money.

[@tokee1234567]

yea in Canada becoming a family doctor is not that lucrative by any means. I see many doctors going to become hospitalists as a GP, but they work crazy schedules (7 days in a row + on call in a 2 week schedule)

[@aimeesaunders1880]

I don't know much about the situation in Canada, but being a doctor in Africa with the workload and poor resources, the money is definitely not worth it.

[@noface3928]

My dad’s an orthopedic surgeon but only takes home half of what he makes. I’m worried he’s going to overwork himself paying off all his debts.

[@tellthetruthna8523]

@@noface3928 Your father will be fine. Don't worry.

[@tellthetruthna8523]

@7/11 WAS A PART TIME JOB For some people medicine is a calling. If it is only about the money they should do their future patients a favor and become investment bankers instead.

[@raschied2929]

I actually watched that yt episode few days back on Dave Ramsey's, my heart sank. 😭💔

[@mavischole9646]

Medical education in my country is almost free. Having seen this video, I will never take it for granted. I will definitely work harder to be a good doctor.

[@jayleemiller3594]

currently in my first year of undergrad and I am just so overwhelmed with everything that goes into trying to become a doctor. Thank you so much for all of your videos!

[@huangbochang5354]

Your photos and posts are beautiful. The articles on your page are very nice and very bright it caught my eye and hope you don’t mind knowing much more better

[@IYANULIVEOFFICIAL]

Glad to have you back Jaymie!!

[@BrandonMHughey]

Med schools be like: go into primary care. Med schools also be like: You’ll have 400k+ debt so you want to be in high paying specialties (non-primary care)

[@trueorient1544]

High-paying specialties also take longer to attain, therefore further accumulating debt. As a primary care specialist, you can pay off your debt in 4 years after graduating med school.

[@marcjerkins1957]

Be like...

[@wholeNwon]

@@trueorient1544 During internship, residency and fellowship the physician earns a salary. The cost after graduation from med. school is the lost earning potential during post-doctoral training.

[@user-lu6yg3vk9z]

Physicians pay is going down. Competition with midcare providers and A.I. is also any issue.

[@TheGrafton12]

@@user-lu6yg3vk9z and reimbursement from Private insurance and Medicare have gone down...

[@brittney1950]

Just subbed I respect your honesty! I went to culinary school years ago. Graduated in 2010 with a culinary &service management from a private college. I had some scholarships but my total debt (not including living expenses) is $80,000. . Not including a car payment, health insurance. Still paying off the loans. 9 years later (2019) I’m able to put a dent more into my loans this year with my current employer. If anyone wants to be a chef.. you don’t do it for the money. Schooling is not required, you can work under a great chef & work your way up! Back to the medical field, I had no idea how expensive medical school is!! Great tips in this video!! Living frugal is key. Don’t forget putting money aside for Roth 401k and Roth IRA.

[@BriBritton]

Thank you very much for posting this video! I recently checked in on the amount of debt I've accrued during medical school - and it was a staggering number! Thank you for discussing your experiences with money and finances from a medical student/resident perspective :)

[@huangbochang5354]

Your photos and posts are beautiful. The articles on your page are very nice and very bright it caught my eye and hope you don’t mind knowing much more better

[@DollyDomDom]

Thanks for being so transparent when I see these debt averages that are like 135K my heart always sinks it’s nice to know that you aren’t alone

[@rebeccathompson7204]

she's back! i've missed your vids jamie!!

[@zem940]

You always look happy! I enjoy watching your videos, you are such an inspiration

[@Jason-ey5jc]

OMG JAMIE WELCOME BACK WE MISSED YOU SM 😭❤️

[@donavanpham]

Hey Jamie, you inspired me to start my own channel about surgery residency - really happy that I'm almost at 1000 subscribers!

[@StudyinSlovakia]

I would suggest coming to Europe, the cheapest tuition fees are in Italy (around 2500€ per year), with an average 12.000€ per year in central Europe. There are even study loans system for studying in Europe (monthly expenses are around 400-500€)

[@sofiata2133]

Hi Jamie!!! I just wanna let you know that I got into medical school. Thank you so much for all your videos. I’ve been watching your videos for years now and they’ve kept motivated. I can’t believe that I’m gonna start med school this year. Thanks

[@sunnyyyyyyyy01]

Sofiat A well done!!!! 🙌🏾🙌🏾 congratulations !!!!!!!

[@Zoeleii]

I don’t know you, but I am so proud of you and happy for you!!! Congratulations and well done, you will rock it!

[@sofiata2133]

Sundus H thank you

[@sofiata2133]

Laiila thank you so much 😊

[@monicaogunsusi5032]

Sofiat A Congratulations! Class of 2023 represent!!! 🙌🏾

[@elenadelgadoEHS1]

So glad you are back!

[@mariasevere]

Welcome back, I missed your videos!

[@sagarp2001]

Hey ! You're awesome Jamie- literally g top KZbin-Doctor role models! I'm a senior in high school and tbh I'm already stressing about all the debt. A lot of my cousins are already in the medical field and they had to take out so many loans. It's scary, especially bc debt is one of my biggest fears. Feels like you'd be digging a hole for yourself you know? But I mean I know that it's what I definitely, 100% want to go into. There's no doubt I'll get there- just the amount of time and money and overall huge sacrifice it'll take to get there. But yeah I'm starting college this fall so it's pretty exciting- taking it one step at a time and trying not to stress too much about med school right now! Thanks!

[@lauraanne5017]

You‘re back 😍🙏🏼❤️ Wishing you the best for 2019 🤗

[@kaynenbrown5102]

Missed you doc!

[@Sunshine-sd7zu]

Hii jamie please keep posting videos i missed you soo much😢😢 you are my inspiration such a strong woman and a doctor too😍😍 i want to become a doctor like you one day😇😇

[@msana_5219]

Loved your vid Jamie,btw love the comment section, nice discussion going on.

[@layla19922]

Missed you Jamie ❤❤

[@lawyerdoctor]

I’m about to start medical school. I’ve been practicing law for 10 years with no student loan debt.....I couldn’t imagine doing anything else even with the loan burden for medical school.

[@deww0]

Thanks Jamie, it made me realize i should appreciate more that i don't have to pay for medical school in my country

[@bettyangwenyi1797]

You have a gift for narration. Thank you.

[@fomsys8124]

I missed you so much as soon as the notification came on my phone I immediately clicked on the video.

[@Navarro94]

It felt like forever since we last saw you. Take care Jamie!!

[@snamorsixteen]

This is very informative and encouraging.

[@pixiewinxviera]

I've missed you so much, Jamie. Don't feel pressured to make videos, I might be interested in ER medicine. I want to try being no debt, I love you~

[@Victoriaxx08]

For those in Canada if you agree to work up north for x years the government will pay your tuition. And there’s a major doctor shortage in rural areas so there are some communities that will agree to pay for school so they can ensure they will have a community physician. Just a thought for some people!

[@mariauribe6984]

You are awesome! Thank you for taking time to do these videos.

[@huangbochang5354]

Your photos and posts are beautiful. The articles on your page are very nice and very bright it caught my eye and hope you don’t mind knowing much more better

[@TalkNaturalToMe]

Thank you so much for this video! ❤️The amount of loans that we have to take out for med school is so insane and can seem really daunting for prospective med students, but you made some good points and gave great tips in this vid.😊

[@huangbochang5354]

Your photos and posts are beautiful. The articles on your page are very nice and very bright it caught my eye and hope you don’t mind knowing much more better

[@kimaera]

Welcome back!! Eventho it's us-centric this helped alot with my decision :)

[@sssaraaa3296]

I love you Jamie🤩🤩 I missed ur videos 😭😭Welcome back😍

[@michellechu4811]

Because we love helping our parents and couldn’t imagine what else we could do...💪

[@carrieho575]

it is definitely scary with debt...especially when you fail// midst of trouble and not sure if you should continue school or just go into work..

[@huangbochang5354]

Your photos and posts are beautiful. The articles on your page are very nice and very bright it caught my eye and hope you don’t mind knowing much more better

[@deannaalexis7868]

Go to a medical school in a third world country. It is 5 years after a Bachelor's degree. My cousin took this route after graduating from UC Irvine and left the U.S to attend the University of Guadalajara Medical school. It is very easy and a lot less money. Then come back to the states and take your board exam. She has a dual citizenship therefore she did not pay international fees and her total cost of medical school was 7,000. She also lived in her grandparents home which was a great help. So many third world country degrees are coming over to the states.

[@MyLifeIsTravel]

I like that in Russia I can study medicine for free, actually everything you can study for free if you have good school grades and exam grades. And I didn’t care about money. Just money to live in Moscow.

[@noface3928]

How rigorous is medical school in Russia? They should be paid more

[@wholeNwon]

And it's free or very low cost in many other countries as well.

[@ivelissesantiago9806]

ITHEREONETHATHASNT ashamed? Because everyone can have an education? Tax pays for things that help everyone, like education. That’s better than in America where the orange they have for a president wants to buy a wall with tax payers money

[@lastmakc]

Sure. And then you end up making $1/hour. Awesome, huh?

[@musaninlebesi50]

Yeah but you may be restricted to just working in Russia with way less pay than US med graduates

[@NFA44]

we missed you, Jamie!

[@benth162]

My grandson is going to dental school in San Francisco and had no idea how much everything is going to cost him. So, we took the liberty to help him understand just how much it is going to cost to establish his own practice, after serving his first few years working and learning the ropes as an employee of another established Dentist.. By the time he does start his own practice he will have put in almost $1,000,000. Just the cost of setting up your business can be mind boggling. That, added to the cost of his dental education he won't be left with much disposable income to purchase a home or start a family because he paying off huge bank loans. College is being outed as being no more than a scam that they use in conjunction with banks to suck as much money out their student body as they can, knowing full well that many of their degrees will not be able to afford their graduates jobs that will pay enough to repay their loans. I am heartened that those practices are being outed for the fraud they are. You must understand that student loans are now sitting at over a trillion dollars, much of which will never be paid back. Apprentice programs are far better than college or universities. By the time a man puts in eight years learning his trade on the job, he can be considered an expert in his field. That could also be considered for the those looking to become doctors. Working with a specialist as an apprentice will teach you just as much or more than that college graduate who must now figure out how to pay back those hundreds of thousands of dollars. The apprentice by the way, already bought his first home, got married, and has two children, while that college grad is sniveling in his beer, because he can't afford any of the niceties he expected. Either the university and college systems change or they will find that more and more capable young men and women will not be going to college, just because those college and universities have priced themselves out of the market and no longer offer an education worthy of what is being paid for it.

[@deficator750]

Also dentist is ranked number 1 for highest suicide rates for a job.

[@benth162]

@@deficator750 You're not even close and the health care professions only rank in at #15

[@deficator750]

Rumple Stiltskin DENTIST. Look it up ffs

[@michaelscott6216]

You can kiss your youth goodbye once you decide to go to medical school. Plus you only start to see cash flow without massive amounts of debt once you reach your 40’s. Not an ideal life, but someone’s gotta do it.

[@yoleeisbored]

yep.. say goodbye to your 20s and 30s.... medical students have highest suicide rates..

[@Sona77.]

That’s 😭 so sad

[@user-lu6yg3vk9z]

Not also Physicians are being replaced with mid-level providers and A.I.

[@18mbiana]

Thank you so much from a current Post Bac student

[@tonysamaniego7875]

Emergency Doctor/Side Hustle Entrepreneur, I see. Love it

[@AaronTrillo]

I currently got to University of New Mexico! Haha glad to see we made an appearance! I expect to be around $150k in debt by the time I am done so hopefully I can pay them off FAST!

[@pvnchos1478]

Good luck nigga

[@gdora1995]

In Norway 🇳🇴 medical school is 100% free ,, in Germany 🇩🇪 medical school in 100% free, in Sweden 🇸🇪 med school are 100% free, in belgium🇧🇪 it cost 900 dollars a year if u r an eu national and 2000 dollars for international students.. Russia, China,Malaysia, Ukraine.. All cost less than 5000 a year.. And total years of medicine is 6 not 8 like the US.. US citizens are living in HELL thinking they are a developed country.. In dubai, Saudi Arabia and all gulf countries u hv to score 70% to get into medical school 100% free.. I live in Dubai. Universities here are 100 billion times more developed than the US.. In all these countries above medical residents earn 55,000 dollars a year and 200,000 dollars a year as an attending doctors but the difference is NO DEBT

[@BigTroubleD]

@@gdora1995 well you know what not all of us are lucky to be born elsewhere ok

[@BigTroubleD]

Honestly that’s cheap for a doctor.

[@breianalawrence7388]

@@pvnchos1478 … boy what

[@ismahanelamya6808]

Really missed you Jamie

[@ej_l2525]

Doc Jamie I remember I first watch you way back 2016...I was in engineering back then and I hate every second of it because I was just forced to...therefore I wasnt enjoying at all...I didnt know who I am anymore but deep down I always wanted to wear that white coat with a sthetoscope....after a few years of praying..I finally had the guts to tell my parents...suprisingly..they said ok though I know it must be hard for them but now we are all okay and they giving me a chance and their support....Im preparing for my entrance exam for my pre-med this May and crossing fingers that I'll pass. Thanks for your videos doc! You inspired me a lot.

[@Zoeleii]

Way to go to follow your heart! You will rock it!!!

[@munky7]

good luck on your exam!!

[@dumilendlela1212]

Ej_ L wassup am kinda in the same line here 's my email [e-mail]

[@LordPrometheous]

With an engineering background, wishing to be in medical, I would probably go the prosthetics route. Anyways, I wish you the best.

[@ReactsChills]

happy to see you again

[@missiontomedicine]

Another great video Jamie! I hope all is well with you! I think it’s very important to consider cheaper medical schools that provide the same quality of education as top tier medical schools.

[@moonrice555]

LOL!! It's all the same! the doc who went to Harvard will slowly kill you with drugs just like any other doctor.

[@jeskawithakai]

Thank you for posting this! ❤️

[@jackieborrayo6322]

YES YES YES. Oh Jamie, you are true inspiration

[@AddittiAgrawal]

your editing is amazing!

[@aaronnchan]

Hi Jamie, I am an undergrad on the pre-med track and it is extremely difficult. However, your videos really make me work harder and inspire me! As you already know it is a very long journey and I’m happy that you’re apart of mine! Please keep up the great content...love your videos

[@moonrice555]

Why the hell would you want to be a doctor? There are other jobs where you can make good money and still look at yourself in the mirror.

[@Justin-ev8nn]

moonrice555 To help people? Not everyone’s goal is to make shit load of money.

[@moonrice555]

@@Justin-ev8nn To help people? HELP people? Most of them just give you drugs that end up giving you other health problems. They don't give you a plan to help you take care of yourself, they just pass out pills.

[@Justin-ev8nn]

moonrice555 I see you’re one of those people. Lmao

[@moonrice555]

@@Justin-ev8nn You made a wise choice. You could have tried to argue against what I said--or you could take a cheap jab and run like most online pussies with no point to make.

[@user-oe1nt4pp8n]

In Australia, any sort of payments made for educational purposes are covered by the government and no interest rates are applied to any students no matter if they are domestic or international students.

[@jennybalderas7]

Yay! See you post a video made my day! ❤️😄🙌🏼

[@engelichtable]

Excited to see new vids!!

[@matthewliu2887]

Thank you for the comprehensive response! You targeted the most important questions from the email about med school student loans :)

[@leong2023]

Best video of the yr.

[@ThomasAffoltertevis]

It happens. I went to law school, did very well and got a great job as I went into practice. But I hated it. Life happens. Unfortunately, you just have to use your best judgement. But do NOT spend your life in work that you hate. Even if it hurts to get out of it.

[@Zetsuke4]

I'm a medical student in Thailand. Here, we got straight into medical college for undergrad without a required pre-med bachelor, then go into medical school with the partnered hospital. It's 6 years for me here, living expenses in Thailand is cheap, and tuition is not expensive. I'm planning to go to US or UK for an additional degree in PhD because I love research, I'm more passionate about research than being a physician, and I would love to become a faculty member here. Also, if I decide to not be a DPhil candidate then I would do Fellowships instead. It's easy here because we're getting a doctoral level degree in just 6 years after high school and it's not too challenging. Then, I can go to the US after getting my MD to get my fellowship. I do know the US does not acknowledge MD degrees from other countries as much, but it's still a medical degree and I plan to practice as a doctor or do research here in Thailand at my own homeland country. It's easier to get high GPA here as well. I'm so excited to go to Stanford after I finish, with my high GPA and not be in debt from all these years of saving.

[@jayrollo1352]

OMG I saw that Dave Ramsey show too. OMG OMG. That was scary. You can feel the trembling in his voice.

[@jesusrosariohernandez4823]

Thank you for sharing these wise advices. All my best regards, I admire you. Jesús

[@gurtejsinghromana943]

Hey Jamie! I'm Seerat. Your vlogs are real great and everything you do is awesome. I'm from India and a pre med student just preparing for my medical school entrance test. At times when things don't seem in place and I feel low, I watch your videos. I feel so great and inspired after watching them. You're a damn good person and are getting lots of love from India too. I'm following your vlogs for a month now and have watched every single video. You are an idol really. Thanks for everything you do. You are like a sister to me who guides and inspires me. Lots of love ❤

[@paula-terrigodet7419]

Loving your content; thanks for taking the time to share. I’m truly asking this question with the best of intentions: would you mind turning down the music volume on your videos please?😘

[@aalexander8]

FYI, the Public Service Loan Forgiveness also requires individuals to sign up for the correct the income based loan repayment program. People were being denied for this reason, so definitely do the research. I wish I could find the Dave Ramsey debt free scream video that had an ER doctor. I believe she paid her loans and her mortgage off in 3 years by taking on non stop overtime shifts. It's a risk for you guys I'm sure, but we need quality doctors who are passionate about what they do. Best!

[@JK20239]

Income based repayment by itself is bad. Sure it caps your monthly payment; you pay a tax bomb on the forgiveness amount at the end of 20 or 25 years.

[@llamalover5957]

Hey Jamie!!!!! I have a question. What website did you use to find the cost of those medical schools.....That would be super-duper helpful!!!!!

[@llamalover5957]

I dropped everything to see this ♥️ *WHOOOOT UPLOAD*

[@huskeys584]

I'VE MISSED YOUR VIDEOS

[@dannyb213]

Jesus I cry just hearing that poor man

[@mariabarnova3389]

I don't understand why your government doesn't take care of these payments. That must be incredibly huge pressure on students. We all know med school is stressful on its own, and with this debt burden, that must be overwhelming! I really admire that you are on this path anyways. ♥️ Take care!

[@michella23498]

Majka Barnová because it’s not every other taxpayer’s problem that someone decided to get $400,000 in loans.

[@mariabarnova3389]

@@michella23498 I see your point, but every taxpayer needs a good physician, right?

[@meisnwjejn]

@@michella23498 lol shes a doc

[@LIVEINPEACE2023]

The govt can’t even take care of itself!!! 👎

[@michella23498]

Mehar B actually, I’m a nurse. And why does the fact that they have student loans make them any less of a doctor? They learn the same shit regardless.

[@a_vlb1945]

Happy 2019 .🍾🍾🍾🍾 lovely video

[@joynish4256]

Super helpful!! Thank you!

[@Ninjaman195]

One other option I'd recommend is having the military pay for medical school. They'll pay full tuition and give you a housing and subsistence allowance which will cover your cost of living.

[@pajawallflower]

I was told that the military only covers 4 years of schooling.

[@Pdmc-vu5gj]

Yeah that's a long road. America is a nutty country.

[@anorangewithacapybaraunder2370]

Thankfully here in Australia, student loans, especially for medical studies, are interest free. How much you pay is adjusted to suit inflation so you pay back exactly how much you've borrowed valued to the current dollar.

[@anorangewithacapybaraunder2370]

@@seriousgamerrr Very true, tax here is borderline robbery! the cost of living is also quite high compared to the rest of the world.

[@flossbeauty]

Hiya, I know this is very random but would you be able to do a video on they kind of things you would wear to work please to give me an idea of what sort of wardrobe I need to build up. Thank you, love your videos

[@renragged]

That's a whole lot of student loan debt... I'm so glad my friend's son got a full-ride scholarship to med school. He's got it going on.

[@sanjanasolomon2889]

I want to be a doctor and these videos inspire me to continue pursuing my dream.

[@moonrice555]

Find another dream. We have enough pill-pushers in the US

[@kathyd6714]

Do it :) don’t feel like you’re alone in student loans , unfortunately to do these great professions and earn a great salary you need to borrow money, it’s an investment. Everyone is going through this & you never know if your loan will be forgiven or what kinds of programs you’ll apply to

[@kman_34]

If you live in a tech city, the average starting software engineering salary can be from 90-150k, and management positions + stock options can raise that to over 200k after 5 years. With the upward trend of technology jobs, its important to consider the career software engineering offers if you want the best return on investment from your degree.

[@Justin-ev8nn]

Comp sci is the best college investment.

[@Justin-ev8nn]

D Z my brother went a average state school and graduated with a comp sci degree is making 6 figures. But then again we live in California. Doctors put you into too much debt and most people who pursue medicine don’t care about money too much.

[@Justin-ev8nn]

D Z Many people who pursue medicine do care about money but I would say most of them pursued it because of their passion to help. Money is rarely a first priority for these people. If there’s people who are only pursuing medicine for the high salary then I think they need to re-evaluate their life because it’s not worth the hassle to go through all of that school and heavy debt just for a high salary when there are other jobs out there that only require a bachelors and can still make 6 figures - business, comp sci, engineers.

[@JK20239]

Tech cities have higher costs of living. Rent or mortgages are about 2 to 3 times the salary. It negates the effects of higher income.

[@katpizo]

💖💖 such an inspiration

[@salmatallaa8662]

I love you welcome back 😘😘😘❤️

[@JT-tx2ns]

Great video. I just wanted to add how i hate the misconception that “friends” will automatically get a great paying job right out of college. People are struggling regardless of majors now because even in STEM, it’s over saturated and about who you know. So many factors go into this like location, health, etc. you aren’t safe, regardless of what career path you take. Even nurses can’t find jobs sometimes because many hospitals want nurses that have experience and I make more than some nurses and all i have is a biology degree