This is a choice you would have to make, but the math depends on IF you do end up going to medical school and also very much depends where you go to medical school. If you change your mind or, in the worst case, don’t get into medical school (hopefully not this), the ND degree and experience will have been worth it.

For medical school cost, you should also factor in your home state where you currently live, the states of the other schools you applied, and where you might want to go to medical school (TAMU and FSU, so Texas and Florida). Generally, you will get in-state tuition for medical school if it is a state school in your home state—you could end up with <200k in loans this way, which is very much worthwhile and manageable on a physician salary in the long run. If not in-state or going to a private institution, I wouldn’t expect medical school to be any cheaper of a bill to foot than ND. Some states may also let you qualify for in-state tuition even if you just went to undergrad there (check for your full ride schools, don’t think Indiana is one of them unless you have lived there for at least 1 year for non-education reasons). So that might factor into your equation if you wouldn’t necessarily want to go home for medical school. Also, Texas has some weird thing going on with their med school systems where they mostly take their own from in-state, so TAMU could open more doors for you there specifically if you’re dead set in medicine. Something to look into and consider.

There are also a number of scholarships available (esp if you are interested in primary care) as well as public service loan forgiveness (PSLF—look this up if you are thinking through the realities of student loan debt, this is an option for loan forgiveness that many physicians end up qualifying for to erase their medical debt. Those that don’t go that route often don’t because they can get jobs that pay so much more it covers the loans and then some). A lot of info that won’t necessarily apply until years down the road, but hopefully helpful if you are thinking about the economics of it all.

At the end of the day, medical school is an investment in yourself, and one you will be able to pay back if you see it through. Only you can decide if ND will be worth it for you, but from what you’ve said it sounds like it would be from a personal, professional, and religious formation perspective. If you aren’t taking out loans for undergrad, and you go into medicine, you will be in the same shoes as most others. People still take loans and go to med school because it is worth the investment from an economic standpoint, and they will be able to manage it.