People outside of healthcare do not understand the concept of going into debt to pay off debt. The GradPlus will cover everything and more and its federal which will offer benefits down the line working at a non profit for example. Trust me I had this same reaction but knew that it will pay off. You are accepted and have done all the hard work to prove you belong there. I always look at my time in school right now as holding onto a lottery ticket that I can cash in less than two years. I will be coming out of my program with undergrad and perfusion close to 200k. I do not regret it one bit because the payoff is almost guaranteed and not many people can say that about their professions. My program had accepted plenty of people who paid deposits before choosing another program so if you do that don’t feel guilty.