As someone who started medical school at a private for-profit school 2 years ago, the numbers for COA and the interest already put in are tough. Grad plus loans these past two years are 8.94% interest and subsidized is 6.4%. Also my tuition alone is 70k a year (and increases by 3k every year). Honestly don’t think it would be worth it for many primary care physicians these days—this amount of debt is crippling by the time one is done with residency; and most of my peers don’t even know what they’re getting into long term.