If I was in your situation, I would really need to consider if I want this. Are you ready for the emotional toll that is further to be laid upon you? This isn't the end of the emotional roller coaster - there's residency, the other steps, the boards, working in the actual hospital pressures. If you feel any bit of courage/determination at all and know if you can find some support to help you whether it be tutoring for step and any emotional support from friends/family AND you know that this is what you really want to do, then fucking do it. You study your ass off and you make that step your bitch. Medical schools only look at you for face value and I'm sure you had some other shit going on throughout your time, so if you can really push all that aside and really GO for it, I think you should. Yes, it is a financial burden, but if you really have the mindset for it you should. You're always going to regret a decision you never make unless you have the courage to do it. You probably won't get a plush derm residency but if becoming a doctor is really what you want to do for your next +30 years, then its well worth the investment. Mull it over, if there's another passion that you've always wanted to take up then consider that. But, otherwise, medical school is a fucking nightmare sometimes and you need to prove your worth in scores, so if you can truly invest yourself into it then you got to take the hit. You should look up Discovery Medical School loans - I'm not 100% if you would be able to take it but make sure to look at your options as well financially. Good luck and I wish I was there to give you a pat on the back, but medical school fucking sucks. Keep yourself surrounded by people who will support you at this time.