<p>I really hope a doctor can handle $150k to $200k student loan without lowering his living standard too much.
A related issue is that we are old and need to pay more attention to the accumulation of retirement account. It is not that we did not pay attention to this before; it was just not enough. With a small pension, social security and not enough assets, currently we may not be able to retire in a cheapest town. We have some catchup work to do there before we can no longer work.</p>