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<p>High debt is likely to restrict your options as a physician. For example, if you really want to go into a lower paid specialty (e.g. the primary care ones), having high debt (from both undergraduate and medical school) may make that option financially difficult, putting pressure on you to choose a specialty mainly for the pay level.</p>
<p>In any case, the amount you can borrow as an undergraduate without a co-signer is limited. The Stafford loan limit is $31,000 for all four years, of which $23,000 may be at subsidized interest rates.</p>