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For most physicians, college and medical school is a time of loans, grants and living cheaply. Residency also tests the limits of our frugality and our credit.
Unlike most careers, doctors enter the workforce relatively late and with a staggering amount of debt. The AMA estimated that students graduating medical school in 2006 had over $130000 in loans. In addition, after graduation, many do not have financial skills needed to appropriately handle today's financial climate.