Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Thursday, February 16, 2012

What The Hell Am I Doing?


As my husband and I try and make a long term financial plan for paying off my almost $200,000 in loans from medical school, I sit here wondering, why did I pay 200 grand so that I can get peed on, pooped on, bled on, screamed at and sworn at? I’ve delivered a baby without gloves on (it was an emergency).  I’ve been kicked so hard I almost fell off the bed.  In one hour this fall, two patients in our women’s emergency room looked me in the eye and screamed “F*&^ you!”  That occurred at 2 AM, probably on a Friday, after I spent all night running a busy emergency room rife with women with ectopic pregnancies, miscarriages, wound infections, pelvic inflammatory disease, cancer and all other varieties of disaster.  And I’m sure I often deserve a giant cursing out, you see I’m not always the most lovely human on the planet, but I can assure you that I did nothing but ask both those women simple questions that set them off. 

Why did I sacrifice my twenties, my weekends, holidays, and sleeping at night to take care of screaming, crying women? I didn’t have a bridal shower because I only had one weekend off in the six months before my wedding. My husband got off work early for Valentine’s Day and surprised me at home, so we could actually share the dinner that I was going to leave in the fridge for him before I had to run to the hospital.  I’m working at a job that pays less than medical school costs and without my husband couldn’t pay it back.  The interest rate alone is 6.8%, accruing thousands of dollars a month.  

The funny thing about all of the drawbacks to being a doctor is that I’ve never been happier.  Really.  Obviously I’m a little sick, but that’s ok.  I can’t remember a time that I’ve felt to be so proud of who I am and what I do, and I enjoy going to work almost everyday.  Even on the most horrible, body fluid filled, back straining day, I go home with a sense of satisfaction.   I’ve never been so determined to learn so that I can take good care of people. 

I don’t have to sit at a desk or sit in long meetings.  My office is the hospital floor, labor and delivery, clinic and the emergency room.  I’m on my feet.  I get to learn how to operate and perform all kinds of procedures.  I get to meet amazing people every day, and I get to work with all sorts from medical assistants, nurses, OR techs, medical students, other residents, fellows, attendings, patients and families.  I get to teach and learn at the same time.   I have an amazing group of peers going through the same thing that can find humor in just about anything. 

Taking care of patients, becoming an intimate part of their lives and their bodies, is a great honor.  And I exaggerate saying they all scream and cry.  Most, even though they have little and are often sick, are some of the most amazing women I have ever met, stoic and strong.  When a patient looks at me and says “thank you doctor”, at least for that moment I think I might be part of something good.

I recently got into a heated discussion with the anesthesia resident during a long surgery.  He told me that his dad, also an anesthesiologist, always wished he hadn’t gone into medicine.  This resident said that he wished he had gone into investment banking because one of his best friends already has six houses at age 32.  I told him that I loved being a resident and enjoyed taking care of patients, and that even though I have debt and might not be rich I live a very comfortable life.  He told me I would change my mind, especially once I have kids. 

I can understand why any parent who has gone through the gruel of medical training wouldn’t want their kid to endure that amount of stress.   But I can tell you for sure that I didn’t make a mistake getting peed on, pooped on, bled on, screamed at and sworn at.  There’s no better job for a science nerd and adrenaline junky.  Becoming a doctor isn’t the easiest way to get rich quick, but if my kid wants to go through all of the same pain I have, I’ll tell them to go ahead.


Monday, April 5, 2010

The Green Stuff



Oof, I’ve been thinking a lot about the green stuff lately.  A couple of weeks ago, we had our financial aid exit counseling sponsored by multiple corporate groups (including the army) for managing student loans and massive debt.  My medical school class of 140 students borrowed over $16 million for four years of private medical education. 

In 2007, seemingly unbeknownst to me and my friends, although I do remember a bit of buzz from the more politically attuned legion of students, George W passed legislation enacted in 2009 that federal loans cannot be deferred through residency anymore.  Residency does pay a modest but decent salary, but certainly not any glamorous wages, particularly for the amount of hours worked.  The terms of repayment are fair and based on a resident’s income, but interest rates are not that low and debt multiplies fast. 

Looking at the match list from my class, I am convinced that high debt steers medical students towards more lucrative specialties.  The data, however, is not convincing as I would have thought.  A 2005 study published in Academic Medicine showed that indebtedness slightly decreased senior medical students’ likelihood to pursue primary care; the correlation was even greater if the student had more than $150,000 in loans [1].  However, a 2006 study of 2022 senior medical students showed that there was no correlation between debt amount and specialty choice [2].  Even so, it is very hard to explain the primary care shortage without looking at the sky-rocketing cost of medical school. 

If debt only slightly affects career choice, it has also been shown to affect physicians’ lives long after graduating.  A 2009 study in the Annals of Surgery of 550 academic surgeons reported that many surgeons felt that their academic debt affected their academic productivity, career choices and quality of life [3]. 

I certainly am not worried about living on a budget and spending within my means, but growing up is hard!  Responsibilities beyond my professional obligations are accumulating rapidly.  I can barely do laundry.  And I certainly can’t keep my room clean.  Now I have to keep track of my cash and make sure I don’t forget to pay the loan man.  Yeah, I know I sound like a big baby crying about things that every adult confronts.  WAAAH!

Fortunately, spring is here and the attainable green stuff is popping up all over.  No, money still doesn’t grow on trees, but broccoli grows on stalks and you get to eat it.  This broccoli dish that I threw together last week is bright, light and easy and is a great accompaniment to pasta, chicken or really anything else.  Raisins seem like a strange thing in vegetables, but they add the slightest bit of sweetness and mellow out with the salty, acidic accompaniment of the broccoli.  Plus, they were sitting on the counter and I need to get rid of them.  Isn’t that the biggest motivator for eating anything?




The green stuff (broccoli with raisins and pine nuts)

1 bunch of broccoli, rinsed, trimmed into crowns with ~1 inch of stalk
½ tbsp butter
½ tbsp olive oil
1/2 tsp salt
2 tbsp raisins
2 tbsp vermouth, sherry, white wine or water
2 tbsp pine nuts, walnuts, sliced almonds (any nuts really, optional)
Juice of 1/2 lemon

Rinse broccoli and cut into florets.  Over medium high heat in sauté pan, melt butter and oil.  Add florets and raisins, cook until slightly brighter green, about 3 minutes.  Add vermouth, cover another 2 minutes.  Add pinenuts, sauté for another minute, dress with lemon and serve. 




1. Rosenblatt, RA.; Andrilla, CH. “The impact of U.S. medical students' debt on their choice of primary care careers: an analysis of data from the 2002 medical school graduation questionnaire.” Academic Medicine, v. 80 issue 9, 2005, p. 815-9.
2. Kahn, MJ., et al. “Is medical student choice of a primary care residency influenced by debt?.” MedGenMed, v. 8 issue 4, 2006, p. 18.
3. Kibbe, MR., et al. “Effect of educational debt on career and quality of life among academic surgeons.” Annals of Surgery, v. 249 issue 2, 2009, p. 342-8.