<prompt> Human: I am a first year medical student and I have enough money to pay my way through the first year of school. My girlfriend of 4 years has amazingly kind parents and they have offered to pay for my final 3 years of medical school. Its the type of offer that I would initially feel inappropriate saying yes to, but it would truly be life changing so I am leaning toward accepting. School is about 32,500 and Ill probably spend another 15K per year in other expenses. Im no expert in compound interest so I was looking for some guidance on how much this will really impact my debt if I accept the offer. I believe it would be an interest free loan until graduation and after that a low interest rate would begin, maybe 2. I would attempt to pay off this loan ASAP after school ended. I can expect my residency salary to be around 50K, but my GF will likely be making around 90K at that point, which will help with day to day expenses. Thanks in advance!  <response>: Unless you know really deep in your heart that you will propose and marry her, AND she is on board dont do this. 