<prompt> Human: Im facing the decision of whether to attend dental school or not. Im a bit lost when it comes to finances. Dental school will cost, including undergrad and dental school interest, about 400k and Id be 33 at graduation. way behind on retirement Salary Debt Payments ---------120k pretax 100k undergrad 4600mo80k post tax 260k Dental _The opportunity cost is where Im confused. I already have a lot of debt with a useless bio degree but Im wondering if making 30k while earning a masters and pauper living would make sense. Any recent grads have insight? _If there are other DMDs or MDs here, do you buy some sort of career insurance while in school? If you break an arm playing basketball in third year, would insurance work since youre not a dentist, even though you have the debt of one? There are many little things like this that there is no information online and schools dont cover. Even though it might be a small chance situation, with that level of debt it truly terrifies me.  <response>: Might want to ask this is rdentistry as well 