<prompt> Human: Greetings all. Im relatively new to this sub, was recommended by a close friend - seems to be a savvy and helpful community! Crossing my fingers this post is received well and I can bounce some thoughtsquestions off you guys and gals.A little about my situation and I assume many others: I will be graduating medical school in May with a featherweight student loan debt of 250k - compounding average interest of 5-6 this is around average student loan debt for most graduating doctors these days A vast majority of us have been coddled by student loans for the past 8 years 4 undergraduate 4 medical school and have little - none financial know-how by the time we graduate medical school, yet we are expected to know how to adult, finance, and budget with our first real jobs residency training This past Friday, I was happy to match into psychiatry residency program - 4 years supervised practicing salaried around 57k-60k year dont get me started on duty hours. This salary is universal for all doctors residents in training - state by state cost of living adjustments When all is said and done after 4 years, I will finally be able to make real doctor money - psychiatrists pull in about 250k annually give or take Most residents Ive talked to just defer their loans until they finish residency calculating the accrued interest was scary when I did it---Currently, Im planning to contribute to my 401k retirement program matches 5-6 and looking into the PSLF public service loan forgiveness program - 10 years of qualifying payments working at a state hospitalnon-profit hospital and remaining loan debt gets wiped with income tax on that amount. Is anyone familiarhave thoughts on this? It seems like a no-brainer, although some have expressed caution in making minimum qualifying payments in the case that the program gets sacked. Im open ears to anyall financial advice that yall may have as I move forward and try to be an adult. TLDR: dont go to medical school  <response>: My only advice is keep an eye on the status of the PSLF - there has been talk of limiting or eliminating this altogether. Theres no guarantee anywhere about this. Deferring sounds great when youre just on the cusp of earning a salary but dont forget it will cost you. I deferred through 3 years of IM residency and my loans added 25,000 over that time. 