<prompt> Human: Hey rpersonalfinance, thanks for reading!Im a medical student who may have an opportunity to do a year-long internship at my school. That will obviously delay my graduation from 4 years to 5. In return, the school will cover almost 2 years worth of tuition 100k, as well as provide a 20k stipend for living expenses for the 5th year. -My tuition is 55kyear-Living expenses are 20kyear-Total debt upon graduation without internship: 300k-Total debt upon graduation with internship: 200k-Some of my loans are private loans at 3 interest, most of my loans will be federal student loans at 6.5 interest.-After I graduate, I will be in residency for about 3 years making roughly 45-50kyear, and after that when Im a practicing physician Ill be making about 200kyear. So my question is, strictly from a financial perspective, considering I will be delaying my career by 1 year, is taking the internship worth it in the long run? Is it worth it to save 100k now and delay making 200k by a year? Thank you for your time!  <response>: My opinion...yes. It is well worth it. That internship may not only provide you related experience that gives you a competitive advantage, but there is a substantial financial benefit. A ome year delay in starting your residency, and then your medical practice, is really nothing compared to having a 100,000 debt at 3-6.5 interest lifted off you as you face the future. 