<prompt> Human: Hello everyone,I will go on a rant about debt management education in the medical field and also my personal situation.So first off, I have been in college for 4 years, medical school for 4 years. I am currently on year 13 of my residency training doctor in training and possibly if I decide to pursue a fellowship which is for specialty training, it would be another 3 years of training. During these 11, possibly 14 years of training. Most people, unless youre fortunate enough to have a wealthy family who can for your medical education are stuck with a 6 figure debt. The average debt being 190k in 2016 source: And back in 2011, they got rid of subsidized loans for medical school loans source: Which means we were accruing interest on loans we couldnt pay back while in medical school. Our schedules and studies dont allow us to hold a side job. For the government, its a low risk loan as most of us will graduate and be able to slowly pay back our loans. I dont get how they got away with this without any push back, but like I said, a lot of people going into the medical field are not aware of these changes or dont have the time to care.Anyways, Im currently a first year resident making 50k a year. Our salaries only go up 51k,53k for our following 2 years. So not a significant amount. I bought a house for 180k on a doctors mortgage, meaning no down payment was necessary and my interest rate is 3.625. I couldnt stand living in a 1 bedroom apartmentstudio anymore. Whether this was a good financial decision or not I dont know, but it makes my quality of life immensely better. Money cant really replace that so Im happy with my decision.In terms of my debt. Im sitting on 110k with a interest rate of 6.8. So I am doing better than the average but her is where I need your advice. I am currently paying back the minimum based on my income which is around 280month. After my mortgage, car payments, utilities, life insurance, and other miscellaneous expenses; I dont have much else to pay back. I am currently single and doesnt look like Ill be marrying anytime soon. And assuming I wont go into a fellowship, Ill be making around 175k -225k depending on where I practice. I could be doing shifts on the weekends at an urgent care or emergency department which pays around 1-1.5k a shift to increase my income. I plan to live within my means and not by a new car, not buy expensive clothes or toys until I can fully pay back my loans. Other than my seemingly simple plan, can you guys help me better my financial situation? What books or resources can I read to increase my knowledge so I can better my future? I am a doctor, but that doesnt mean I know anything else other than my field so starting from the basics is what I need. And yes, I have read the white coat investor.On a side note, I do have about 14k sitting on some stocks. Would it be wise to sell my shares and put it towards my loan now or be hopeful that my shares will increase at a rate greater than my interest?  <response>: Dude you only have 110k in debt. The average MD school has 35k in annual tuition so thats 140k even without including interest and tuition increases.Add cost of living and most people without family help have 200-250k in debt.Then consider undergrad debt. A lot of people dont have family paying that.As other posters said, you dont have any reason to complain for getting a mortgage. I lived with roommates for every year of residency and med school until my last year. And lived close to the poverty line until recently.Furthermore, you should be starting at more than 175k. If you are even a tiny bit open about geography you should be starting at 200k even for the lowest paid specialties.Most people do NOT need financial counseling IMHO. We all know how much people in our field make and its VERY easy to make a back of the napkin estimate of our loans at the end of our training. An idiot can be good at personal finance. Doctor, lawyer, welder, doesnt matter. No excuse.Your loans are likely at 5.31-6.8 I doubt any higher since you probably didnt have to take out Grad Plus loans considering your very low relative loan debt. I just looked up the stafford loan rates when you went to school 2013-2017 and they were from 5.31-6.8.Most people would advise you to have an emergency fund of 3-6 months, max out roth ira, get at least the maximum 401kroth 401k matching, and consider putting the rest in your loans or investments.I would keep your 14k in stocks especially if you bought them recently to avoid the higher short-term capital gains taxes. The S and P 500 CAGR with inflation calculated is about 6.9 from 1871-2017 so its up to you whether you want to pay off your loans with them or keep the stocks. If they are in roth ira accounts or any retirement accounts I would strongly recommend not selling them to avoid penalties for withdrawal before 59.5 yrs of age. 