<prompt> Human: Hello rpersonalfinance,I apologize for the wall of text, but I am reaching for any amount of advice that I can get. I am 24 years old and graduated from undergrad last year debt free, have a paid off car, and about 5000 to my name right now. Normally I would feel ahead of the curve given my circumstances, but the profession I have fallen in love with may be the death of me.Over the past year I went through the application cycle to start dental school and graduate at 2022. I graduated from a state school with a BS degree in health science and a 3.6GPA and my Dental Acceptance Test standardized entrance exam was similarly good. I applied to fourteen schools and wound up receiving five interviews, with one acceptance letter, three rejections and one school has me wait listing as an alternate. I do not expect to hear back from that final school but it is still possible I suppose, if I were to attend there they would give me instate prices after one year, making it vastly cheaper.The school I am planing on attending is, as I said, out of state and I would never switch over to instate tuition. That would bring the educational expenses and instruments to around 80k annually, or around 320k over all. The other issue is cost of living in a medium expensive city, where depending on my living situation that I still havent figured out yet will be between 18-24k a year. I am shooting for exiting dental school after four years with 400k debt in principle and somewhere around 40-55k in accrued interest.The program is far too intense to have a job during school, and there is not enough time to work between semesters due to the short breaks. My family in no way could afford to cover the cost of me attending and because I dont know anyone in the city, I cant find a way to live with friends or family cheaply or free. Originally I applied for the Health Professions Scholarship Program with two branches of the US Military, but sadly due to an issue with my medical history I was deemed unfit for service. As a plan B I had applied to my states Western Interstate Comission of Higher Education student exchange program, where my home state would pick up the difference on instate vs out of state tuition, but this week found out that I will not be funded. This leaves me with no Plan A or Plan B. Finally I am looking into applying for the Health Service Corps which has a public health program similar to the military, but is ridiculously competitive. I already contacted my bank and asked what kind of deal they could give me for professional school loans and I could get up to 300k with a variable interest capped at a max of 8.5 and currently offered at 5.5. This is due to my good credit score, which is about 825 on the FICO scoring system. I am going to look around for several other offers before choosing something, but the federal loans have abysmal interest rates and I would hate to choose those.Right now my only plan is to move to a state with little to no income tax when I graduate and practice in a rural area for several years. I looked online and found several job positions being advertised for fresh out of school dentists in those types of areas offering up to and sometimes a little over 200k as an annual salary where it would cost next to nothing to live there. Those kinds of jobs would be about my only way of staving off of financial suicide. I am really at a loss on what to do. My state doesnt have an instate school to begin with, so that is out. Meaning that applying again next year would be incredibly risky and very unlikely to get in anywhere that would give me instate tuition past the first year. I have come too far to give up now, but just am looking for some advice on what to do when I get there.  <response>: I went to law school on a half scholarship. Ill make 200k this year with 100k debt.My opinion: 450k debt is never justified. Period. Earning a lot only to see all of it go out the door to a monopoly-money debt is just crushing. If I had 4.5x my debt coming out of law school Id be so miserable. Retake the DAT. Hold out for in-state tuition or a scholarship. Whatever you do, dont go into 20 years of debt. 