<prompt> Human: Hey r Personal Finance,Been in this subreddit lurking since high school, and now Im actually turning to you guys for help!I just recently graduated with a Bachelor of Science in Nursing BSN and will be using this degree for my Pre-med. My financial situation is that I have no debt whatsoever for my undergrad degree as parents handled most of the financial burden to put me through undergrad school. However, as most of you understand, parents cant support me all the way to become a physician -- I have to pay for that now.I have zero savings at this time as a fresh graduate. So Im looking through my options as to what I can do about this.These are so far what I have in mind I hope you can guide me as well, that would be appreciatedCurrent situation:- Currently living in my parents house no apartment, and they actually prefer me living with them and the family.- Have a car, but no monthly note on the car its completely paid, just gas and insurance 170 per month for insurance and at most 50 per week for gas- Have cellphone, monthly is 40- Food usually is just provided by parents, I help them out of course to buy some groceries here and there but not obligated to pay anything- Projected to live with them for only a year cause its kinda embarrassingTotal expense per month: 410 -Route 1: Work for a year 32.00 per hour as a graduate nurse RN, save as much money as possible while also facilitating MCAT Medical College Admission Test. Background story and irrelevant from personal finance:For those who are unfamiliar with the process in getting admitted into medical school, the pre-requisites involves the MCAT scores, and the transcript of records from the university you graduated from, which the Med school will evaluate; GPA, required pre-med classes, etc and interviews you to be admitted into their school. This process takes a while, and I believe working for a year is beneficial for the preparation in both the paperworks and savings Route 2: Loan. I asked around different banks because government does not provide a post-graduate financial aid. Now, with the loan route, I know for sure Ill owe more than 200K within the total years spent in med school. That doesnt even include housing, books, and basic utility bills. Scholarships are extremely competitive, so expecting the worst possible outcome on not getting a scholarship. Route 3: Combination of Route 1 and Route 3; where I will work for a year, process MCAT, take the exam, save money, AND apply for the military. The reason Im with the idea of joining the military is because Ive always wanted to join to begin with and while Im still within the age limit in joining the service and they have this scholarship program called Health Professions Scholarship Program HPSP URL: Of course this is a commitment, have to go through officer school commissioned officer, basic training, getting accepted to the scholarship program, and after graduation for medicine, need to work for 4 years active, and 4 years reserved. So far these are the options I have considered following through as it is practical to my situation. I have many people that had discouraged me from going to med school, because its a lot of time, effort, and money. However, I have thoroughly thought through this decision; I have no kids, wife, or girlfriend and not planning on having any, anytime soon. Thank you for anyone that can help me with this, it really means the world to me. Alex Hagad IV.  <response>: If you have always wanted to join the military and they will pay for most of the school then, that seems like the most logical route. Otherwise I would eliminate route 2, you have 2 other ways of doing it that will give you much less debt with more Lifework experience. 