<prompt> Human: I am considering applying to medical school and I am in my early 30s. I want to train to become an oncologist. I realize I will be well into my 40s when I am done with my training. I cant imagine doing anything else though. I have fairly strong connections in this field as well. I am single with no attachments other than previous debt from my masters. I know of some loan repayment programs through the NIH and public service loan forgiveness. How should i approach this?I would take classes for the next year. Then, I would apply to medical school in June of next year. I am worried about not contributing to my retirement though.  <response>: You will have to take out loans. Go to a school where you can have in state tuition. If you get into a school out of state, defer your enrollment for 1 year and go work in that state to get residency before enrolling. But again - you will have to take out a hundreds of thousands of dollars in loans. In the end, it will financially pay off, but only after a dozen years of very very very hard work.Edit -grammar correction 