<prompt> Human: I am a recent medical school graduate that did not match into a residency position. I am currently consulting in the healthcare tech industry and making roughly 70kyear. With little to no career opportunities to make use of a 500,000 degree that would pay near a physicians salary, I am at a loss for how I will ever repay that amount. In order to outpace the interest alone, I need to be paying over 1700 a month. If I do the PAYE program, I am stuck paying income taxes on the remainder of the forgiven balance after 20 years which may be near or above 1,000,000 leaving me with a near 400k tax bill. What can I do? Ive been told I cannot bankruptcy out of the burden. But if the outcome for the next 20 years for me is barely getting by coupled with a bad credit score and then culminating in bankruptcy when the tax bill comes around, or worse yet, leansgarnishmentsjail... the future looks bleak. Am I wrong for worrying am I making a bigger deal out of this than I need to be? What can I do and what options do I have? edit: I am a US from a University in Illinois MD grad. No red flags. Nothing lower than a B on my transcript. No attempts on either step This means I passed the first time on both 1 200 and 2 236 and passed CS first time Letters some let me read and they are glowing from program directors. I cant address what I cant explain. Assistant: Im not a physician and know nothing about the residency process. As an outsider here, Im wondering what is keeping you from getting a residency and interviews for them. Could you go to someone who is knowledgeable and get help changing whatever it is that is keeping you from getting one? Maybe talk to someone who could tell you what kept them from proceeding with your application to residency? Not sure if thats the right terminology.Human: You get to apply once a year. A few components go into your application. 1. Board Scores- My Step 1 - 200, Step 2-236. 2. Letters of recommendation. 3. Audition rotations at programs that you are interested in. 4. InterviewCant change 1. My step 1 score low, Step 2 above average. 2. LOR- I have great letters of recommendation and my letter writers are currently going to bat for me during the SOAP process.3. After graduation few places will take you on an audition rotation, and I would have to pay and provide separate malpractice insurance depending on the institution. This is a route that I was advised against, but I may revisit it.4. Interview - When you arent offered one because of shortcomings in 1-3, you cant shine in an interview.I have the residency issue down and am tackling it the best I can. I want to have a plan B regarding my finances should I not match. Its far too much money to not have a very well reasoned and carefully mapped plan.  <response>: look at residency programs overseas, or maybe even consider joining the military as a doctor. 