The medical student accused of murdering an erotic masseuse he met on Craigslist is drowning in more than $100,000 in student loan debt and is so broke he can't afford to pay an attorney, according to court papers. Philip Markoff, a 23-year-old suspended Boston University medical school student, owes $130,000 in student loans and does not get money from his parents, leaving him to lean on a taxpayer-funded attorney for his defense, according to a court document in Boston Municipal Court that labels him indigent. Markoff graduated from the State University of New York-Albany and was a second-year medical student at BU.