Forum Post: med student perspective
Posted 12 years ago on Oct. 10, 2011, 6:43 p.m. EST by nyblds123
(15)
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I am a med student... i work over 100 hours a week and pay 70 grand a year to do it... i will be $400,000 in debt when I graduate if you include going to college.... job outlooks don't look that good... working 80 hours a week and making 160 grand as a family practioner seems good but lets break it down... after malpractice insurance and overhead costs, the salary is closer to to 90 thousand... still seem like a lot? divide that by 2 to because I am essentially working 2 40 hour a week jobs... that's 45 grand and I will be paying off student loans. But you know what... I AM NOT GOING TO COMPLAIN. If you work hard then you will get a job. Occupy Wall Street has a bunch of people who have obvious complains without any logical solutions. How can you expect everyone to have equal living wages when their are some professions that require people to work 90+ hours a week while others can get by on 20 hours a week. You can not pay everyone equally. Who will be our doctors and lawyers? These occupy wall street is a bunch of people who want to work 20 hours a week but live a comfortable life. I'm sorry but if you actually go out and work, or look for work then it will come. Looking for work is not easy but if you do it, instead of feeling entitled to a job, the economy will function. Once you get jobs, people will spend more and life will be better. Demanding equality financially is easier said than done. Also on another note, giving everyone healthcare is easier said than done as well. I used to believe in this as well but in the hospital, you see people abuse this so much. The same people come back day after day to use the hospital as a hotel. They get a nice meal and watch TV and then leave and come back the next day. Is it fair for them to get away with this when a 76 year old woman who works her whole life to pay off a house comes in with chest pain and insurance... Her insurance won't pay for her to be in the hospital and her house gets taken from her. The only thing she did wrong was work her whole life. It is not fair. So before you guys start giving demands, try to think about solutions and why they haven't been implemented yet. So how about you guys look for work or solutions instead of pointing out obvious problems
There are no jobs kimosobi. And they are not coming back any time soon. Like a guy said the other day. If your just one person looking for a job, then you will probably find one. But if your 24 million looking for job, it's almost impossible.
Your living in a bubble.
When you get sued for malpractice and lose your Medical license... and then you can't pay back your Student Loans because the rest of the jobs out there pay $8/hour... then your Credit is ruined and you can't rent an apartment or buy a home... keep in touch with us and let us know how you are doing.
thats my point... im saying thats how the system is... but you can't get anywhere just bitching about it... i agree there has to be change but when you complain you should have solutions to back yourself up
I'm being facetious... I have 3 high school buddies that became doctors... Inder Seekri the vascular surgeon, Martin Milliken the anesthesiolgist, and Jimmy Greenwood the dentist. You should do just fine. Just don't go administering Propofol to your patients in their own homes. he he
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this post makes some very valid points. it is clarifying the fact that many physicians are just making a comfortable living despite the huge amount of personal and financial investment. this is also a driving force that doesn't serve our health care system very well. the overwhelming financial burden most med school graduates face is driving the best and the brightest to the more lucrative specialties such as orthopedic surgery, radiation oncology, and plastic surgery. this in turn leaves the foreign medical grads and the less than stellar US med students to primary care which is the foundation of a strong health care system.
the other important point attempted to be conveyed here is stop being so entitiled. remember the fact that america is still the land of opportunity. a partial explanation for the disparity of wealth is the increased number of billionaires over the last couple of decades. and most of these billionaires are self-made and opportunistic.
A few comments:
1) You should have done your medical studies abroad, maybe the Philipines or India. Your debt is the result of the Government supported educational complex. Right now, Doctors abroad are graduating with a fraction of the debt, and coming to America because the wages are better.
2) Your grades may have been great, but had you been truly bright, you would have gone into Law. You would probably already be billing at $350/hr (700k a year), and your job would be protected by State licensing requirements.
Consider this. We are not removing any laws from the books, only adding to them. That will probably go on forever until there is a revolution. All of those laws, written by lawyers, will need lawyers to fight about them in court, in front of other lawyers (judges).
Sorry man, but you should have left doctoring to the Asians.
...should have left doctoring to the Asians. with this type of mentality, why bother living in Alameda, california?
actually the percentage of lawyers making over 700k is far smaller than physicians making that amount. on another note, med school grads are not applying for nursing jobs like recent law school grads for paralegal jobs.
So you are saying most doctors make over 700k? Doesn't that go against what the claims of the OP?
Even if your claims are accurate, I suspect there are far more attorneys than doctors, making those statistics somewhat meaningless.
thats the dumbest comment ever.. you are basically implying asians are lesser people and thus should suffer being in debt....... just remember the next time you go to a hospital to be thankful
Did I say they were lesser people? Are you denying that our hospitals have a very lopsided racial slant?
I was simply pointing out a logical career path that would left you with significantly less debt. Don't sweat it. Your job is still protected, albeit to a lesser extent, by license boards. Be glad you aren't any type of engineer, or you would have a similar debt to that of an attorney and be career capped at about 120-150k a year.
"i am not going to complain".......what was your post doing then??
you idiot....... im not going to complain about getting a job and an education and actually working to earn my living instead of sitting in a park waiting to be entitled to making 200 K after going to community college
I work over 60 hours a week, also. Yet I support the protests. Your hypothetical situation with the 76 year old makes no sense. One of the main themes of the protests regards the banks receiving bailouts due to the mortgage crisis, yet they continue to foreclose on people. Also, the way you make dismissive generalizations about the protesters, along with your poor grammar, makes me suspect that you are either not a med student or that you are the last person that should be in such a field. I've never met a medical doctor that I believed was more concerned about money than actually helping people. The money rarely makes up for the devotion it entails, but their genuine concern for the welfare of others compels them to do what they do. Doctors tend to care enough about all different types of patients so they can work hard addressing the problems they may be facing. In other words, I'm pretty sure you need to get the hell out of the medical field so somebody that actually gives a shit about people can take your place.
you can still give a shit.. i consider myself a caring person hence i stay around to work 100 hours a week but at some point you need a life and how does the 76 year old make no sense? it happened...
It makes no sense for you to blame the protesters for the 76 year old because the vast majority of the protesters are fighting for those problems to be addressed. It's the health insurance companies (working in a rather flawed system) that are financially crippling people with debt and it's the banks that are foreclosing on peoples' houses.(ILLEGALLY, I might add)
While I doubt all the protesters are in agreement about the solutions to these problems, they are at least fighting for them to be addressed. If you have a solution, or suggestion, let us fucking know. In regards to your student debt, while I oppose forgiving all student debt, I and almost all progressives advocate subsidizing tuition in crucial fields like medicine. Why the hell are you so opposed to the protesters?? While I'm much too busy working to go protest, I'm thrilled that there are people out there fighting the tides of deregulation that have benefited nobody but a very select few, and even many of them side with the protesters. They didn't cause your god damn problems, but they're trying to fucking do something about it. Instead on focusing on yourself, why don't you offer some input as to what the protesters' demands should be??
trying to do something? they are pointing out problems with no solution... yeah i want everyone to be happy but there are reasons it can't work like that and the protesters are just saying everyone should be happy....... everyone should get money... taxes should be cut... everyone should have a job......... lets consider the problems... like the fact people with welfare are allowed to go use that money on heroin and cocaine....... how about starting small like regulating aspects like that instead of demanding everyone should have healthcare and money
"they are pointing out problems with no solution..."
So are you.
"yeah i want everyone to be happy but there are reasons it can't work like that"
Work like what?? You just fucking said they don't have any solutions.
" the protesters are just saying everyone should be happy"
When on earth did the protesters say, "everyone should be happy"??
"everyone should get money"
I've never seen that on any signs. Where did you get this from??
" taxes should be cut."
So now they're now Teabaggers??
"lets consider the problems."
So you want to keep ignoring the problems??
"like the fact people with welfare are allowed to go use that money on heroin and cocaine."
No, they're actually not. Heroin and cocaine are incredibly illegal. Are you out of your mind??
"how about starting small like regulating aspects like that instead of demanding everyone should have healthcare and money"
That's not regulation. That's just more dismissive stereotypes and a doctor that thinks people shouldn't have access to healthcare is one shitty doctor that needs to find another field to pursue a career in.
ok dumbass.... obviously heroin and cocaine are illegal but people still get them... im pointing out a problem but acknowledging there is no rational solution at this point
"im pointing out a problem but acknowledging there is no rational solution at this point" Perhaps we should continue ignoring these problems. Ignoring them will of course make them go away, right?? Again, shittiest doctor in the world.
oh yea man.... im ignoring them? i am acknowledging they exist but unless you have a solution don't go around bitching expecting politicians to make a change
"unless you have a solution don't go around bitching expecting politicians to make a change"
Maybe we should all be bitching about other people bitching, expecting politicians to make a change??
Real solutions that would change the world right here.
https://www.facebook.com/5centsaday
https://www.facebook.com/pages/Organize-to-Mobilize/134037350029186
He should be well paid because he has something of value to give in return (and probably will be if we can get rid of socialized medicine). If "silly things like merit and and hard work" don't bring reward, then everyone has incentive to do nothing. Exactly why socialism only exacerbates the problems it tries to solve.
-may be the smartest comment i have seen here
You obviously don't know anything about love and how society creates the wealth, not the individual.
Actually, it's gubmint that creates wealth by smashing buildings and replacing them, building infrastructure that already exists, dropping bombs on people thousands of miles away, running programs (like the dept of homeland espionage) with no budgeting, and building roads and bridges that go to nowhere.
Wealthiest country in the world, baby!
Well, one could make the argument that the government can't create wealth by infrastructure building because the money for those buildings has to be taken out of the private sector (which is actually creating wealth). But we can't let people know that. We can't permit it to be true.
But gubmint does create wealth by skimming the private sector, turning the money into bombs, and blowing up the bombs thousands of miles away. Instant wealth! It's the same as printing money!
Well either way we can't let people know that the government isn't a wealth creation engine. People HAVE to think that they owe their existence to the government. People need to worship government so we can do what we want to them. What do you think the 'war on poverty' was all about? It was to create a permanent class of people who owe their entire fortune to what the government is willing to give them. Now we have 5 generations of them living in projects awaiting our command. But seriously, people CAN'T find out about it.
Secret is safe with me.
Power to the People!
You are at the top of the chain. Becoming a doctor is supposed to be one of the most stable and well-paid position if you actually go through the education. If this is the situation that you are in, then I fear for the rest of us.
Another thing is that things may be bearable in your situation, but others can't find jobs even after getting higher degrees. Please have some empathy for all of those who want a full time job and living wage, and are willing to work for it.
If you somehow didn't end up getting a job (not to sound rude but the medical profession isn't in the same tattered position as most fields) maybe you'd find yourself feeling differently about the system we live in.
Btw, the Soviet Union had doctors and lawyers, and even if its hard to believe, it was an extremely competitive field. If money is your main and only initiative when going into medical school, perhaps you're not going to be the best of doctors.
Yeah no kidding. He shouldn't be thinking about money, he should be thinking about how much of a servant he can be. He won the gene lottery and ended up smart enough for medical school. His student loans are the price of being able to serve us.
I think all medical education should be paid for by the Federal Gov't and then those people should need to work for Gov't for a stretch as pay back. We need single payer to remove profit from the middle men making billions off both the patients and the Drs.
The federal government is like the most corrupt corporation there is! We should be opposing much of it, as it is DEFINITELY a key part of the 1%!
If you mean the way its working right now I agree. But that's because the Corps. have captured and bought most of it and redirected its power and resources for its own uses.
"If you mean the way its working right now I agree."
Yes, that's what I mean. If we go to the source and remove the power to create and control money from the private FED and their crony federal government partners - we'll do much to clean up our entire society.
Ron Paul 2012.
If you have a skill intellectual or otherwise society needs to assist you in your learning as it is in the best interest of all. This system that put those in debt and beholden from the get go is what you should be rallying against. Everyone has a part to play and that is different for each. No one should be thought of as less because without each other all things are impossible, together the sky has no limit.
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#the-gap-between-the-top-1-and-everyone-else-hasnt-been-this-bad-since-the-roaring-twenties-1
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#the-last-two-decades-were-greatif-you-were-a-ceo-or-owner-not-if-you-were-anyone-else-5
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#and-savings-rates-are-sinking-7
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#despite-the-myth-of-social-mobility-poor-americans-have-a-slim-chance-of-rising-to-the-upper-middle-class-8
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#meanwhile-income-tax-is-getting-lower-and-lower-for-the-rich-10
ok dude chill... how about you stop comparing yourself to the 1% and live like the other 99%
Not sure what you mean. I am for the other 99% and I have not compared myself to the 1%. Maybe you meant to reply to the person who did the original post? My charts I posted show why he is wrong.
I worked in ER/Trauma centers all over the country and I agree with you on many points.
Keep in mind that right now, we're building numbers and consensus. There are a lot of strange ideas that will not go forward (coming in from all sides). The thing right now is to find things that 99% of us agree with. For example, ensuring that voting machines generate a paper trail and are easily audited. Or eliminating undue corporate influence in our government. The rest of the stuff might be controversial, but it won't go anywhere. So, don't sweat the small stuff. Work on educating yourself and others. Work on reaching consensus on goals and objectives.
One step at a time.
A paper trail won't work if the machine has been pre-programmed. No we need to shit can the electronics and go back to paper ballots like the Canadians have.
problems with that idea
Many countries do just fine with paper ballots not paper that is in a machine ( like Fla.), paper without machines.
I don't think that you understand what has happened. There has been a massive "wealth redistribution" that has gone on for the last 30 years. The top 1% now controls over 42% of our entire nation's wealth and the top 10% now controls over 70% of our entire nation's wealth. The bottom 50% now control around 2% of our entire nation's wealth. (University of Southern California Study).
How did this wealth redistribution happen? The middle class is the engine of our economy. The middle class spends their wealth on corporate goods/services and the corporations take that money in as profit. The corporations redistributed the middle class wealth by paying vast majority of their profits out to the executives at the top and shareholders. Middle class wages have stagnated for 30 years while executive wages have gone up 256% in since 1980. Even last year executive compensation went up another 11%. We have not seen numbers like this since the great depression. All of our nation's wealth has been redistributed into the hands of the few.
How did this happen? The middle class was roped into replacing wages with easy credit and loans. So instead of paying people living wages, corporations fooled us into thinking we were doing well and could afford things by giving us easy credit instead of wages. Corporations came up with the brilliant idea that they could loan us money instead of paying us wages. Instead of having wages to buy t.v.'s, furniture, etc. we were given easy loans. So the middle class became a debtor class. There used to be a tax disincentive to paying out all of corporate profits at the top because in the 1950's income was taxed at 90% over a certain amount money ($2 million in today's dollars) and now that tax disincentive has disappeared. In 1950's the highest marginal tax rate was 90%. In 1960-1970's it was 70%. In 1980's it dropped to 49%. In 1990's dropped to 39%. Under George Bush it dropped to a mere 36%. We have had over 30 years of massive tax cuts for the wealthy. There is now no tax disincentive to paying out all of the corporate wealth at the top. And there is no employee bargaining power because now less than 7% of all of private sector jobs are unionized.
With no tax disincentive and no employee bargaining power, all of the corporate profits are being paid to shareholders and executives. Why can't you just trust executives to pay people fair wages? In the 1980's our courts ruled that corporate executives only have one duty and that is to maximize shareholder profits. The 1980's ruling single-handedly removed executives from having any duties to their employees, society, or to the company's long-term future. Executives only have one duty and that is to maximize short-term shareholder profits. And executive compensation is usually directly tied to maximizing short-term shareholder profits. This caused companies to not create long-term growth plans and to instead use gimmicks to increase short-term profits. In fact, instead of executives using innovation, creation, and growth to increase profits and stock prices, executives know that they can do it through easier methods like laying-off workers and cost-cutting like pushing healthcare and retirement costs on workers.
The problems are: 1) deregulation of the banks by the Republican-controlled congress in 1999 (Gramm-Leach-Bliley Act); 2) hedge funds are exempt from regulation (and are currently causing the world financial crisis by betting against Greece and other Euro nations and the Euro currency); 3) tax system no longer has a disincentive against paying outrageous executive salaries (highest marginal tax rate has dropped from 90% to 36%); 4) commodities market (oil, gold, food, metals) is exempt from regulation and is now a haven for financial speculators (Republican-controlled Congress exempted it in the Commodities Future Modernization act of 2000); 5) the Supreme Court has ruled that corporations can spend unlimited funds in campaign elections - Citizen's United case (thus politicians on both sides favor the wealthy/corporations) and 6) the rise of corporate/billionaire propaganda media "news." Because of the need to raise massive sums in politics today, we no longer have a party that represents the people. The Democrats have to chase the corporate and big money donors too.
What can we do about this: 1) re-instate Glass-Steagall Act regulating the banks; 2) regulate hedge funds and the commodities market (because the commodities market is not regulated speculation has caused prices for commodities to go through the roof); 3) get rid of the money in politics (have federally funded elections with clear limits on spending and no outside groups allowed to have ads); 4) get rid of 1980's laws stating that corporations' only duty is to maximize shareholder profits; and 5) regulate "news" channels and newspapers (no more "slanted opinion news" masquerading as hard news) and reinstitute the fairness doctrine across all news outlets to ensure that both sides get equal time.
it has nothing to do with more middle class jobs being outsourced or sent overseas?
No studies actually show that is a myth perpetuated by the executives to make everyone feel lucky that they have a job while they pay themselves the majority of the corporate profit pie. Studies show that executive salaries have ballooned 256% in the last 30 years. They are paying out all of the profit pie to the few at the top and making their workers work harder and harder and shoulder more and more of their own healthcare and expenses.
In the 1950's when the marginal tax rate was 90%, I believe that the executives only made 12% more than their workers. Now, they make 262:1 more than their workers. It is not that companies cannot afford to pay their workers, there is just no disincentive against paying it out to the group of the executives at the top and to the shareholders in dividends.
Corporations are flush with cash, have great profits, and are paying outrageous executive salaries because the workers have no bargaining power and the government is bought by big business. In fact studies show that wealth inequality is not growing like in the US in the rest of the industrialized world. Other first world countries have not had this same problem.
Check these out:
THE RATIO OF AVERAGE CEO COMPENSATION AND WORKER PAY IN THE US 1965-2005 2005 - 262:1 (Av. CEO-$10,982,000/Av. Worker- $41,861) 2004 - 238:1 2003 - 181:1 2002 - 143:1 2000 - 300:1 1989 - 71:1 1978 - 35:1 1965 - 24:1 Source: Mercer Survey of 350 large industrial and service firms conducted for the Wall Street Journal as reported by Mishel, Bernstein, Allegretto
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#the-gap-between-the-top-1-and-everyone-else-hasnt-been-this-bad-since-the-roaring-twenties-1
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#the-last-two-decades-were-greatif-you-were-a-ceo-or-owner-not-if-you-were-anyone-else-5
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#and-savings-rates-are-sinking-7
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#despite-the-myth-of-social-mobility-poor-americans-have-a-slim-chance-of-rising-to-the-upper-middle-class-8
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#meanwhile-income-tax-is-getting-lower-and-lower-for-the-rich-10
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#the-income-gap-is-not-growing-in-other-countries-like-france-13
http://www.businessinsider.com/15-charts-about-wealth-and-inequality-in-america-2010-4#if-you-arent-in-the-top-1-then-youre-getting-a-bum-deal-15
http://finance.yahoo.com/tech-ticker/jeffrey-sachs-%22the-american-people-are-going-to-reach-a-breaking-point%22-yftt_536035.html?tickers=%5EDJI,%5EGSPC,MUB,TBT,TLT,UUP,SPY
http://www.dailyfinance.com/2010/11/23/record-corporate-profits-are-coming-out-of-workers-hides/ http://www.slate.com/articles/business/moneybox/2011/03/more_profits_fewer_jobs.html http://communities.washingtontimes.com/neighborhood/21st-century-pacifist/2011/feb/16/2010-realizes-record-profits-us-corporations/
Shorter.
Just try reading it and checking out the links. This is not partisan, it is a real problem and deserves not to be dismissed out of hand and without real thought.
But you're just part of society. You were gifted the brains to do medicine. You were born that way. Why should you be paid any more than a beggar? You don't get it. It is society that creates and owns the wealth. Therefore, the possession of wealth should be separated from silly things like merit and hard work. You chose this path. You could also have chosen to surf, do drugs and bang hot surfer chicks. A lot of people did do just that and are happier for it.
He should be well paid because he has something of value to give in return (and probably will be if we can get rid of socialized medicine). If "silly things like merit and and hard work" don't bring reward, then everyone has incentive to do nothing. Exactly why socialism only exacerbates the problems it tries to solve.
Socialism hasn't failed because it hasn't been tried. Besides, our socialists are a lot smarter than socialists in olden times.
USSR - not socialist? Greece - not socialist? I don't think socialists are ever very smart actually... well maybe the really selfish ones who realize that they can get paid by having others work for them -lol. That is what socialism does by definition - takes by force from the earner to give it to a non-earner. It hurts both in the long run and creates more non-earners and reduces the incentive of the earner.
USSR was a dictatorship for the most part. Both Greece and the USSR are victims of having money boys in the US out to get them.
We don't care about the incentive of the earner. We'll nationalize everything and force them to run the companies. Want incentive? Meet Mr. Whip!
Your a fucking communist! Patton should went right Berlin to Moscow.
I spent more money on my education? I didn't fuck off and get high instead of going to class. I got better grades than you. And my profession dictates what I earn through the free market.
I should make as much as a beggar? You fucking idiot! Just go shoot yourself you fucking moron! Your not getting my money so go fuck yourself. Show up at my door and try to take it I dare you. I'll put you right out your misery you dickhead!
But the only reason you got that profession is because you won the gene lottery. Why so vulgar? And besides, medicine is pretty fucking far from a free market in the US my friend. Medicare (a government program) has set the value of your labor at $37.8975 per RVU and you lap it up like a dog. I know that you get some private insurance like BCBS but have you ever looked at their fee schedule? It isn't a coincidence that every single one of the fees is set as a multiplier of what Medicare says you're worth. Go ahead and look at BCBS where you live. Divide every fee by 37.8975. Every single one of them will come out 1.something - likely 1.6. So you aren't in a free market dude. Climb down off your cross.
I think $37.8975 is far too generous. You should get $0.378975 per RVU. And when we take power, you'll beg us for that much.
I'm not a Dr. It doesn't matter what I do. Nobody is going to tell how much I can earn or keep. So let me see if I got this right, you have sub par genes? So you can't earn a living? And if you think you assholes are going to take over, you are delusional. Vulgar you bet I am. You try and take money......FUCK YOU and whatever piece of shit gave birth to you. If I met you in a bar I would kick the shit out of you. You are a stupid fucking moron.
Why so violent and vulgar? So you're backing off of your claim to be a doctor? Society has always, is currently and will always tell you what you can earn and what you can keep. Don't like it? You'll go to jail. Don't want to go to jail? We'll point guns at you and force you? Still resist? You're dead. Either way, you will obey. Did you just fall off the turnip truck dude? Did you not know this was the way things are?
Its not my problem that you worked your ass off when you could have been banging hot blondes instead of the Chaz Bono look alike you're married to. You were the one stupid enough not to open your eyes and know what the game was. We control the game now. You lose.
Dude, your a dick! I never said I was a Dr. that was the post above me. I determine how much I make. NOT YOU! Your not getting my money.
I will get a little of your money. The OWS is going to decide what to do with all of it. We might give you a little of it back, we might not. You will have to be re-educated obviously to even be considered. I'm thinking some time in rural North Dakota in a tent. Maybe 4 or 5 years should do it.
And even under todays system, there is no free market. There is crony capitalism but there is no free market. So wake up dude. Smell the coffee.
here's the people that will decide what to do with it: http://www.youtube.com/watch?v=3QZlp3eGMNI - from Saturday OWS Atlanta!
Oooh. That video makes us look a little crazy. Someone hack it and take it down.
Yeah put me in a camp. You sound like Hitler. Fuck you! I hope your dog gets cancer!
LULZ! What do you think this movement is about little boy? Run along. The only difference is, we are using the word 'Banker' instead of 'Jew.' Be nice now or we might have to deal with you.
You made some really dumb decsions. Why go into hock? Its not worth it.
His going into hock is the price of his being able to serve us. Instead of thinking about money he needs to be thinking about washing feet, ministering to the poor and such like this.
He could have joined the army or the peace corps, etc and received most of his medical training for free or at a low cost