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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]250k in loans after medical school. I am 10 ys out and have 180k to go.  Depressing.[/quote]

Wow! My son had almost $200K in student loans when he finished his residency about 18 months ago. He has paid off all but $20K which he expect to pay off by June. He is single and lives well but keeps his spending down because he wanted to pay it off within two years of completing residency.[/quote]

I don't know how this is possible. You would have to have a ridiculously high net pay in order to pay $180K in 18 months.[/quote]

He earns approximately $450K gross annually ......[/quote]

Again, I am a PCP.  Your son had an extra $325k in his first year of work to put toward his loans compared to me.  Not surprising he doesn’t have much left.
To the MS3 going into peds, I love my job and have never regretted my decision not to subspecialize. But if you are interested in higher paying pediatric subspecialties, then certainly consider the financial benefits. [/quote]

NP. Gotta ask -- are you unreasonably low paid for a PCP or is this just what salaries are these days? Does geography have something to do with it -- like you can make more in states that have a PCP shortage vs. states along the 95 corridor where there are tons of drs. so practices don't need to pay $$$ to attract more? [/quote]

I made $125k 7 ys ago in my first year of employment. I make more than that now (but nowhere in the vacinity of $450k haha). I do not honestly know what a starting pcp salary is today in this area. It is much lower than other fields of medicine.  The competition here actually helps because employer tries to keep salary competitive in order to retain me as there just aren’t many to hire if I left for a higher paying job. . There are definitely underserved areas you can move to that offer higher salaries to attract internists. It’s usually not as good as it seems though. You are often overwhelmed with patients, work long hours with little support services in the area (lack of specialists and ancillary services). And you live in an isolated environment. [/quote]

Starting pay is still around $130 for primary care physicans in the northern Virginia, from the offers my husband got last summer . He finished residency and we would have loved to stay in the area  but the pay wasn’t enough for us to deal with his $220k in loans and have a life with our kids. He makes a bit over $200k out west where we moved but it is a higher needs population, as you said. 
And to the pp asking about pediatric sub specialties, most subspecialties are actually a pay cut or the same amount as a pcp, especially considering all the additional years of residency that you need to go through.  Peds is rough financially but very rewarding to him personally [/quote]

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