One of my friends is finishing up her P.hD in entymology at Cal and she's somewhere around $175k in debt now with no expectation of ever making more than $50k/year in her field (if she can work in it at all). Another went to a private university for undergrad, then Temple for Med school, she's just now gone through Match and is around $225k in debt. She's chosen a career path that once through her residency (with a $40k/year salary expectation for 5 years through a triple-discipline program) should land her a comfortable $250k/year salary in the middle of nowhere. The $225k she'll have was a good investment, but my friend who likes beetles?She expects to pay 20-25% of her salary to pay it off for the rest of her life.