By having to ask the question, you have answered it. Loans can be scary, but you will have a strong income stream when you start to practice and can have opportunities to gain additional income. EG Case review for insurance companies, additional on time call hours, etc. Income verses loan ratio is very important, but most physicians do not do it for the money only, but as a life's calling. Often the armed forces or tribal communities may pay off your loans in exchange for service. If your heart is really in it, pursue your life's ambition and dream.