2/ The upshot is that if you go to dental school and then do an orthodontics speciality (and live SUPER frugally, living at home, driving used cars, etc.), you will end up with medium interest debt that compounds into $2M. You are SUPPOSED to make min payments for 20 yrs, then
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3/ at the 20 year mark, it all goes away. This is an entirely foreseeable result of the gov structuring things that way, and the schools and lenders responding to incentives. You know who's totally screwed? Not the dentists. Those who fail out, or get injured.
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4/ Imagine doing 4 yrs of dental school + 2 years of orthodontics, working for 12 years, paying min on your debt...and then getting cancer, or a stroke, or being in a bad car wreck. It's over.
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don't forget plumbing
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