That is also BS. First off, you won’t be earning enough money as a resident to make substantial payments on medical school loans that could very well be over $400,000.
Second…you say your parents have an income of $40,000 a year. How in the world would they be able to help you pay off loans in 3-4 years. It’s.Not.Possible.
Residencies range from 3-7 years or so. And then many docs do fellowships which are also not exactly high paying. In the meantime, your medical school loans will continue to accrue interest. They just will.
By the time you are earning the “big bucks” your debt could easily be $600,000. Even on a doctor salary, those payments would be a huge chunk of change. To do this in 3-4 years, you would need to make $150,000 a year in loan payments. That could be a large chunk of your take home pay as a doctor. Remember, from your salary, you will have things like taxes, Fica, various insurances, and hopefully retirement contributions. You should get your own disability insurance too.