<p>“MD program is faster and you graduate with a large debt.”
- Yes, there is no reason for PhD part if you are planning to be an MD and not a researcher. It is just way too long. The “large debt” part depends on each family situation combined with your previous decision choosing the UG (expensive/cheap/free). I heard (do not know exact statistics, I am not big believer in internet published statistics anyway), I heard that about 25% graduate from Med. School without debt. One way to accomplish it is to choose tuition free (for you) UG and negotiate with family paying for Med. School instead (or at least a big chunk of Med. School tuition). </p>