For anyone else out there looking at this and freaking out, Texas has this dialed. Son is in second year and all in is able to live on $32,000 per year because Texas wants their medical students to stay in state in an attempt to keep future doctors there. He should come out with less than half the loan amount of other state’s new doctors. We live in CA but we LOVE TX for this! The state subsidizes all of the medical schools so the tuition is low for all vs. it being a scholarship arrangement.