<p>The med school debt is a sunk cost and therefore it does not matter whether one practices medicine or not after going to med school. The malpractice insurance is a cost of doing business and eats into the earnings. A lot. 10 years ago my friend, an ob/gyn, was telling me that her malpractice insurance was $150k and that was good since she had not any claims yet. I cannot even imagine what Pizzagirl’s H is paying nowadays!!!</p>