have so much education related debt, though.

I have income based repayment but I still have credit card payments from expenses related to residency interviews and moving for residency. I also have 2 (small) car payments and just finished paying off my wife's emergency (minor) surgery from last year.

Oh yeah and I just dropped a bunch on the credit cards for my expenses related to licensing in Utah for my new job starting this summer (state, DEA etc). I'm supposed to be reimbursed for this but was told weeks ago that, essentially, "the check is in the mail" and still haven't seen a dime of that reimbursement.

Then I laugh that the residency is telling me now is the time to register to take my internal med boards which I think is going to be another$1500 or so.