is for 220,000, which is really nice but not top of the market. Then I worked some cover shifts in the offices, acute cares, etc. But after tithing and taxes we still had about 80,000 to put down on loans, while living off more than double what we had for residency. If your spouse is able, live frugal and get out of debt. If you get them under 100,000 that's great too, and you no need to hurry to pay those off if the interest rate is lower than your investment returns. If that makes sense