He is choosing to live with a very high standard of living. He also could have gone into the feds rural dental/ortho program for 3 years in say rural Oklahoma like my brother in law did. Yes it’s a po-dunk town with no nice places to eat shop or live. But the feds/OKlahoma paid off a huge portion of his dental loans. Oh but would have meant he couldn’t live in a beautiful picturesque home overlooking the valley. Boo Hoo