Here at least, there is a contingent of medical (and other) students with no debt. Boston-Cambridge is a gravity center for old money. It's astonishing how many >$100k cars you see. It's the PE folks making a killing here, not working stiffs like doctors, but at least career physicians can afford to live here (barely, but their pay must be high enough for them to be here, by necessity. When you need a doctor you need one nearby.) Resident salaries are, of course, terrible, and I have no idea how they live here without being independently wealthy. School housing?