u/Bade_daaksaab

I'’m confused between two career/degree options and want to look at this purely from a financial/return perspective.

Option 1 = Paid degree

- ₹40 lakh total education loan over 3 years

- Years 1–3: studying, no income

- Year 4: ₹80k/month

- Years 5–10: ₹1.5 lakh/month

- Years 10–20: income gradually increases, potentially reaching ₹5 lakh/month

- ₹5 lakh/month is ceiling.

- But I’ll have the ₹40 lakh education loan + interest to repay.

Option 2 = Free degree

- No education loan

- Start earning ₹1 lakh/month immediately

- Years 1–5: ₹1 lakh/month

- Years 5–10: ₹1.5 lakh/month

- Years 10–20: gradually increases up to around ₹3 lakh/month

- After 20 years: maximum earning potential around ₹3.5-4 lakh/month

- No education debt.

If I consider total lifetime earnings, opportunity cost of the 3 years, loan + interest, and investing the extra income from Option 2, which option is financially better?

Basically, is the higher long-term earning potential of Option 1 enough to compensate for losing 3 years of income and taking a ₹40 lakh loan?

Took helped of ChatGPT to form proper message.

I'm getting an MD in medicine from a Private college for around 40 lakh in total, including everything. I will take a 13 lakh loan per annum. Stipend is around 30k per month.

But the patient load is very low. Almost negligible. 10-20 patients a day.

The good. The thing is I will get a lot of free time to study from books and marrow ss etc. But I am worrid about low clinical exposure.

Medicine is genuinely my dream branch. I can't think of myself outside medicine, maybe paediatrics. But getting only a diploma in paediatrics.

Do you think it's worth taking the seat despite the low patient load and loan burden?

Would especially like to hear from people who did MD Medicine from low-volume colleges.

Hey everyone.

I don't usually post, but I'm feeling really confused and could use some guidance.

I'm regularly scoring 120–125 in Grand Tests. Marrow, DAMS, Prep every platform. I just can't seem to break this plateau.

Last year, I got around 35k rank. This year, somewhere along the way, I feel like I lost direction.

I'm studying regularly, putting in the hours, and trying to stay consistent, but my scores aren't improving.

My biggest confusion is about what to revise now.

I have DVT notes that I've integrated thoroughly with PYQs, and I also have my main notes. I'm not sure which one should be my primary source at this stage.

I also have a few questions:

- Which notes i should focus on? Dvt or my handwritten notes?

- How many MCQs should I solve every day?

- How frequently should I take Grand Tests?

- If you've been stuck around this score range and managed to improve, what changed things for you?

Any advice would be greatly appreciated. Thanks in advance.

I'll be in Noida Sector 62 this Sunday because my friend has an exam from 8.30 AM to 11:30 AM. He'll enter the exam center around 8:00 AM, so I'll be free from about 8:00 AM to 11:30 AM.

I'm looking for a café or coffee shop nearby where I can sit for 3–3.5 hours, use my laptop, and preferably charge it. Good Wi-Fi would be a bonus, but it's not essential.

Any recommendations for quiet, laptop-friendly places in or around Sector 62? Also, if there are any coworking spaces that allow walk-ins for a few hours, I'd love to know.

Thanks!