Actually, I do have a solution recommendation.  Change the education system. Assuming you do everything right and you get into med school at 22, you'll graduate at 26. Then you start residency. The shortest residency is 3 years. So you can start earning "money" at 29. The doctors come out with a silly amount of student debt, that gets built into their rates, along with their shorter earning life span. If doctors started medical school when they are 18 and completed a program in 6 years, they could earn less but for longer and have less student debt. This how the Japanese do it, and they have better healthcare outcomes.