Medical students are finding that even if they manage undergraduate loans, doing the same for medical school could be impossible.

More and more medical students making that exciting transformation of resident, to physician services provider, are struggling to pay hefty medical school loans.

“Six-figure student loans? Credit medicine for MDs,” an article that Thomson Reuters ran yesterday, stated that “currently-enrolled medical students have access to up to $40,500 per year in Stafford loans — federal loans awarded on a financial need basis — with a cumulative cap of $224,000. These loans are subsidized up to $8,500 per year of enrollment, meaning the government will pay the interest during your time in school and for the six-month grace period after graduation. Grad PLUS loans — government-guaranteed loans with a fixed interest rate — and private loans are also available, if needed, leaving no shortage of funding.”

The article breaks down debt, by explaining that the average annual salary range of patient care providers, who happen to be recent medical school graduates, falls anywhere between $70,000 and $90,000, while in 2010, the average salary of seasoned primary care physicians, practicing in the eastern part of the country, was nearly $195,000.

“There are some students who borrow more than $200,000 for their medical school education and if those students are going into primary care, than they are going to have a 2:1 debt-to-income ratio and they’re going to struggle to repay that debt,” said Mark Kantrowitz, publisher of finaid.org and fastweb.com.

“Borrowers need to find the best repayment solution for their needs. You don’t want to still be paying your student loans while your children are in college,” said Kantrowitz, in a comment, in which he advises medical students to utilize any tools that are provided by the schools, such as repayment tutorials or loan-centered seminars.