In the previous essay I provided some background about the education debt crisis. I discussed among other things, widening income disparities in this country by occupation, education and by age. In parallel, college tuition has increased much faster than family income. Furthermore, changes introduced by the federal government in support of funding through guaranteed loans rather than through grants have accentuated the debt management by college students, medical students, and physician trainees. In the discussion I delve into detail, especially in relation to medical education and the plight of residents. As measured in constant dollars, medical school costs have increased in the past 10 years by 50 % in private schools and 133 % in public schools. In the last 5 years the rate of increase has become steeper with each successive year. At public institutions, prices charged now are more than double the cost of education. To some degree, scholarships and grants can overcome part of the funding deficits in medical school education, and in fact, currently 27 % of the cost of tuition in both public and private institutions is covered by these grants.