Amongst my peers there's a sense of urgency. Travel now, have fun now, while you STILL CAN. (imagine maniacal laughter inserted here). We all have a fear that after this summer, our last summer off, we will never be able to have fun again because we will be working all hours god sends and we won't have any vacation time. Whether this is true or not is probably dependent on your specialty and how much you're willing to sacrifice to take time off and travel and do all of those other things, but it is true, this is probably the easiest time to do it. Unfortunately, this is also the time when we all have no money.
It is true, any bank here will give you a loan if you say you're a med student. Some of my friends have lines of credit that extend up to a quarter of a million dollars. A QUARTER OF A MILION!!!! But, do I want to pay later for the fun I'm having now? How long will I be working to pay off the fun I have now? Lots of people in my class are going travelling this summer on their loan money. I am lucky. I don't currently have any loans. My parents have worked hard to ensure that I can graduate without debt. But, now I'm heading into a summer where I'm not going to make any money and I want to do some fun things. I'm struggling with whether to take out a small loan or not. It sounds silly, but, what if my parents are disappointed that they did all that work to put me through med school just for me to go off and take out a loan to travel? Is it all worth it in the end for the life experience of one last summer of freedom?