Last Updated:
A 28-year-old general surgeon burdened with nearly ₹2 crore in loans turned to Reddit for financial advice. His emotional post sparked support and practical tips online
A 28-year-old revealed that he is burdened with nearly ₹2 crore in debt despite spending over a decade studying medicine (Image-AI)
“I don’t think any family will be willing to marry their daughter,” wrote a 28-year-old general surgeon as he opened up about being weighed down by nearly ₹2 crore in loans.
Describing himself as a first-generation doctor, the surgeon recounted the long and difficult journey that led him to his current situation. According to his post, his father insisted that he pursue an MBBS degree by taking an education loan.
After spending 6.5 years completing his undergraduate studies, including losing a year due to delayed fee payments, he said he was offered salaries of only ₹25,000-30,000 per month by several hospitals despite demanding work schedules involving five-day, 24-hour duties.
The struggle did not end there. The doctor shared that he later attempted the postgraduate entrance examination but was unable to secure a rank high enough for a government medical college. As a result, he took another loan to pursue postgraduate studies at a private institution, claiming he was pressured into joining.
Now, after more than a decade of studying and accumulating debt, he says the financial pressure has become overwhelming. He listed his liabilities, including an education loan of ₹69 lakh, which will require an EMI of ₹78,000 per month starting next August.
In addition, he owes approximately ₹4-5 lakh in credit card debt, ₹15 lakh borrowed from a family member, ₹11 lakh borrowed from a neighbour, and ongoing home and car loan repayments amounting to ₹95,000 every month.
The doctor added that after a year, the primary earning members of his family will be himself, with an expected monthly income of ₹1-1.5 lakh, and his sister, who earns around ₹78,000 per month. Reflecting on his situation, he wrote that after 11 years of struggle, he has been left with “fake pride being a surgeon with lot of loans to clear with no peace of mind.”
He also expressed concern about his personal life, saying that with such significant debt and no property in his name, he doubts any family would agree to marry their daughter to him.
The post quickly attracted widespread attention, with Reddit users offering a mix of encouragement, financial and marriage advice.
“Itna mat socho bhai.. sab ho jayega… or shadi hi zindagi me sab kuch nahi h.. news pe dhyan dena single rehne ka zyada motivation milega.. and since you have already completed PG, try to have multiple practices,” wrote one user.
Another commented, “Road is tough buddy. Scary to be honest. Mental health would be screwed but as a doctor you can sort this out. You are just starting there would be huge earning potential.”
Sharing a personal example, a third user said, “My husband comes from not a very well off background. He cleared 11 lakhs+ family loans + his education loan of 22 lakhs in 5 years with discipline and hustle. I know your number is much greater than his but you have a much better salary …so dont worry much and keep paying it off.your salary will increase with experience and loan will keep going down.”
Some users also suggested exploring better-paying opportunities abroad. “Go to gulf countries earn more you could see many nurses going there and earn pretty high,” one commenter advised.
Another user highlighted the long-term earning potential of doctors, writing, “Loads of potential my friend, you could start your own practice even. Once you are in a good place, I see a world of you being debt free within a few years or so, again depends on the total amount though.”
Doctors can manage large education debts by seeking financial advice, considering multiple practices, and liquidating non-essential choices. One user suggested that having multiple practices could provide motivation.
About the Author
A team of writers at News18.com bring you stories on what’s creating the buzz on the Internet while exploring science, cricket, tech, gender, Bollywood, and culture.
Read More
