There is no consensus on whether the level of debt carried by medical students has a strong effect on their choice of medical specialty. Dr. Herbert Pardes and others have suggested that medical school debt has been a direct cause of the US primary care shortage.  However, the amount of debt carried by medical graduates suggests the opposite. Students in more competitive specialties had significantly less debt on graduation, meaning that they weren't reliant on higher future compensation to repay loans. In 2016, 80% of family medicine residents graduated with debt, while only 74% of anesthesiology residents and 60% of ophthalmology residents graduated with any debt. The mean debt of students that did have debt entering family medicine residencies was $181,000, while the mean debt of those entering dermatology residencies was $153,000. 
Many of you reading this will already be above the “Magic 42/36” marks. So, should you aim for 45 per section? 50? In this instance, establish and track your baseline and performance company-by-company. Don’t gauge your performance by comparing scores across companies, because there will be too much variability. Not only does each test prep company attract a unique set of students, but the exams they create are at varying levels of difficulty. On one test section, you might answer 45 of 59 questions correctly and place in the 75th percentile. But on another test, a raw score of 45 out of 59 could translate closer to the 85th percentile.