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PA VS MD Both paths start with a bachelor's degree. After that, a doctor spends four years in med school and three to seven in residency, often graduating with about $223,130 in debt (AAMC via Credible). A PA finishes a 27-month program and starts practicing right away (AAPA). PAs diagnose, treat and prescribe, earning six figures years before a doctor does. STEP 1: BUILD PATIENT CARE HOURS Most PA programs want 500 to 2,000 hours of hands-on patient care (International Medical Aid). Work as an EMT, earning about $36,710 in Austin, or as a medical assistant at about $37,210 (BLS). Start during college and you can apply right after graduation. STEP 2: PA SCHOOL Programs run about 27 months. Texas residents pay about $49,843 total at Texas Tech Health Sciences Center (International Medical Aid), against a national average of $98,075 (PAEA via SoFi).  STEP 3: LICENSE Pass the national PANCE exam and get your Texas license. Then you're practicing. WHEN YOU'RE DEBT-FREE After taxes and about 8% interest, here's the realistic timeline. A PA starting at 25 on $118,000 with $112,500 in debt can be debt-free by about 30, putting roughly $2,100 a month toward loans (The PA Life). An MD finishes residency around 29 owing about $265,000, because interest keeps growing during training on a $68,166 resident salary (AAMC via Credible). Starting at $287,000 in primary care and paying about $5,000 a month, the MD is debt-free around 35 (Medscape via The PA Life). The PA gets a five-year head start, but the doctor's higher pay pulls ahead in total wealth by the mid-30s. THE PAYOFF Entry-level PAs in Austin earn about $111,830 (BLS). Experienced PAs earn up to $157,840, and emergency medicine PAs earn a median $155,070 (AAPA). The PA wins the first decade. The MD wins the long game, if you're sure medicine is your calling and can wait until your 30s to get ahead. Did your career counselor ever mention this? SOURCES BLS OEWS May 2025 (Austin), AAPA, AAMC, PAEA, Medscape, International Medical Aid, Credible, SoFi, The PA Life Follow @bigbrofin for faster, cheaper paths to great careers. #physicianassistant #premed #healthcareers #financialliteracy #bigbrofin
PA VS MD Both paths start with a bachelor's degree. After that, a doctor spends four years in med school and three to seven in residency, often graduating with about $223,130 in debt (AAMC via Credible). A PA finishes a 27-month program and starts practicing right away (AAPA). PAs diagnose, treat and prescribe, earning six figures years before a doctor does. STEP 1: BUILD PATIENT CARE HOURS Most PA programs want 500 to 2,000 hours of hands-on patient care (International Medical Aid). Work as an EMT, earning about $36,710 in Austin, or as a medical assistant at about $37,210 (BLS). Start during college and you can apply right after graduation. STEP 2: PA SCHOOL Programs run about 27 months. Texas residents pay about $49,843 total at Texas Tech Health Sciences Center (International Medical Aid), against a national average of $98,075 (PAEA via SoFi). STEP 3: LICENSE Pass the national PANCE exam and get your Texas license. Then you're practicing. WHEN YOU'RE DEBT-FREE After taxes and about 8% interest, here's the realistic timeline. A PA starting at 25 on $118,000 with $112,500 in debt can be debt-free by about 30, putting roughly $2,100 a month toward loans (The PA Life). An MD finishes residency around 29 owing about $265,000, because interest keeps growing during training on a $68,166 resident salary (AAMC via Credible). Starting at $287,000 in primary care and paying about $5,000 a month, the MD is debt-free around 35 (Medscape via The PA Life). The PA gets a five-year head start, but the doctor's higher pay pulls ahead in total wealth by the mid-30s. THE PAYOFF Entry-level PAs in Austin earn about $111,830 (BLS). Experienced PAs earn up to $157,840, and emergency medicine PAs earn a median $155,070 (AAPA). The PA wins the first decade. The MD wins the long game, if you're sure medicine is your calling and can wait until your 30s to get ahead. Did your career counselor ever mention this? SOURCES BLS OEWS May 2025 (Austin), AAPA, AAMC, PAEA, Medscape, International Medical Aid, Credible, SoFi, The PA Life Follow @bigbrofin for faster, cheaper paths to great careers. #physicianassistant #premed #healthcareers #financialliteracy #bigbrofin

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