We're unable to sign you in at this time. Please try again in a few minutes.
We were able to sign you in, but your subscription(s) could not be found. Please try again in a few minutes.
There may be a problem with your account. Please contact the AMA Service Center to resolve this issue.
Contact the AMA Service Center:
Telephone: 1 (800) 262-2350 or 1 (312) 670-7827  *   Email: subscriptions@jamanetwork.com
Error Message ......
Article |

The Debt and the Cash Flow of Residents: I. The Grim Present

Scott S. Berman, MD
JAMA. 1990;264(10):1247. doi:10.1001/jama.1990.03450100037006.
Text Size: A A A
Published online


To the Editor.—  The recent JAMA article about the effect of student loan indebtedness on resident cash flow1 and the Resident Forum2 that was published in the same issue address important issues facing today's house staff. Student loan indebtedness is a growing area of concern as the number of students who borrow and the amount of indebtedness at the end of medical school continue to increase. Careful examination of the model of Hernried et al1 reveals other stressful points. At many or most levels of indebtedness examined in the model, even eliminating loan payments as a yearly expense through deferment would not make up the cash-flow deficit for that year. This implies that annual stipends are not only inadequate to begin paying back loans, but also inadequate to meet annual basic living expenses.One alternative offered is to defer loan payments during residency. As the Resident


Sign in

Purchase Options

• Buy this article
• Subscribe to the journal
• Rent this article ?




Also Meets CME requirements for:
Browse CME for all U.S. States
Accreditation Information
The American Medical Association is accredited by the Accreditation Council for Continuing Medical Education to provide continuing medical education for physicians. The AMA designates this journal-based CME activity for a maximum of 1 AMA PRA Category 1 CreditTM per course. Physicians should claim only the credit commensurate with the extent of their participation in the activity. Physicians who complete the CME course and score at least 80% correct on the quiz are eligible for AMA PRA Category 1 CreditTM.
Note: You must get at least of the answers correct to pass this quiz.
Please click the checkbox indicating that you have read the full article in order to submit your answers.
Your answers have been saved for later.
You have not filled in all the answers to complete this quiz
The following questions were not answered:
Sorry, you have unsuccessfully completed this CME quiz with a score of
The following questions were not answered correctly:
Commitment to Change (optional):
Indicate what change(s) you will implement in your practice, if any, based on this CME course.
Your quiz results:
The filled radio buttons indicate your responses. The preferred responses are highlighted
For CME Course: A Proposed Model for Initial Assessment and Management of Acute Heart Failure Syndromes
Indicate what changes(s) you will implement in your practice, if any, based on this CME course.


Some tools below are only available to our subscribers or users with an online account.

0 Citations

Sign in

Purchase Options

• Buy this article
• Subscribe to the journal
• Rent this article ?

Related Content

Customize your page view by dragging & repositioning the boxes below.