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Home » I Feared $500K in Med School Debt Would Stop Me From My Dream Career
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I Feared $500K in Med School Debt Would Stop Me From My Dream Career

EditorBy EditorOctober 26, 2026No Comments5 Mins Read
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This as-told-to essay is based on a conversation with Nikita Chernetskii, a medical school student at New York University’s Grossman School of Medicine. It has been edited for length and clarity.

I’ve wanted to be a doctor since I was a little boy. In Moldova, where I was born and raised, you apply to medical school right after finishing high school. As I was applying for medical schools, my parents won the green card lottery, giving our family the chance to come to the US.

Suddenly, I had a huge choice in front of me. Do I take the chance to go to the US, or keep pursuing my dream? I’d always been raised on the idea that the American dream was alive and well. I was also young and naive: I thought I could just apply to medical school once I got there.

I’ll never forget landing at JFK in August with my parents and sister, who was in fourth grade at the time. I’d never seen a building taller than nine stories, and suddenly I was looking at the Manhattan skyline. It was surreal. I can still remember the smell as we left the airport, of hot asphalt and summer in the city.

I felt like I was in limbo, seeing my friends chase their dreams

Living in the US was a shock, to put it mildly. New York was so, so different from the rural area of Moldova where we’d lived. I’d gone to an English-speaking high school, but it was set up according to old Soviet standards. Once I was in the US, I realized that I’d been taught English for people who would never speak English: my grammar was excellent, but my vocabulary was very limited.

I knew life wouldn’t wait for my dreams. My dad and I started working as porters, making about $500 a week. Part of the job was taking out the trash to the dumpster, but I was pretty happy doing that. The pay was more than I would ever make in Moldova.

I realized that going to med school in the US wasn’t realistic. I didn’t have the money and didn’t understand how college worked here. That sent me into a period of limbo. I would work and save money just to go visit friends in Moldova. I saw them moving toward their goals, while my life stayed the same. Psychologically, it wasn’t the greatest time for me.

Joining the military reaffirmed my desire to be a paramedic

On one of those trips home, a friend suggested I join the military. Within a month, I was marching in basic training. My poor English meant I couldn’t always understand the directions. I just ran where the other recruits ran, and hoped it was right.

I scored well enough on my aptitude test to become a medic. The work was so fulfilling to me, and helped me cope with the rushed decision to join the military in what was still a foreign country to me.

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Nikita Chernetskii with wife

Nikita Chernetskii is now chasing his American dream. 

Courtesy of.Nikita Chernetskii



I was deployed in Germany when the pandemic hit. I’d work 24-hour shifts, sleep for four hours, and get back to it. That’s when others started telling me I should become a doctor. I realized that desire was still burning inside me, and I wouldn’t be able to sleep well if I didn’t at least try.

I leaned on every connection I had to help get into med school

I used the GI bill to pay for college. While I was there, I was accepted into the New York University internship program that pairs aspiring doctors with faculty. I worked with a trauma surgeon at Bellevue Hospital and knew I wanted to spend my life doing what he did.

When it came time for me to apply to medical schools, I knew I needed to be at NYU. I shook all the trees I could. I had no shame and asked anyone for help. The whole process was so stressful that it was almost a blur to me.

The idea of taking on half a million dollars in debt for medical school was frightening. I think I would have done it, but it would have meant delaying other goals, like having children with my wife.

This year, when I was accepted to NYU’s Grossman School of Medicine’s three-year, tuition-free medical program, it was surreal. When I dreamed of practicing medicine as a boy, I thought I’d be making $300 a month doing old Soviet techniques. Now, I’m learning cutting-edge science that feels like it’s plucked from a sci-fi movie. I’m the happiest I’ve ever been in my life, and I’m well on my way to my American dream.



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