High MBBS fees leaving many doctors in debt trap

高额的临床医学学费让许多医生陷入债务陷阱

NEW DELHI: High fees in most medical colleges means that students who have to take loans to pay it cannot hope to service the loans from what they earn as doctors after completing MBBS.

新德里：在大多数医学院，高昂的学费意味着，那些必须贷款来支付学费的学生，不可能指望在完成临床医学课程后，用医生的收入来偿清贷款。

图片来源：印度时报

Here’s how the math works.

以下是简单的计算。

Annual tuition fees in private medical colleges average over Rs 10 lakh. That’s half a crore rupees or more for the entire course when charges for things like hostel, mess, library, internet and examinations are included.

私立医学院每年的学费平均超过100万卢比。如果算上旅社、食堂、图书馆、网络和考试的费用，整个课程的学费还要再高上500万卢比，甚至更高。

The EMI on an education loan of Rs 50 lakh works out to at least Rs 60,000. Government salaries for an MBBS graduate range from Rs 45,000 to Rs 65,000 depending on the state and area. The private sector is even worse.

500万卢比的教育贷款，利息至少有6万卢比。根据各邦、各地区的不同，临床医学毕业生的公立医院的收入从4.5万卢比到6.5万卢比不等。私人医院的情况更糟。

This raises a question: The government is allowing the opening of more private colleges or allowing exsting ones to increase seats citing shortage of doctors, especially in rural areas and in primary health centres, but don’t high fees defeat the purpose? Can such doctors have a living wage after they pay the EMI? In most banks, education loans cannot exceed Rs 7 lakh to Rs 10 lakh without collateral, which typically would mean mortgaging a house or land. With collateral, the loan amount can be as high as the value of the collateral.

这就产生了一个问题：政府允许开设更多的私立大学，允许现有的私立大学以医生短缺为理由增加学位，但高昂的学费难道不是对这个目标一记沉重的打击吗?这些医生付完教育贷款后，还能维持生活吗?在大多数银行，无抵押物的教育贷款不能超过70至100万卢比，这通常意味着要申请足够的贷款，必须抵押房屋或土地。有了抵押品，贷款金额可以和抵押品的价值一样高。

Usually, the loan carries an interest of 10% to 12.5% and has to be repaid within 10 to 12 years. If education loans become prohibitive, it could make medical education the preserve of the rich.

通常，贷款的利息是10%到12.5%，并且必须在10到12年内偿还。如果教育贷款令人望而却步，那么医疗教育将成为富人的专利。

A TOI analysis of fees charged in 210 private medical colleges in 2017 showed that about 50 charged anything between Rs 10 lakh and Rs 15 lakh and over 30 charged even more. Several government colleges too charge high fees, especially in Gujarat and Rajasthan.

一项对2017年210所私立医学院校收费的分析显示，大约50所学校的学费集中在100万卢比和150万卢比之间，还有30所学校的收费更高。一些政府学院同样收取了高昂的学费，尤其是在古吉拉特邦和拉贾斯坦邦尤其如此。

After 4.5 years of MBBS, a student has to do a one-year paid internship, during which time his/her salary would be at best Rs 20,000-25,000 per month.

经过4.5年的临床医学的学习，学生需要做一年期的带薪实习，在此期间，他/她的月薪最多为2万至2.5万卢比。

After MBBS, whether a student is doing three-year post-graduation or working as a resident doctor or medical officer, the salary in government service ranges from Rs 40,000 to Rs 55,000 in most states and even less in the private sector.

在获得临床医学学士学位后，无论学生是毕业后继续学习三年的研究生课程，还是做住院医生或卫生干事，公立医院的薪水在大多数邦都在4万至5万5千卢比之间，在私人医院甚至更少。

In about three to four years, the salary rises to about Rs 70,000 at best in most places.

在大约三到四年的时间里，大多数地方的工资最多能涨到7万卢比左右。

With EMIs of Rs 45,000- 65,000 for loans ranging from Rs 30 lakh to Rs 50 lakh, doctors are left with barely enough to live on. For those who get married by this stage, the added responsibility of running a household complicates matters further.

300万卢比到500万卢比的教育贷款，利息可达45000卢比到65000卢比，医生只能勉强维持生计。对于那些到了这个阶段才结婚的人来说，维持家庭生计的额外负担使生活变得更加艰难。

India’s medical education is becoming a debt trap for thousands with governments doing little to regulate medical college fees. Even in states with fee regulation, the annual fees in private colleges could range from Rs 2.5 lakh to over Rs 6 lakh, especially for management seats.

印度的医学教育正成为成千上万人的债务陷阱，政府在管理医学院费用方面几乎无所作为。即使在实施收费管制的邦，私立大学的年费也可能达到25万卢比至60万卢比。

For those without means, that would entail a loan of Rs 12 lakh to Rs 30 lakh and hence unaffordable EMIs.

对于那些没有条件的人来说，这将需要一笔120万卢比到300万卢比的贷款以及难以负担的教育贷款利息。

印度时报网友评论：

原创翻译：三泰虎  http://www.santaihu.com/45626.html 译者：Joyceliu

外文：https://timesofindia.indiatimes.com/india/high-mbbs-fees-leaving-many-doctors-in-debt-trap/articleshow/65086573.cms

sreader

Unless this fees comes down drastically the meducal costs in India will remain high. It is owing to these high fees and dinations that the medicine is no longer a Noble Profession BUT a Money Minting Business.

除非这个学费大幅降低，否则印度的医疗成本将居高不下。正是由于这些高昂的费用，医生不再是一种崇高的职业，而变成了一种敛财的生意。

Da Da - 2 hours ago -Follow

Initially pass out MBBS Doctor gets between Rs 10000-15000 whereas intial appintment of Peon get above Rs 25000 in Govt offices.Therefore it is advise Govts at states and centre in r/o those students get above 90% marks in 12 th standard must be given free medical education so that we will have best doctor unlike today when some studetns from reserve Catagory getting 20-40% marks in entrance exam denying other students getting 90% above.

刚刚获得临床医学学士学位的医生，收入在10000到15000卢比之间，而在政府部门雇工的收入在25000卢比以上。因此建议政府应该给予成绩达到90%优秀的学生享受免费医学教育，这样我们才能有最好的医生。不像现在有些学生通过预留制度得到选拔，入学成绩只有20-40%，却把90%优秀的学生排挤掉了。

Vipul - New Delhi - 38 mins ago -Follow

Here government has nothing to say about this money minting market... But they have problems when doctors starts earning... I hate Indian politics and mentality of people

政府对这个领域的敛财行为无能为力……但当医生开始挣钱时，他们就有问题了。我讨厌印度的政治和人民的心态。