OK, so here is the deal: after about a year and a half, I'll embark on medical school, which is going to cost me about $200,000 USD (including living expenses). I have two options: take the loan for some/all of it, or use my savings to pay.
I talked to a financial adviser but he seemed to be full of **** (and charged $200), so I am kind of lost at this point. Right now, I've been working for the last five years while paying for my university, so I have some money saved up ($140k). While I am finishing up my classes over the next year or so, I have managed to get a part time consultant job which pays pretty well (approx. $50/hour, but actually close to $45/hour if you take away the cost of health insurance that I'll have to pay separately), and I'll be able to add about $50k to my savings before I start (which means I can cover all or almost all of my expenses).
My savings, over the last five years have been averaging about 10%, and the loans are 6%, so it looks good on paper, but with the economy in the shape that its in, and with recession potentially in the horizon, I have no idea if its still going to be good over the next eight-ten years (the length that I'd be out of the workforce). I could use advice from anyone with more knowledge than me on the financial side.