Many things can happen in the medical profession and being a medical student or doctor can be risky. Malpractice lawsuits have determined the future of doctors' faith when it comes to the practice of medicine. For example, every doctor and medical trainer must be insured to cover the costs of any accidents that occur during their practice. However, reasons such as the pay that residents receive while working in teaching hospitals are considered very low (AAMC, 2013). Most teaching hospitals gross about 200 million a year, and residents only get 40 to 50 thousand a year, which isn't a bad start. But with medical students coming straight out of medical school, expenses can be challenging, and paying off student loans can also be a challenge. The government has adopted and is still adopting ways to reduce costs for medical students and residents, which involves modifying some existing ones