印网友热议: 高额的临床医学学费让许多医生陷入债务陷阱

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 existing 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：政服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。一些政服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，政服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，而在政服部门雇工的收入在25000卢比以上。因此建议政服应该给予成绩达到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

政服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。

 

Amdavad - Ahmedabad - 1 hour ago -Follow

Fees of sc st candidates paid by government in private medical colleges. So now only rich or reserved can be a doctor but poor and middle class general catagory students have to suffer most.

私立医学院中表列种姓学生的学费由政服支付。因此，现在只有富人或预留人才才可能成为医生，而穷人和中产阶级的普通学生必须承担极大的痛苦。

 

Myviews - 33 mins ago -Follow

Pvt medical clg fees are as high as 18-20 lakhs per year (total 90 lakhs) without management... management seats in range of 2 crore...Thus pvt colleges are filled with only rich dumb students & thus, pvt clg doctors are worthless & danger to society.

私人医疗的费用每年高达180-200万卢比(总计900万卢比)…因此，私立大学里充斥着有钱的笨学生，因此，私立医院的医生对社会毫无价值，十分危险。

 

Engineer - 35 mins ago -Follow

Wonder such a serious real concern was never raised by anyone in the recent

Parliament session.

奇怪的是，在最近的议会会议上，竟然没有人提出这方面的问题。

 

Aadhu - 38 mins ago -Follow

Thank God for this article! Atleast now some will realise the plight of genuine doctors. Yes, definitely it has become a degree only for the rich! After the struggle in MBBS reaches an end after 1 year of compulsory rural internship the real struggle starts for getting a PG seat. Many doctors who are over 25 or reaching 30 are still living with the parents' pocket money as they would be preparing for a PG seat of their choice in a govt college.
The stipend / salary mentioned as 60k is seen only in northern India and nowhere in south. Everybody says doctors are money mongerers...but there are few hundred thousands silently suffering with financial burden on their shoulders..and that includes every doctor from a middle class family.

感谢神，让这篇文章报道出来！至少现在有些人开始意识到医生的真正困境。是的，它绝对已经变成了富人的学位!在经历了一年的农村强制实习后，临床医学的竞争终于结束，真正的奋斗开始了。许多25岁以上或30岁以上的医生还是得靠父母的零花钱生活。

文中提到的6万卢比的津贴/工资只在印度北部才有，印度南部是没有的。每个人都说医生是金钱贩子……但是有几十万人默默忍受着肩上的经济负担。出身中产阶级家庭的医生也是如此。

 

Dubai Guy - 51 mins ago -Follow

MCI is yet another MAFIA that controls the 1.3 Bilion people of the Indian subcontinent. A country with such a poor record on health care is just restricting the no. of doctors to get cleared. The people of India are under siege.

执业医师资格考试是另一个控制着印度次大陆13亿人口的黑手党。一个在医疗保健方面如此糟糕的国家严格控制医生的数量。印度人民困难重重。

 

Anonymous - 1 hour ago -Follow

Why not give give loan from govt . treasury
for Rs.50lakhs on admission at Medical college and write off this amount after 5 years on completion of M B B S/BDs course as govt writes off loans every year in cases of farmers .

为什么政服财政部不提供贷款呢?

获得医学院的入学通知，可以申请500万卢比的贷款，并在完成临床医学学士或研究生学位后5年内豁免这一数额，因为政服每年都会为农民豁免贷款。

 

Rakesh Goel - ncr - 1 hour ago -Follow

Medical profession is not as lucrative from earning point as it look from out side. Specialty to bear the cost of education from private college and hope to repay by earning is serious debt trap. For a loan seeker from lower and middle class it may prove death trap. Second the degrees from such medical colleges are not getting it''s due recognition and always have question on quality of education given by them.

从收入来看，医疗行业并不像外界看起来那么风光。这些专家承受了民办高校的教育成本，希望通过收入偿还严重的债务陷阱。对于来自中低收入阶层的贷款者来说，这可能是一个致命的陷阱。其次，这些医学院的学位并没有得到应有的认可，学校所提供的教育质量也存在质疑。

 

H Tej - 4 hours ago -Follow

Salaried doctors earn less and should go in private practice.Salaried service are for dumb doctors who got admission by money only and not by knowledge.

领薪水的医生挣得少，应该去私人诊所。领薪水的应该是那些用钱买执照、没有医学知识的愚蠢的医生。

 

Shrinivas - 1 hour ago -Follow

But in medical education it doesn't end with MBBS. MD or MS follows.Now even that is not enough.Students have to do DM or MCH.This entire from private institute comes to 6 to 7.5 Crores.

但在医学教育中，临床医学并不是重点，接下去还有医学研究生和博士。现在，这还不够。私立学校的总学费可高达6000-7500万卢比。

 

Yogesh Sharma - Location - 49 mins ago -Follow

The government should opnen atleast one good medical college in every district of the country with 100% hostel facility for students and staff to face this problem.

政服应该在全国每个地区设立至少一所好的医学院，为学生和员工提供100%的宿舍设施，以解决这一问题。

 

Bhupinder Pal Pal - 53 mins ago -Follow

Fo you think people are fool?. Most of the students in these colleges are incompetent children of doctors or corrupt govt employees who already have tonns of money with them.
Yes, some genuine children who miss due to dirty reservation system are also trapped but the number is very small.

你觉得人们都是傻瓜吗?这些大学里的大多数学生都是不称职的医生，或是有钱腐败的政服雇员的孩子。

是的，也有一些真正的孩子因为恶心的预留制系统而错过机会了，但是这个数字非常小。

 

Ramu Ramakesavan - chandler - 1 hour ago -Follow

I don''t understand why more medical colleges cannot be opened. There is enough patients needing care in India. I think it is organized crime by politicians to raise money for election by reducing supply

我不明白为什么不能开设更多的医学院。在印度需要治疗的病人多不胜数。我认为政客们通过减少供应来为选举筹集资金是有组织的犯罪。

 

Vineet - 1 hour ago -Follow

Felt good that MEDIA has taken this social issue to raise on the national news. School fees college fees is now becoming difficult to cover to get a quality education.
TV news anchors Arnab, Barkha etc should cover this kinda social issues of education, health, hygine etc instead useless political issues every time.

媒体把这一社会问题报道成了全国新闻，我感到很高兴。为了获得高质量的教育，大学学费现在高得难以负担。

电视新闻主播等应该报道这类社会问题的教育，健康，卫生等，而不是无用的政治问题。

 

Abhi - 1 hour ago -Follow

most private colleges in Maharashtra run by thugs like dy Patil & Sharad Pawar

马哈拉施特拉邦的大多数私立大学都是由迪·帕蒂尔和莎拉德·帕瓦尔这样的暴徒管理的

 

Yuvraaj S. - 3 hours ago -Follow

Some medical colleges administration charge 55 to 75 lakhs along with the high fees .
This was asked by dypatil Pune ,crazy ppl exploiting innocent students and parents .
Hope God teaches management a lesson

一些医学院的管理费用高达550到750万卢比。

这是普纳要求的，疯狂的剥削无辜的学生和家长。

希望神能给管理部门一个教训。

 

neeraj srivastava - 3 hours ago -Follow

Competition is high for general category so quality of students are high in these colleges

普通大学的竞争非常激烈，所以这些院校的学生素质较高

 

Sambha Slayer - 4 hours ago -Follow

Dont worry, medical reps bribe most of these doctors and their private practice which is tax free fetches them lakhs of undeclared income so FAKE article. Good try toilet paper!

不用担心，医疗代表贿赂了这些医生和他们的私人诊所，免税政策为他们带来了大量的未申报的收入，所以这篇文章说的都是假的。当厕纸倒是不错!

 

Tom and Jerry - Mumbai - 25 mins ago -Follow

What about the unholy relationship between doctors and diagnostic centres. Tests are prescribed without any need and the exorbitant fees are shared between doctors and the centers, all at cost of middle class who neither have govt subsidy like poor or can pay like the rich. Dont portray doctors as victims.

那么医生和诊断中心之间不纯洁的关系呢?病人被要求做一些没必要的检查，医生和医疗中心共享了高额的诊疗费用，这些都是以中产阶级为代价的。中产阶级既没有像穷人那样能享受到政服补贴，也不像富人那样财大气粗。请不要再把医生描绘成受害者。

 

Balbhadra Dhagat - Bhopal - 27 mins ago -Follow

Barring the lone Medical College of Adani, which is on Corporate Model, rest all Private Medical Colleges are run by ''not-for-profit'' Trusts. But in reality, they are all blatantly minting black-money in collusion with Regulators. Barring few exceptional Private Medical Colleges, less one talks about the quality of education in rest, the better!

除了阿达尼医学院，所有的私立医学院都是由“非盈利”信托基金管理的。但实际上，他们都公然与监管机构串通一气，敛收黑钱。除了少数优秀的私立医学院之外，很少有人会谈论其他私立学校的教育质量，这样更好!

 

Bharath - 37 mins ago -Follow

yes it's true.. govt supports private colleges cos it's run by the politicians... and they ask us to do bond for one year paying very small renumeration.... getting pg seat is another problem in govt colleges n we can't think of private colleges as it is tooo costly out runs in crores...

是的，这是真的…政服支持开办私立大学，因为这些私立学校都是由政客经营的。他们要求我们实习一年，支付很少的报酬 ....获得研究生学位是公办学校的另一个问题，我们无法想象私立大学，因为学费实在是太昂贵了，高达千万。

 

Proud To Be An - Hindustan - 56 mins ago -Follow

Reservation and quota should go. Drs give money and get admission in Medical Colleges by paying money and this corrupt practice continues.

预留制和配额制应该取消。医生通过支付学费获得医学院入学许可，这种腐败行为仍在继续。

 

Viraj Shah - 57 mins ago -Follow

Thank you so much for bringing this to light. But i feel our country and givernment is so busy with big issues that they wonâ t bother only to look at this. Doctors are beaten up so easily these days. And medical education has become like a business in our country. Nobody wants to think about the young aspiring doctors or the future of India. Itâ s a sad true fact:(

非常感谢你把这件事公之于众。但我猜我们的国家和政服正忙着处理大问题，他们不会关心这些小事。现如今医生很容易挨打。医学教育在我国已成为一门生意。没有人愿意为这些年轻有为的医生或印度的未来做考虑。这是一个可悲的事实

 

Nasir Khan - 1 hour ago -Follow

High fees in MBBS is paving way to corruption. Doctors sending petiant for unnecessary medicall test and making fat bills burden on public.

临床医学的高学费是在为腐败铺路。医生安排病人去做不必要的医疗检查，让公众背上天价账单的负担。