How long does it take to become a doctor after high school?
Becoming a doctor takes 11 years after high school at the minimum, and 12 to 14 years in most higher-paid specialties. BLS describes the path as a bachelor's degree, a medical degree that “takes an additional 4 years to complete”, and 3 to 9 years in internship and residency.[ooh_phys] The residency part is set by each specialty's ACGME program requirements, which we read for every specialty below.[acgme_fm][acgme_surg][acgme_cardio]
| Specialty | Residency (years) | Total after high school | Median pay after training |
|---|---|---|---|
| Family medicine physician | 3 | 11 years | $244,180 |
| General internal medicine physician | 3 | 11 years | $256,560 |
| Pediatrician (general) | 3 | 11 years | $210,040 |
| Emergency medicine physician | 3–4 | 11–12 years | $335,550 |
| Psychiatrist | 4 | 12 years | $281,870 |
| Neurologist | 4 | 12 years | $248,560 |
| Obstetrician-gynecologist (OB-GYN) | 4 | 12 years | $292,910 |
| Pathologist | 4 | 12 years | $312,400 |
| Anesthesiologist | 4 | 12 years | $391,490 |
| Dermatologist | 4 | 12 years | $328,730 |
| Ophthalmologist | 4 | 12 years | $300,080 |
| Radiologist | 5 | 13 years | $420,860 |
| General surgeon | 5 | 13 years | $414,010 |
| Orthopedic surgeon | 5 | 13 years | $358,550 |
| Cardiologist | 6 | 14 years | $496,010 |
Residency includes any required first clinical year. General surgery pay is the BLS “surgeons, all other” group, which includes general surgeons. Cardiology is 3 years of internal medicine plus a 3-year fellowship.
How long is medical school?
Medical school is four years for both the MD and the DO degree, after a four-year bachelor's degree.[ooh_phys] The first two years are mostly classroom and lab science and the last two clinical rotations in hospitals and clinics. Getting in adds its own steps: the MCAT (standard registration $360) and the AMCAS application ($180 for the first school, $48 for each additional one in the 2027 cycle).[aamc_mcat][aamc_amcas] What those four years cost, and the federal loan limits that apply from July 1, 2026, is worked out on how much medical school costs.
How long is residency?
Residency lasts three years in family medicine, internal medicine and pediatrics, four in psychiatry, neurology, OB-GYN, pathology, anesthesiology, dermatology and ophthalmology, and five in general surgery, orthopaedic surgery and diagnostic radiology.[acgme_fm][acgme_im][acgme_peds][acgme_psych][acgme_neuro][acgme_obgyn][acgme_path][acgme_anes][acgme_derm][acgme_ophth][acgme_surg][acgme_ortho][acgme_rad] Emergency medicine programs run 36 or 48 months.[acgme_em] Neurological surgery is the longest at 84 months, seven years including a chief residency year; the full path is on neurosurgeon salary.[acgme_ns] Radiology, one of the five-year fields, is worked through step by step, with board exams and costs, on how to become a radiologist.
- Some programs need a separate first year. Dermatology is 36 months but requires a broad clinical year first; 36-month anesthesiology and 48-month radiology programs also require a prior clinical year. Either way the total is four or five years.[acgme_derm][acgme_anes][acgme_rad]
- Fellowships come on top. Subspecialty training after residency usually adds 1 to 3 years.[ooh_phys] Cardiology is the clearest case: a 36-month fellowship after a 36-month internal medicine residency.[acgme_cardio]
- A residency is won through the Match. The 2026 Main Residency Match offered 41,126 first-year positions; 93.5% of U.S. MD seniors and 93.2% of U.S. DO seniors matched to one.[nrmp]
Example: the anesthesiology path
It takes 12 years after high school to become an anesthesiologist: 4 years of college, 4 of medical school and a 4-year residency.[acgme_anes] ACGME accredits anesthesiology programs in 48-month and 36-month formats; the 36-month format requires a separate 12-month clinical year first, so both take four years. Anesthesiologists then earn a median of $391,490, among the highest of any specialty; see anesthesiologist salary for pay by state.[onet_anes]
What residents earn while they train
Residents are paid a salary, called a stipend, of about $68,000 in the first year, rising by $2,300 to $4,300 a year with each training level.[aamc_stipend] The AAMC's survey of stipends as of July 1, 2025 gives these means and medians:
| Year | Mean | Median | Running total (mean) |
|---|---|---|---|
| PGY-1 | $68,166 | $66,986 | $68,166 |
| PGY-2 | $70,499 | $69,430 | $138,665 |
| PGY-3 | $73,301 | $72,000 | $211,966 |
| PGY-4 | $77,593 | $76,000 | $289,559 |
| PGY-5 | $81,807 | $79,941 | $371,366 |
| PGY-6 | $84,744 | $83,031 | $456,110 |
So a 3-year family medicine residency pays about $211,966 in total and a 5-year surgery or radiology residency about $371,366, before tax.[aamc_stipend] The home page lists doctor salary by specialty for the pay that follows.
Does a longer residency pay off?
Yes for most specialties: the extra training years cost pay, but the higher salary recovers it within a few years. The table compares each specialty with a family physician who finished a 3-year residency and earns the family medicine median of $244,180 during the extra years, while the other doctor is still on a resident stipend.[onet_fm][aamc_stipend]
| Specialty | Extra training years | Pay given up | Median pay premium per year | Years of practice to recover |
|---|---|---|---|---|
| Psychiatrist | 1 | $166,587 | $37,690 | 4.4 |
| Anesthesiologist | 1 | $166,587 | $147,310 | 1.1 |
| Dermatologist | 1 | $166,587 | $84,550 | 2.0 |
| Radiologist | 2 | $328,960 | $176,680 | 1.9 |
| Cardiologist | 3 | $488,396 | $251,830 | 1.9 |
Nominal dollars, no taxes, raises or interest. Medians differ a lot by state; check a specific offer with the calculators on each salary page.
Training years also change the loan bill, because interest runs while a resident pays little or nothing. Set the residency length in the calculator to see the effect.
How training length changes your loan payment
Loan mathWhat the balance grows to during residency and the monthly payment once you earn an attending salary.
$215,000 at 8.07% · 3 training years · 10-year payoff
$3,189 a month after training
That is 21.3% of take-home pay on $244,180 (single filer, 2026 federal tax and FICA) · total interest $167,638
| Balance at graduation | $215,000 |
|---|---|
| Paid during training ($0/mo) | $0 |
| Owed when training ends | $267,052 |
| Unpaid interest in that balance | $52,052 |
| Total repaid | $382,638 |
Simple interest on principal; unpaid interest is paid first and not capitalized. Income-driven plans, forgiveness and refinancing are not modeled.
Estimate, not a job offer. Arithmetic on your inputs. Income-driven repayment, Public Service Loan Forgiveness and refinancing change the answer; check studentaid.gov or your servicer.
Frequently asked questions
How long is medical school?
Four years for an MD or DO, after a four-year bachelor's degree.
How long is residency?
Three to seven years: 3 in family medicine, internal medicine and pediatrics, 4 in psychiatry or anesthesiology, 5 in surgery or radiology, plus any fellowship.
How many years of residency does a doctor need?
At least three (family medicine, internal medicine, pediatrics) and up to five for surgery or radiology; cardiology takes six including the fellowship.
Do residents get paid?
Yes. The mean first-year stipend was $68,166 on July 1, 2025, AAMC.
Sources
- Occupational Outlook Handbook: Physicians and Surgeons
- ACGME Program Requirements for Graduate Medical Education in Family Medicine (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Internal Medicine (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Pediatrics (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Emergency Medicine (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Psychiatry (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Neurology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Obstetrics and Gynecology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Anatomic and Clinical Pathology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Anesthesiology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Dermatology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Ophthalmology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Diagnostic Radiology (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in General Surgery (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Orthopaedic Surgery (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Cardiovascular Disease (internal medicine subspecialty) (Requirement 4.1, length of program)
- ACGME Program Requirements for Graduate Medical Education in Neurological Surgery (Requirements 4.1 and 4.11: 84-month program, PGY-1 fundamental skills year, 54 months of clinical neurosurgery, 12-month chief residency)
- Results and Data: 2026 Main Residency Match
- AAMC Survey of Resident/Fellow Stipends and Benefits, 2025 report (stipends as of July 1, 2025)
- MCAT Scheduling Fees ($360 standard registration)
- Certifying and Submitting Your AMCAS Application (2027 AMCAS fees)
- Local Wages: 29-1215.00 Family medicine physician (national, state and metro percentiles)
- Local Wages: 29-1211.00 Anesthesiologist (national, state and metro percentiles)