This is pretty out of touch

Median debt for graduating med students is creeping north of the 200K mark.

The overwhelming majority of that is financed at standard federal interest rate levels ie 6-7%. Some grads have luck refinancing at a lowe rate down the line but this is becoming increasingly uncommon.

Couple that with basically having a 10 year lost period where you aren’t earning a regular salary, investing, or starting retirement savings, and the average 35 year old doctor is way behind the eight ball financially compared to their peers.

And to your last point - there are over 2 applicants for every seat in med school. There is no shortage of available pre-meds so redistributing this money to undergrads wouldn’t do a thing to impact the future number of doctors