"The median four-year cost of medical school (including expenses and books) was $278,455 for private schools, and $207,866 for public schools in 2013 according to the Association of American Medical Colleges.

"According to the College Board, the average cost of tuition and fees for the 2016–2017 school year was $33,480 at private colleges, $9,650 for state residents at public colleges, and $24,930 for out-of-state residents attending public universities."

Looks like the costs to become a doctor in the US could easily exceed $300,000. One of my nieces is now in her second year of internship. Her costs, including the value of the many scholarships she received, exceeds $300,000. She can work some of it off by putting in ten years of 501c3 practice.

Looking at the accrued interest that piles up on student debt and the $15,000-$30,000 annually that many US doctors have to pay for malpractice insurance, one could see how Finnish doctors could work for substantially less.