Spending 4-5 years and close to $150,000 to get ND degree and not to get a job to survive and pay off those loans, paints a very scary picture. There should be more opportunities for graduates to get into residency programs. You are right they only have to work only 40 hours.Many of the graduates will love to work for 40 hours and get $25,000 in order to get some hands on experience, but there are not enough residency programs for the ND graduates.