A fellowship can take another 1 to 3 years of training to complete, which of course pays less than a physician out of training. ... While some physicians want to jump straight into practice after residency, physicians who sub-specialize generally have higher incomes.Internships may be “paid” or “unpaid.” On the other hand Fellowships are offered generally to those at the graduate and post-graduate level. Many students consider fellowships as a way to augment their academic studies with the experience necessary to succeed in their chosen field.This is usually the first year of a training program and there are different types of internships. Residents are part of a training program after the internship. They are licensed to practice medicine but are learning a specialty. They work under the guidance of higher level residents and attending physicians.These salaries do not begin until a decade or so after the doctor graduates from college: All physicians spend four years in medical school (emerging with an average debt of around $170,000), and then spend three to eight years in residency and fellowship programs where they are earning salaries of $51,000 to $66,000,

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