I see several different chiropractors, and I've known a few personally. The ones who own their own business, are good business managers, that's why they've succeeded. I know a father & son who work for the same small chiropractic firm. They do have a lot of student loan debt initially and some may still be paying it off after many, many years. The debt accrues interest which is a very tricky situation.

It is possible to inherit a parent's debt, if they put you in their will. Whatever she leaves you in her will could be taken away by creditors.