at least another 14k worth of debt, a year less salary and contributions to your pension but an extra point or more (See below) when applying for junior doctor jobs.
(Should say that you're unlikely to ever pay off 5 years of debt though, so the 6th maybe not that important)
edit points score 5 points for degrees: 5 points for PhD, 4 points for Masters or 1st class Bachelors, 3 points for 2:1, 2 points for 2:2