re: 1 out of 4 bachelor degrees and nearly half of masters degrees have a negative ROI

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Medical field is too broad. If you want to become a cardiac surgeon, sure. If you want to be a primary care provider, you might find yourself making less money than an NP in some specialties. Again, like engineering, it depends.

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This is even more true for the legal field. There are lots of attorneys just scrapping by even in their 40s and that is rare for docs of any flavor. Biglaw is very lucrative if you can get there and make partner. First-year associates will make just under $250k and comp will increase yearly until they are making $550k currently for their 8th year. The partnership track is longer than it used to be (now 8-10 years) but making partner means $1m+ at most Biglaw firms.