Depressingly, he or she can be in his late 20's or early 30's. I was born in '77 (so, I was only 10 when all of that was going on) and have friends I graduated with who are MD's. How much longer does it take to get a PhD. I could easily have a masters by now.
No, ark_girl . . . it is he and I had my first master's before you were born.