Plain-English guides written for physicians and dentists — no jargon, no sales pitch. Start with the basics, then go deep on the 2026 rules, forgiveness, and refinancing.
Federal vs private, Grad PLUS, how interest capitalizes, and what actually happens to your loans during residency. The map before you pick a route.
Read the guide → 2026 rules · 7 minRAP replaces the old income-driven plans, SAVE/PAYE/ICR are sunsetting, and Grad PLUS is gone. What it means and the dates that matter.
Read the guide →Qualifying employers, the certification step most residents miss, and why refinancing in training can be a six-figure mistake.
Read the guide → Plans · 6 minWhy the capped IBR payment can save high-earning attendings tens of thousands versus the new RAP plan — and who should use which.
Read the guide → Taxes · 5 minWhy non-PSLF forgiveness can trigger a big tax bill in year 20 or 30 — and how to plan for it so it doesn't blindside you.
Read the guide →A clear decision framework: when refinancing wins, when it's a costly mistake, and how to think about rate, term, and timing.
Read the guide → Tax strategy · 6 minHow filing taxes separately can slash an income-driven loan payment for dual-income physician households — and when it backfires.
Read the guide →The guides explain the rules. The engine runs them on your exact numbers — free.
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