You're brilliant at medicine — loan policy isn't your job, it's ours. AttendingFi asks the questions that actually change the answer, runs the full math on your numbers, and hands you one clear, definitive plan: PSLF, the new RAP plan, capped IBR, or refinancing.
Projected total cost $118,400, with $214,900 forgiven tax-free. Refinancing would cost you the entire forgiveness — don't.
A one-on-one physician student-loan consultation typically runs $300–$600. We give you the same comprehensive analysis instantly, and we built the engine to empower your decision with concrete math — not to sell you anything.
The new RAP plan, the capped legacy IBR that protects high earners, PSLF, and the trap where one new loan after July 2026 strips your legacy options. Most calculators haven't caught up.
Your income now and as an attending, your future employer and PSLF eligibility, filing status, family size. Enough to be precise about your real trajectory — and never more than we need.
Every path ranked by exactly what it costs you over its lifetime, with the reasoning shown — so your decision is grounded in evidence, not anyone's marketing. That's the whole point.
Your loans, your income now and as an attending, your future employer, and your PSLF situation.
PSLF, RAP, capped IBR and refinance — month by month against your income trajectory.
Every option ranked by lifetime cost, with the reasoning and the traps to avoid.
Save your plan and get flagged when income, recertification or rates make it worth revisiting.
Yes — the decision engine is free to use. Comparable one-on-one physician student-loan consultations typically cost between $300 and $600. Our goal is to empower your decision with concrete math. We may earn a referral fee if you later choose to refinance through a partner lender, but that never changes the analysis — for PSLF-track borrowers the honest answer is usually "don't refinance," and the engine says so plainly.
The Repayment Assistance Plan launches July 1, 2026 under the 2025 federal law. It sets payments at 1–10% of your total income (not discretionary income), reduces them $50/month per child, waives unpaid interest, and forgives the balance after 30 years. The catch for physicians: RAP has no payment cap, so as an attending your payments can be much higher than under the capped legacy IBR plan — which is why when you first borrowed matters so much.
Because the most expensive student-loan mistakes happen in residency — refinancing away PSLF eligibility, missing employment certification, or picking the wrong plan during your low-income years. Decisions you make now compound for a decade. Getting it right while your balance and income are both low is the highest-leverage financial move of your training.
It depends entirely on whether you'll pursue Public Service Loan Forgiveness. If you work for a nonprofit, academic, VA or government employer, PSLF usually wins decisively because your remaining balance is forgiven tax-free after 10 years — and refinancing permanently forfeits that. If you're headed to private practice with a manageable balance, refinancing to a lower rate is often the cheapest path. Our engine runs both against your exact numbers so you're not guessing.
No. AttendingFi provides educational estimates and modeling to help you understand your options — it is not financial, tax, or legal advice, and we are not your fiduciary. Always confirm program rules at studentaid.gov and run major decisions past a qualified advisor and your CPA before acting.
Run your real numbers through the only engine built for the 2026 rules and the way physicians actually earn. Free, every time.
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