Student Loans
Guides
Focused resources for medical professionals on student loans. High-yield advice to master your finances.
CalHealthCares (2026): California Will Pay Off $300,000 of Your Student Loans. Here's the Catch.
California pays physicians up to $300,000 in loan repayment for a 5-year Medi-Cal commitment. The full guide — plus two more CA programs, one open right now.
State Physician Loan Repayment Programs: The Map (2026)
States pay physicians $150K–$300K to practice in shortage areas. Every program guide, the PSLF stacking rules, and the application calendar — in one place.
The FRAME Program (2026): How Florida Pays Physicians Up to $150,000 in Loan Repayment — The Complete Guide
Florida's FRAME program pays physicians up to $150,000 in loan repayment — 25% of principal yearly. Eligibility, the 2026 window, and the PSLF interaction, explained.
Best Private Student Loans for Medical School (2026): Compared by What Actually Matters
With Grad PLUS gone and federal loans capped at $200K, most medical students will borrow privately. We compare Sallie Mae, College Ave, SoFi, Earnest, and Ascent on the feature that matters most — residency deferment — plus rates, cosigner release, and the traps to avoid.
Does My Hospital Qualify for PSLF? The Physician's Complete Answer (2026)
Whether your hospital qualifies for PSLF depends on who signs your paycheck — not where you round. The complete 2026 physician guide: how to check your employer in 60 seconds, the medical-group trap, the California/Texas exception, and what the June 2026 court ruling means.
Medical School Scholarships (2026): The Complete Guide to Free Money for Your MD
With Grad PLUS gone and federal loans capped, every scholarship dollar now displaces private debt. The complete 2026 guide to medical school scholarships — tuition-free schools, service programs, national awards, institutional aid, and the application strategy that actually wins money.
SAVE Plan 90-Day Notice: What Physicians Must Do Now (2026)
SAVE borrowers are receiving 90-day notices to pick a new repayment plan — and the auto-enrollment default can destroy PSLF eligibility. Here is the physician's step-by-step response: your deadline, your options, the RAP vs. IBR decision, and PSLF damage control.
The Repayment Assistance Plan (RAP) for Physicians: The Complete 2026 Guide
RAP is now the only income-driven repayment plan for new federal student loans. Here is exactly how the Repayment Assistance Plan works for physicians — payment brackets, the interest waiver, the $50 principal match, PSLF, and the strategies that lower your bill.
How to Pay for Medical School Without Grad PLUS Loans (2026 Guide)
Grad PLUS loans are gone. New federal caps of $50,000/year and $200,000 lifetime leave a six-figure gap at many medical schools. Here is exactly how to fund your MD or DO in 2026 — federal loans, scholarships, service programs, and private lenders, in the right order.
Iowa's Primary Care and Rural Physician Loan Repayment Programs (2026)
Iowa has historically had five loan repayment programs for physicians. As of 2025, the Iowa Legislature passed the Rural Health Care Act to consolidate this system.
The Complete Guide to Student Loan Refinancing for Physicians (2026)
Stop overpaying interest on medical school debt. Here is how to evaluate every major lender, understand the decision framework, and refinance correctly.
Physician Student Loan Forgiveness (2026): Every Program Available and Who Qualifies
Map every physician student loan forgiveness and repayment program available in 2026 — with specific dollar amounts, eligibility requirements, and stacking strategies.
What Happens to Student Loans When You Die? A Physician's Complete Answer
Federal student loans die with you. Private loans are more complicated. Learn how different loan types are handled at death and how to protect your family.
PSLF vs. Refinancing for Physicians: The 2026 Math
A complete 2026 mathematical analysis of PSLF vs. refinancing for physicians, including the impact of the OB3 Act, the IBR cap, and specific scenarios by specialty.
The SAVE Plan Is Dead (2026 Guide)
What physicians, residents, and fellows must do now — including the switch to IBR, RAP, and PSLF impact.
Income-Driven Repayment (IDR)
SAVE vs PAYE vs IBR. Which plan lowers your payments and maximizes subsidy?
Public Service Loan Forgiveness (PSLF)
The complete guide to tax-free loan forgiveness. Rules, forms, and pitfalls.
Physician Student Loans (2026): PSLF, Refinancing and Repayment — The Complete Library
The median physician finishes training with roughly $200,000+ in education debt. The first decision — PSLF track or refinance — is worth more than every other loan decision combined.