No login · No AAMC account · Free
AAMC Loan Calculator Alternative
The AAMC MLOC requires a login, doesn't model resident income, and can't compare PSLF vs refinancing side by side. MedDebt does all three — free, no account needed.
Works for MD, DO, Caribbean, and IMG graduates.
AAMC MLOC vs MedDebt Calculator
A direct feature comparison for medical students evaluating their options.
| FEATURE | AAMC MLOC | MEDDEBT ✓ |
|---|---|---|
| Login required | Yes — AAMC account | No — fully anonymous |
| Specialty salary presets | None | 21 specialties (2026 data) |
| PSLF modeling | Basic | Full 120-payment tracker |
| Resident income phase | No | Yes — year-by-year modeling |
| Strategies compared | 1 at a time | PSLF vs IBR vs aggressive vs refi |
| Net worth projection | No | Yes — with crossover chart |
| AI Co-Pilot | No | Yes — explains your best strategy |
| DO / Caribbean students | Members only | Fully supported |
| Cost | Free (membership required) | Free, no membership |
What the AAMC calculator doesn't show you
Resident income modeling
The AAMC tool doesn't account for 3–7 years of residency at $60K–$90K. During training, your loan balance grows by $15,000–$20,000/year in interest. Missing this phase leads to wildly inaccurate projections.
Side-by-side strategy comparison
PSLF vs IBR vs aggressive payoff vs refinancing — these four strategies can differ by $200,000+ over a career. The AAMC tool models them separately. MedDebt shows all four on the same screen.
Specialty salary data
A pediatrician earning $244K and a neurosurgeon earning $788K have completely different optimal strategies. Without specialty presets, every projection is a guess. MedDebt includes 21 specialties with 2026 Marit Health salary data.
Net worth projection
The real question isn't "how much do I pay?" — it's "which strategy leaves me with the most money in 20 years?" MedDebt shows net worth crossover: the year each strategy overtakes the others.
AAMC loan calculator FAQ
What is the AAMC MLOC loan calculator?
MLOC (Medical Loan Organizer and Calculator) is a tool provided by the Association of American Medical Colleges (AAMC) to help medical students estimate loan repayment. It requires an AAMC account to access and is primarily designed for MD students at LCME-accredited schools. It lacks specialty-specific salary modeling and does not compare PSLF vs aggressive payoff side by side.
Can I use this calculator without an AAMC account?
Yes. The MedDebt Calculator requires no login and no account. Enter your loan balance, specialty, and income, and it models your full repayment trajectory in seconds. Your data stays in your browser — nothing is stored on our servers without your permission.
Does this work for DO students and Caribbean medical school graduates?
Yes. Unlike the AAMC MLOC, MedDebt is not limited to LCME-accredited schools or AAMC members. DO students, Caribbean graduates, and international medical graduates (IMGs) can use all features of the calculator, including PSLF modeling and specialty salary presets.
How does PSLF modeling compare to the AAMC calculator?
MedDebt models the full 120-payment PSLF trajectory: it tracks your resident payments (IBR at training salary), switches to attending salary on the year you specify, and shows you exactly how much is forgiven tax-free at month 120. It also compares PSLF vs aggressive payoff and refinancing on the same screen so you can see which strategy wins for your specific specialty and loan balance.
What loan data does this calculator use?
The MedDebt Calculator uses AAMC-reported median debt figures by school type, Marit Health and Medscape 2026 salary data for 21 physician specialties, and federal interest rates from studentaid.gov. All data sources are cited on the Methodology page.