Transparent. Just the math.
I built a free, transparent calculator for medical students, residents, and attendings making six-figure financial decisions. Built for doctors, not lenders. Your results always reflect your numbers — nothing else.
Why this exists
Every other calculator was selling something.
Every calculator I found was either too generic or buried inside a site trying to sell you a refinancing product. So I built one that wasn’t.
I became obsessed with the medical school debt problem after seeing how little clarity existed for doctors making six-figure financial decisions.
Every number here traces to a published source. The calculator is free and always will be. Your results are yours alone.
Suhin NallagatlaFounder & CEO, MedDebt
The team
Built by physicians’ advocates.
Suhin Nallagatla
Founder & CEO
Anirudh Mukkamala
Head of Product
Ashwin Kunavarapu
Head of Marketing
Sarim Rizvi
Head of Strategy & Operations
Scope
What this is.
And what it isn’t.
Setting expectations up front is the cheapest way to earn trust. Here’s the honest scope of what this tool does and the lines we deliberately don’t cross.
What this is
A medical-debt simulator
PSLF, IDR, refinance, and aggressive payoff modeled with real federal mechanics.
Sourced from public datasets
AAMC graduation surveys, Marit Health compensation data, studentaid.gov rules.
Free to start
Full calculator, all 21 specialty presets, and PSLF strategy modeling are permanently free. Pro adds PSLF tracking, alerts, and more.
What it isn’t
Pay-to-win recommendations
Every result you see is driven purely by your numbers. No outside influence, no hidden ranking. Just an honest look at your options.
Personal financial advice
It models your numbers — for a real plan, take the output to a fiduciary CFP or CPA.
Backed by a loan servicer
Not affiliated with AAMC, the Department of Education, or any lender.
Sources, in plain sight
Where the numbers come from.
Every calculator default is triangulated from one of these public datasets. If a source updates, I update.
See how every number is computed- 2024
AAMC Graduation Questionnaire
Average medical-school debt and % of graduates with debt
Visit source - 2026
Marit Health Salary Data
Specialty-by-specialty attending compensation medians
Visit source Federal Student Aid (studentaid.gov)
PSLF, IDR, capitalization, and forgiveness rules
Visit source
Ready to run your numbers?
The tool is free.
Always will be.
No login. No email gate. Open it, run your scenario, share the link with your spouse or financial advisor.
Feedback
We read every message.
Found a bug, have a feature idea, or just want to say something? Drop us a note — big or small, we appreciate it all.
Send feedback