By Suhin Nallagatla

Should Physicians Pay Off Student Loans or Invest? The Debt Payoff Priority Guide

Should physicians pay off student loans or invest? The answer depends on interest rates, tax treatment, and employer match. Here's the 2026 framework.

SN

Suhin Nallagatla

Co-founder, MedDebt Β· UC Berkeley, Class of 2030 (premed)

Suhin built MedDebt to give medical students the loan modeling tools that financial planners charge $500+ to provide. He tracks federal student loan policy, IDR regulations, and physician personal finance so you don't have to.

Disclosure: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Loan program details change β€” always verify current rules on studentaid.gov. MedDebt may earn a referral commission if you refinance through links on this site.

See your payoff timeline.

Enter your specialty, residency, and loan details. Get a customized projection in seconds.

Calculate my payoff β€” free β†’