By Suhin Nallagatla

How the RAP Interest Subsidy Works for Physicians (2026)

How the RAP interest subsidy works for physicians, who qualifies, and whether it saves money vs IBR. Real numbers, 2026 rules.

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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.

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