By Suhin Nallagatla

RAP vs IBR for Physicians in 2026: Which Plan Should Doctors Choose?

RAP vs IBR for physicians in 2026: which repayment plan should doctors choose now that SAVE is dead? Payment comparisons, PSLF eligibility, and who should pick each plan.

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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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