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Enter your specialty and debt. See exactly when you’ll reach forgiveness and how much you save.
Try the calculator free — no email requiredSuhin Nallagatla
Co-founder, MedDebt · 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.
Frequently asked
Is PAYE still available for attending physicians in 2026?
PAYE remains available for existing enrollees through mid-2028, after which they will be automatically moved to RAP if they do not switch to IBR. New borrowers cannot enroll in PAYE after July 1, 2026. Most attending physicians should switch to IBR now.
Which IDR plan is best for attending physicians in 2026?
IBR is the most stable IDR option for attending physicians in 2026. SAVE is dead, PAYE is being phased out, and the new RAP plan has a 30-year forgiveness timeline — worse than IBR's 20–25 years. IBR is the default recommendation for most physicians.
What is RAP and how does it compare to IBR?
RAP (Repayment Assistance Plan) is a new IDR plan created by the One Big Beautiful Bill Act, available July 1, 2026. Payments are roughly 10% of AGI, but forgiveness takes 30 years (vs. 20–25 under IBR). For most attending physicians, IBR is the better choice.
Disclosure: This article is for informational purposes only and does not constitute financial, legal, or tax advice. Loan program details change — always verify current rules on studentaid.gov. MedDebt may earn a referral commission if you refinance through links on this site.