Icahn School of Medicine at Mount Sinai
Mount Sinai's Icahn School offers a significant full-tuition scholarship program that reduces borrowing for a meaningful share of the class.
$177K
Avg graduate debt
AAMC class of 2024
-$35K
vs. national avg
National avg $212K
61%
Grad with debt
of the class
$2,500
10-yr payoff /mo
post-residency est.
Repayment Scenarios for Mount Sinai (Icahn) Graduates
Based on $177,369 average debt · 3-year residency at $65K · then Internal Medicine attending at $310K. Use the calculator for your exact specialty.
Aggressive 10-year
$2,458/mo
Total paid: $294,925
✓ Debt-free fastest. Best long-term net worth.
✗ Highest monthly payments early in career.
PSLF (nonprofit/govt)
saves $81K$2,395/mo
Residency: $353/mo
Total paid: $213,888 + balance forgiven
✓ Lowest total cash paid for high-debt borrowers at nonprofits.
✗ Requires 10 years qualifying employment. Tax-free forgiveness.
Income-Driven (IDR)
$2,395/mo
Payoff timeline: ~11 years
✓ Lowest monthly payment. Best cash flow during residency.
✗ Longer payoff than aggressive.
Model your exact situation
Pre-loaded with Mount Sinai (Icahn)'s $177,369 average debt. Change specialty, salary, and strategy.
How Mount Sinai (Icahn)'s Debt Compares
Mount Sinai (Icahn) graduates leave medical school with an average of $177,369 in education debt — 16% below the national average of $212,341 for the class of 2024. This figure comes from the AAMC Medical School Admission Requirements (MSAR) database and reflects only graduates who borrowed — students who received full scholarships are excluded.
The private school national average for the class of 2024 was $227,839. Mount Sinai (Icahn) sits below that benchmark.
Roughly 39% of Mount Sinai (Icahn) graduates finished with no debt — through scholarships, family support, or in-state cost advantages. For the 61%who do borrow, loan strategy becomes one of the most consequential financial decisions of their career. The difference between choosing PSLF vs. aggressive payoff can easily be six figures over a physician's career.
Loan Strategy for Mount Sinai (Icahn) Graduates
If you plan to work at a nonprofit or academic medical center — which includes most major teaching hospitals — PSLF is worth modeling seriously. At $177,369 average debt, graduates pursuing PSLF would pay approximately $213,888 over 10 years before the remaining balance is forgiven tax-free. Compare that to $294,925 under aggressive payoff. That's a difference of $81,037 in total cash paid.
If you plan private practice or a high-income specialty without PSLF-qualifying employment, aggressive payoff or refinancing typically wins. Post-residency payments of ~$2,458/month for 10 years leaves you debt-free and maximizes long-term net worth.
Frequently Asked Questions
What is the average medical school debt at Mount Sinai (Icahn)?
According to AAMC data for the class of 2024, the average graduate indebtedness at Icahn School of Medicine at Mount Sinai was $177,369 among those who borrowed. This is 16% below the national average of $212,341.
What will my monthly student loan payment be after Mount Sinai (Icahn)?
On aggressive 10-year repayment with $177,369 in debt at 7.05% interest, you'd pay approximately $2,458/month post-residency. On an income-driven plan at an Internal Medicine salary, payments would be approximately $2,395/month. Use the MedDebt calculator to model your specific specialty.
Should Mount Sinai (Icahn) graduates pursue PSLF?
PSLF makes the most sense for Mount Sinai (Icahn) graduates who plan to work at nonprofit hospitals, academic medical centers, or government employers. At $177,369 average debt, PSLF can save approximately $81,037 compared to aggressive payoff — but requires 10 years of qualifying employment.
How does the 2026 federal loan cap affect Mount Sinai (Icahn) students?
Mount Sinai (Icahn)'s average graduate debt of $177,369 is below the new $200K federal cap effective July 1, 2026. Most students should still be able to finance their education entirely with federal loans and retain access to PSLF and IDR programs.
Debt data sourced from AAMC MSAR, class of 2024. Repayment estimates based on average debt, 3-year IM residency, $310K attending salary. Individual results vary. Not financial advice.
Student-reported data
What did Mount Sinai (Icahn) graduates actually borrow?
AAMC official avg
$177K
Student-reported
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