Student Loan Repayment for OB/GYN Physicians
Obstetrics and gynecology is a 4-year residency followed by a median attending salary of $391K. OB/GYN occupies a middle tier in the PSLF calculus — enough qualifying employers exist (academic medical centers, community hospitals, FQHCs) that PSLF is worth modeling, but private practice is also common and pushes many toward refinancing or aggressive payoff.
$391K salary · 4-yr residency · pre-loaded
Key numbers
Avg med school debt
$230K
AAMC GQ 2025
Resident salary (PGY-1)
$66K
ACGME median
Residency length
4 yrs
+ fellowship common
Debt-to-income ratio
0.59x
Debt ÷ attending salary
Attending Salary Distribution
Source: Marit Health, Jun 2026 · Median used in calculator
Residency Salary Progression
| Year | Salary | Monthly IDR est.* |
|---|---|---|
| PGY-1 | $68K | ~$285/mo |
| PGY-2 | $70K | ~$304/mo |
| PGY-3 | $73K | ~$328/mo |
| PGY-4 | $78K | ~$363/mo |
* Salaries: AAMC 2025 national averages. IDR estimate assumes SAVE plan, single filer, no dependents.
PSLF Timeline
residencyFinish
residencyLoans
forgiven 🎉
With PSLF, loans forgiven after 10 years of qualifying payments — as early as Year 10 for obstetrics & gynecology physicians.
Salary & IDR Estimate
$390K
Monthly
~$2,967/mo
Annual
~$35,604/yr
Estimate assumes SAVE plan, single filer, no dependents.
Run full calculationPSLF fit
Mixed — depends on employer
OB/GYN has meaningful PSLF access. Academic OB physicians, those at large nonprofit hospital systems, and community health center physicians qualify. At $391K, the forgiveness amount is significant — often $80–150K — making PSLF genuinely competitive with aggressive payoff for hospital-employed OB/GYN physicians. Subspecialty fellows at academic programs also accumulate qualifying payments during training.
Check if your employer qualifiesRefinancing
When it makes sense
For OB/GYN physicians in private practice or private groups at or above the $391K median, aggressive payoff over 7–9 years is a strong strategy. At this salary, $3–5K/month eliminates $230K in 5–7 years. Refinancing to 4.5–5.5% can meaningfully reduce total interest paid over that window.
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Common questions
Obstetrics & Gynecology loan repayment, answered.
Does PSLF make sense for OB/GYN physicians?
Yes, for many. OB/GYN physicians at academic medical centers, large nonprofit hospitals, or community health centers qualify. With a 4-year residency counting toward the 120 payments and a $391K salary producing meaningful IDR payments without approaching standard repayment amounts, the forgiveness amount is often $80–150K — a compelling benefit.
How much does an OB/GYN resident pay on income-driven repayment?
On SAVE with a $66K PGY-1 stipend, monthly payments are typically $100–300/month. These payments count toward PSLF qualifying payments if your training program is at a qualifying employer. After 4 years of residency, only 6 attending years of payments remain before forgiveness.
How long does it take an OB/GYN physician to pay off student loans?
On PSLF at a nonprofit: 10 years of qualifying payments (4 during residency + 6 as attending). On aggressive payoff at $391K: 7–9 years depending on payment amount. Both are viable paths — PSLF requires qualifying employment, while aggressive payoff gives flexibility to work anywhere.
Do MFM, REI, or GYN oncology fellowships affect the PSLF math?
Yes positively. Subspecialty fellowships (maternal-fetal medicine, reproductive endocrinology, gynecologic oncology) add 2–3 years of qualifying payments at academic programs, reducing the attending payment count to 3–4 years. For fellows at nonprofit academic centers who plan to stay in academic medicine, this can make PSLF even more valuable.
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PSLF vs aggressive payoff vs refinancing — modeled with your salary, debt, and training timeline. Adjust any input and results update in real time.