Student Loan Repayment for Urologists
Urology is a 5-year residency followed by a median attending salary of $584K according to Marit Health 2026 data. Urologists at academic medical centers and large hospital systems have strong PSLF access — but the high salary also makes aggressive payoff extremely fast. The optimal path depends almost entirely on your employment setting.
$584K salary · 5-yr residency · pre-loaded
Key numbers
Avg med school debt
$240K
AAMC GQ 2025
Resident salary (PGY-1)
$67K
ACGME median
Residency length
5 yrs
+ fellowship common
Debt-to-income ratio
0.41x
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 |
| PGY-5 | $82K | ~$399/mo |
* Salaries: AAMC 2025 national averages. IDR estimate assumes IBR plan (SAVE vacated March 2026), 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 urology physicians.
Salary & IDR Estimate
$585K
Monthly
~$4,592/mo
Annual
~$55,104/yr
Estimate assumes SAVE plan, single filer, no dependents.
Run full calculationPSLF fit
Mixed — depends on employer
Urologists at nonprofit hospital systems, academic medical centers, and VA facilities qualify for PSLF. With a 5-year residency reducing the attending payment count to just 5 years, the forgiven balance can be substantial. At $584K, IBR payments run roughly $3,500–$4,500/month — total out-of-pocket before forgiveness often reaches $240K–$300K. Compare carefully against aggressive payoff on your specific balance.
Check if your employer qualifiesRefinancing
When it makes sense
For urologists in private practice or private surgical groups, aggressive payoff is the primary path. Directing $8–12K/month toward $240K in debt eliminates it in 2–3 years on a $584K salary. Refinancing to 4.5–5.5% reduces total interest but the bigger win is speed.
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See your exact repayment numbers.
Calculator opens with Urology salary ($584K) and 5-year residency pre-loaded. Adjust any input — results update instantly.
Common questions
Urology loan repayment, answered.
Should urologists pursue PSLF?
It depends on your employer. Hospital-employed urologists and those at academic centers qualify. With 5 years of residency payments already banked, you only need 5 more years as an attending. At $584K, your IBR payment is roughly $3,500–$4,500/month. Total out-of-pocket before forgiveness is often $240K–$300K. But at this salary you can pay off $240K in under 3 years aggressively — so compare both paths carefully.
How much does a urology resident pay on income-driven repayment?
On IBR with a $67K PGY-1 stipend, monthly payments are typically $150–$350/month during residency. These count toward PSLF if your program is at a nonprofit hospital — most academic urology programs qualify.
How long does it take a urologist to pay off student loans?
On aggressive payoff at $584K: 2–3 years. On PSLF at a qualifying employer: 10 years total (5 residency + 5 attending). The two paths are close in total cost at this salary level — use the calculator to model your specific numbers.
Do urology fellowships affect PSLF eligibility?
Yes — a fellowship year at a qualifying nonprofit employer counts as an additional PSLF-qualifying payment year, reducing your attending payment obligation. Female pelvic medicine, pediatric urology, and urologic oncology fellowships at academic centers all qualify.
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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.