Repayment is a different math problem for each specialty.

Best strategy: PSLF (if federal + nonprofit)

Best strategy: PSLF at a nonprofit, refinance in private practice

Best strategy: PSLF + NHSC/state program stacking

Best strategy: PSLF (strong fit)

Best strategy: Aggressive payoff or refinance (if non-PSLF)

Best strategy: PSLF (strong fit)

Best strategy: PSLF if academic/hospital, aggressive payoff if private

Best strategy: Academic: PSLF. Private lab: refinance.

Best strategy: Aggressive payoff or refinance

Best strategy: Refinance + aggressive payoff

Best strategy: Refinance + aggressive payoff

Best strategy: PSLF at academic center; refi for private practice

Best strategy: Refinance + aggressive payoff

Best strategy: PSLF if academic; aggressive payoff if private

Best strategy: Academic: PSLF. Private GI: aggressive payoff.

Best strategy: PSLF at academic; refinance in private