Overview
Family medicine is a 3-year residency ending around $215K. The specialty is uniquely positioned for PSLF stacking with state/federal rural repayment programs (NHSC, state HRSA), which can make effective payoff nearly free.
Physician salary & compensation
Median salary
$215K
Range
$190K – $250K
Source
MGMA 2025 / Doximity 2025
Residency training timeline
Training years
3y
PGY-1 salary
$65K
Annual growth
2.0%
Fellowship
Optional
Not baked into training
Most family medicine trainees follow a 3-year track. PGY-1 pay starts around $65K with roughly 2.0% annual raises.
PSLF & forgiveness strategy
FQHCs, community health centers, rural hospitals, and state-HRSA designated sites almost universally qualify for PSLF.
Our pick · PSLF + NHSC/state program stacking
Repayment recommendation
FM’s community-health pipeline fits the NHSC Loan Repayment Program (up to $50K for 2 years rural service) which is stackable with PSLF. Many FM docs graduate effectively debt-free.
Run your numbers for Family MedicineKey takeaways
- NHSC + state loan repayment programs stack cleanly with PSLF
- 3-year residency = PSLF forgiveness lands at year 13 total (10-year attending clock)
- Refinancing rarely beats the PSLF + grant stacking combo
Ready to model your debt strategy?
Compare PSLF, refinancing, and aggressive payoff for your Family Medicine scenario — pre-filled with the salary and training defaults from this page.
Open the calculator