Educational tool only
The Med School Debt Calculator produces projections based on the inputs you provide and the assumptions documented on our Methodology page. Output is not financial, tax, or legal advice. It is not a recommendation to take, refinance, or forgive any loan. It does not create a fiduciary relationship between you and us.
Before making any six-figure financial decision (PSLF vs refinance, choice of IDR plan, aggressive payoff timing), consult a licensed financial advisor who specializes in physician finance.
No warranties
The tool is provided “as is.” We try to keep the formulas accurate and the defaults current, but salary data, interest rates, tax rules, and PSLF eligibility change. We do not warrant that any projection will match your actual outcome.
Limitation of liability
To the maximum extent permitted by law, we are not liable for any financial loss, missed opportunity, or damages arising from your use of the site, the calculator, or any guide on this site.
Your conduct
You agree not to:
- Scrape the site at a rate that degrades service for others.
- Reverse-engineer the tool to rehost it as your own.
- Use the content to mislead patients, students, or colleagues.
Third-party content
Ads are served by Google AdSense and are subject to Google's terms. Links to external sites (AAMC, MGMA, Medscape, studentaid.gov, etc.) lead to pages we do not control.
Contact
Questions about these terms? Email hello@medschooldebtcalculator.com.