Every MedDebt tool, in one place.
Free tools built specifically for the physician financial journey — from first-year student to attending. No login, no paywall, no upsell.
Medical School Debt Calculator
The most complete physician-specific calculator available.
Models your full physician journey — student, resident, and attending — with real salary data for 21 specialties. Compare PSLF, standard repayment, aggressive payoff, and refinancing side by side. No signup, no paywall.
Physician Student Loan Calculator
Loan calculator built for the full physician career arc.
Models your debt through medical school, residency, fellowship, and attending years with 21 specialty salary presets. Compare PSLF, aggressive payoff, and refinancing against your actual career timeline.
PSLF Calculator for Doctors
See exactly how much PSLF saves for your specialty.
Physician-specific PSLF tool — shows savings vs. aggressive payoff by specialty, qualifying employer guide, and year-by-year payment breakdown. Banks training year payments automatically.
IBR Calculator for Residents
IBR payments by PGY year, with PSLF credit tracking.
Shows your exact IBR payment for each year of residency and fellowship, how many PSLF payments you're banking during training, and why deferment is almost always the wrong move.
Doctor Loan Repayment Calculator
Compare all repayment strategies side-by-side.
PSLF vs. aggressive payoff vs. refinancing vs. IBR standard — all four strategies compared with totals paid, amount forgiven, and tax implications. Best strategy by specialty included.
Medical School Loan Forgiveness Calculator
See how much of your debt actually gets forgiven.
All four forgiveness programs compared (PSLF, IDR, NHSC, state programs) with forgiveness amounts by specialty, tax implications, and timeline to forgiveness.
IDR Plan Quiz
Find out which income-driven repayment plan fits you.
A 5-question quiz that recommends the right IDR plan — SAVE, PAYE, IBR, or ICR — based on your loan types, income, family size, and PSLF eligibility. Takes under 2 minutes.
PSLF Employer Checker
Verify your employer qualifies for loan forgiveness.
Search 150+ hospitals and healthcare systems to check PSLF eligibility before you sign a contract. Includes nonprofit status, EIN lookup guidance, and what to do if your employer isn't listed.
Refinance Lender Comparison
Compare the top physician refinancing lenders.
Side-by-side comparison of 6 lenders — Juno, ELFI, Earnest, SoFi, Laurel Road, and Splash Financial — with rates, terms, forbearance policies, and physician-specific features. Includes a breakeven calculator.
Physician Mortgage Comparison
0% down, no PMI — built for doctors.
Compare 6 physician mortgage lenders side-by-side. 0% down payment without PMI, future income qualifying for residents, and student-loan-friendly DTI calculations. Covers Fairway, BMO, Regions, First Horizon, TD Bank, and KeyBank.
Medical Loan Glossary
Every student loan term, explained for physicians.
35+ definitions covering IDR, PSLF, SAVE, IBR, capitalization, forbearance, MOHELA, and more — written specifically for the medical school debt context. Deep-linkable by term.
New Attending Financial Checklist
20 financial moves, Day 1 through Year 1.
An interactive checklist of every financial decision a new attending needs to make — PSLF enrollment, IDR recertification, retirement accounts, disability insurance, and more. Progress saves in your browser.
AI Loan Analyzer
Paste your loan details, get instant strategy.
Describe your loan situation in plain English and get a structured analysis — PSLF eligibility, repayment options, and next steps — powered by AI. Your data is never stored or sold.
PSLF Countdown Tracker
See exactly when your debt disappears.
Enter your qualifying payment count and see your forgiveness date, how much will be forgiven tax-free, and every milestone between now and 120 payments. Browser-based, no login needed.
Medical School Debt Statistics
The numbers behind physician debt.
Data tables covering average debt by specialty, debt-to-income ratios, PSLF savings estimates, and debt by medical school — all sourced from AAMC, Marit Health, and federal data. Machine-readable API included.
PA & NP Loan Guide
Student loan strategy for advanced practice providers.
PSLF eligibility, IBR vs refinancing, and repayment strategy built for physician assistants and nurse practitioners — with real debt and salary numbers specific to PA/NP programs.
Side-by-side strategy guides
Not sure which repayment path is right for you? These guides break down every tradeoff with real numbers.
How MedDebt compares to the alternatives.
Most loan calculators are built for the general public. MedDebt is built for physicians.
| Feature | MedDebt | StudentLoanPlanner | AAMC MLOC | White Coat Investor | Sallie Mae |
|---|---|---|---|---|---|
| Specialty salary presets (21 specialties) | ✓ | — | — | — | — |
| Resident → attending income modeling | ✓ | — | — | — | — |
| PSLF vs refinancing side-by-side | ✓ | ✓ | — | — | — |
| AI Co-Pilot (natural language control) | ✓ | — | — | — | — |
| Net worth crossover projection | ✓ | — | — | — | — |
| IDR tax bomb modeling | ✓ | — | — | — | — |
| Side-by-side scenario comparison | ✓ | — | — | — | — |
| DO students / Caribbean med students supported | ✓ | — | — | — | — |
| No login required | ✓ | — | — | ✓ | — |
| Free, no paywall | ✓ | — | ✓ | ✓ | ✓ |
Comparison based on publicly available features as of June 2026. StudentLoanPlanner offers consulting at $595+; the comparison above is for their free calculator tools only.
Start with the calculator.
Enter your loan balance, specialty, and expected income — and see which repayment strategy saves you the most money over the next 20 years.
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