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 17 specialties. Compare PSLF, standard repayment, aggressive payoff, and refinancing side by side. No signup, no paywall.
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.
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.
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 (17 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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