Know your optimized student-loan path.
An optimizer that searches every repayment path — PSLF, RAP, IBR, refinance — and shows your lowest-cost one.
Medical professionals routinely make six-figure student loan decisions without clear guidance. The difference between the right strategy and the wrong one can cost hundreds of thousands of dollars. AttendingFi analyzes your unique situation, shows you which repayment strategy costs the least on your own numbers and exactly why, and helps you stay on track as your career evolves — so the decision stays yours, made with clarity.
- One clear answer. A ranked plan on your real numbers, not vague rules of thumb.
- Independent by design. No sales calls, no advisor pitch — what you see is driven by your numbers, and we earn nothing from which plan wins.
- For every stage. Medical student, resident, fellow, attending, and dentist.
What should you do with your loans?
Not a physician or dentist? General calculator →A few focused questions, your loans, your income now and as an attending, your training and where you'll work, then we simulate every repayment path month by month and give you one clear answer. Free to use — no login or email required to see your answer. Create a free account afterward to save it and unlock advanced, year-by-year modeling.
Prefer a single-purpose calculator? PSLF · RAP · refinance savings · tax bomb · payoff — each does one thing.
From confusion to a clear plan in four steps.
Tell us your picture
Your loans, income now and as an attending, your training, and where you'll work.
We simulate every path
PSLF, RAP, capped IBR and refinancing, month by month against your real trajectory.
You get one clear answer
Every option ranked by lifetime cost, with the reasoning and the traps to avoid.
We keep you on track
Save your plan and get flagged when income, recertification, or rates make it worth revisiting.
Built for the way physicians actually earn.
Always current with the rules
The RAP plan, the capped legacy IBR that protects high earners, PSLF's training-year rules, and the trap where a new federal loan strips your legacy options. The rules keep shifting, we keep the engine current so your answer is too.
It asks what changes the answer
Whether your residency counts toward PSLF, your income now and as an attending, filing status, family size, and loan status. Enough to be precise about your real trajectory, and never more than we need.
Concrete math, not a nudge
Every path ranked by exactly what it costs you over its lifetime, with the reasoning shown, so your decision is grounded in evidence, not anyone's marketing. That's the whole point.
How we keep your answer honest,
and how you can check it.
Your result follows your numbers, not anyone's marketing. Here's how we keep it accurate, and how you can verify every figure yourself.
Your result reflects your situation
Your result follows your numbers and surfaces your lowest-cost path, even when that earns us nothing. What pays us never influences your answer. See exactly how we're paid →
Built only from government sources
Our engine models the Department of Education's rules, the 2025 federal law, IRS tax treatment, and HHS poverty guidelines, the same primary sources your servicer uses. Read our methodology & sources →
You can audit every result
Each result shows why your plan won, which assumptions we used, and what would change the answer, so you're verifying, not trusting blindly. No black box.
No black box, no agenda. AttendingFi models the real federal rules: PSLF, RAP, capped IBR, refinancing, married-filing-separately, and a year-by-year future, on your exact numbers, and shows you exactly why your plan won. You're verifying our work, not taking our word for it. Always free.
The debt is real — and so is the decision.
Official data on why this matters for physicians. We cite the primary sources, so you can verify every figure yourself. See the full Physician Debt Index →
Give your students the answer they're searching for.
Student-loan anxiety follows trainees from orientation through residency. AttendingFi is a free, independent resource you can hand to every student and resident, no logins, no sales pitch, accurate to the current federal rules. We've put together a free toolkit so your office can share it in minutes, ready-to-send email and newsletter copy, social blurbs, and a linkable description. No need to contact us first.
Get the free toolkit →What schools get
A tool that's genuinely on the student's side, and makes your office look great for sharing it.
- Free for unlimited students & residents
- Co-branded landing pages on request
- Plain-language guides for orientation packets
- Always current as federal rules change
The rules keep changing. We keep up.
Student-loan policy shifts almost every year — RAP, SAVE, PSLF buyback. When it does, your best move can change, so come back and re-run your plan.
The things residents ask us first.
Is it really free?
Yes, the tool and your full analysis are completely free, with no login required to see your answer. Your result is driven only by your numbers.
Do my residency years count toward PSLF?
Only if your training employer qualifies, a nonprofit or government hospital, and you first borrowed before the 2026 rule change. If you train at a for-profit hospital, or your loans were first taken on or after July 1, 2026, those years don't count and your 10-year PSLF clock starts when you become an attending. Our engine asks the right questions and models this precisely, so your forgiveness timeline is accurate.
What is the new RAP plan, and does it affect me?
The Repayment Assistance Plan is the new income-driven plan under the 2025 federal law. It sets payments at 1–10% of your total income (not discretionary income), reduces them $50/month per child, waives unpaid interest, and forgives the balance after 30 years. The catch for physicians: RAP has no payment cap, so as an attending your payments can be much higher than under the capped legacy IBR plan, which is why when you first borrowed matters so much.
I'm a resident with no money. Why plan now?
Because the decisions you make in training, which repayment plan, whether to certify PSLF employment, whether to consolidate, compound for a decade. Getting them right while your income is low is worth far more than scrambling once you're an attending. The tool takes a few minutes and shows the highest-impact moves to consider now.
Should I refinance my medical school loans?
Sometimes, and sometimes it's a costly mistake. If you'll work for a nonprofit or government employer, refinancing usually forfeits PSLF forgiveness worth far more than a lower rate. If you'll be in private practice with a manageable balance, refinancing to a lower rate is often the cheapest path. The engine compares both on your exact numbers and surfaces refinancing as your lowest-cost path only when your math favors it.
Is this financial advice?
No. AttendingFi provides educational estimates and modeling to help you understand your options, it is not financial, tax, or legal advice, and we are not your fiduciary. Always confirm program rules at studentaid.gov and run major decisions past a qualified advisor and your CPA before acting.
Before you chase a lower refinance rate, read this. Refinancing your federal loans is permanent, it gives up Public Service Loan Forgiveness, income-driven plans, and federal protections for good. If you qualify for PSLF, a slightly lower rate can cost you six figures. AttendingFi checks whether you're forgiveness-eligible first, before any rate. When refinancing actually makes sense →
One platform for every loan decision, med school to payoff.
Your loans change as you do. AttendingFi meets you at every stage with the right move for that moment, and keeps your plan current as your life changes.
Medical students
Borrow smart, avoid the in-school traps, and set up for forgiveness before Match Day.
Start here →Residents & fellows
Bank the cheapest PSLF payments of your career, and don't refinance forgiveness away.
Your plan →Attendings
Re-run the decision at attending income, finish PSLF, or refinance and eliminate.
The checklist →Dentists
Higher debt, mostly private practice, a different playbook, already built in.
For dentists →Your loan decision is worth six figures. See your lowest projected-cost plan.
Get your personalized plan free, and keep it as your income, family, and job change. No login required to see your answer.
Get my free plan →The full picture is free — it just lives behind a sign‑in
Run your numbers above for your answer in seconds. Create a free account and it becomes a living dashboard that updates with the federal rules — a live forgiveness countdown, your recertification and PSLF deadlines, a year-by-year plan, and a “do this now” checklist, alongside projections, scenario modeling, and your own PSLF operations center.