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Track progress, model the future, and stay on scheduleForgiveness comes after 120 qualifying monthly payments while you work full-time for a qualifying nonprofit or government employer. Enter your official count (from the PSLF Help Tool) and the month it was current, we add a qualifying month automatically each month after.
Had a break in qualifying work? If you weren't full-time at a qualifying employer for a stretch, those months don't count, just re-enter your new official count and set "as of" to this month, and it resumes from there. Always confirm your count in the PSLF Help Tool.
The free tool models today. This models your real trajectory, year by year. We've pre-filled the next 12 years from your saved plan, edit any year's income, marital status, spouse income, kids, or employer (you can change several things in the same year), then recalculate. This is where the biggest six-figure swings hide.
Educational estimates, not advice. Forgiveness rules, tax law, and rates can change; verify at studentaid.gov.
We'll email you when these come due so nothing slips, this is how a great plan stays optimized over a career.
Your money checklist
The high-value moves for your stageEducational guidance, not financial advice. Some items may link to partners we have relationships with; we only suggest moves that are genuinely in your interest, and a partner relationship never affects your loan result. See disclosures.
Answers to the questions physicians are actually asking
Current as of June 2026, the 2026 rules, plainlyDo my SAVE-forbearance months count toward PSLF?
Not automatically. Months in the SAVE administrative forbearance (while SAVE was blocked by litigation) aren't qualifying payments on their own, but you can convert eligible forbearance/deferment months into qualifying payments through PSLF buyback, as long as you have 120 months of qualifying employment and the buyback gets you to forgiveness.
As of March 31, 2026, FSA prices buyback using the IBR/PAYE/ICR formula (no longer the SAVE formula), which usually makes SAVE-period buyback more expensive. What to do as SAVE ends → · Buyback guide →
Should I stay in forbearance until buyback is granted, or go back into repayment?
If your income has risen since the forbearance months, waiting is often cheaper: buyback is priced on the lower historical income of those months, while re-entering repayment now means new payments at your higher salary. Either way your qualifying count carries over. Confirm your exact count and pending buyback status with your servicer in writing before letting a forbearance ride.
We're married and both have loans, how is the IDR payment split?
File jointly and both incomes count. The servicer computes one household payment, then splits it between you in proportion to each spouse's share of the total federal balance. On IBR/PAYE/ICR, filing separately can base your payment on your income alone (often lower), but it usually raises your tax bill, so model both. RAP always uses total household income regardless of filing. Married + PSLF guide →
Is there really a July 1, 2026 deadline, and did it change?
Per the Dept. of Education (June 2026): if your loans were taken out before July 1, 2026, you can still enroll in IBR, ICR, or PAYE on or after July 1, 2026, there's no enrollment cutoff for your existing loans. The deadline only bites if you take a new loan or a new consolidation disbursement on/after July 1, 2026, which limits you to RAP. If you must consolidate to reach these plans, apply by ~April 1, 2026 so it disburses in time. 2026 changes guide →
What happens to PAYE and ICR in 2028?
PAYE and ICR are being eliminated by June 30, 2028. Your forgiveness count carries over when you switch plans, but if you don't actively pick a plan, you can be defaulted onto the standard plan (not income-driven), which can spike your payment. For high earners pursuing PSLF, plan to land on capped IBR (it survives, and usually beats RAP at attending income).
RAP vs. capped IBR, which is better for a physician?
RAP charges 1–10% of your total income with no standard-payment cap, so at a $500k+ attending income it can run far higher than capped IBR (capped at the 10-year standard amount). Lower qualifying payments mean more forgiven tax-free under PSLF, so for most high-earning physicians on a forgiveness track, capped IBR wins. Your saved plan above compares both on your real numbers. RAP vs IBR →
These federal rules are still being implemented and can change, verify specifics at studentaid.gov and with your servicer. Educational information, not individualized advice.
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