# AttendingFi

> AttendingFi is a free, no-login decision tool that helps U.S. healthcare professionals (physicians, dentists, residents, fellows, pharmacists, nurse practitioners) figure out what to do with their student loans. It models PSLF, IBR, the new Repayment Assistance Plan (RAP), and refinancing on the current 2026 federal rules and shows the underlying math. All outputs are educational estimates, not individualized financial advice — users should verify specifics with their servicer at studentaid.gov.

## Calculators
- [Student Loan Repayment Calculator](https://attendingfi.com/compare-student-loan-plans.html): Compare IBR, RAP, ICR, Standard, PSLF and refinance on your own numbers — monthly payment, total paid, and projected forgiveness for each. No login, no email. Results are shareable by URL.
- [Income-Driven Repayment (IDR) Calculator](https://attendingfi.com/income-driven-repayment-calculator.html): IDR-focused version of the calculator, comparing IBR, RAP, Standard and PSLF.
- [PSLF Buyback Calculator](https://attendingfi.com/pslf-buyback-calculator.html): Estimate the cost to buy back past PSLF months that did not count.

- [PSLF Eligibility Checker](https://attendingfi.com/pslf-eligibility-checker.html): Answer 5 questions to see if you qualify for Public Service Loan Forgiveness, what is missing, and your next step.

- [Physician Couple Student Loan Strategy Calculator](https://attendingfi.com/physician-couple-student-loan-calculator.html): For married couples — compares filing taxes jointly vs separately for student loans, modeling both spouses\u2019 loans, PSLF, community property and the tax cost, showing the modeled lowest-cost filing path and a confidence level.

## Reference explainers (answer-first)
- [RAP vs IBR (2026 rules)](https://attendingfi.com/rap-vs-ibr.html): How RAP and IBR are calculated under the 2026 rules and who each plan favors.
- [PSLF buyback explained](https://attendingfi.com/pslf-buyback-explained.html): What PSLF buyback is, who is eligible, how it is priced, and when it is worth it.
- [The July 1, 2026 student loan changes (OBBBA)](https://attendingfi.com/july-1-2026-student-loan-changes.html): What the 2025 reconciliation law changed (RAP, borrowing caps, the end of SAVE, taxable IDR forgiveness) and what it did not.
- [MFJ vs MFS for student loans](https://attendingfi.com/mfj-vs-mfs-student-loans.html): How married filing status changes an income-driven payment, the tax trade-off, and community-property states.
- [Parent PLUS consolidation deadline 2026](https://attendingfi.com/parent-plus-deadline-2026.html): The June 30, 2026 disbursement deadline to keep IDR/PSLF access on Parent PLUS loans.
- [How IDR payments are calculated](https://attendingfi.com/how-idr-payments-are-calculated.html): Discretionary income, family size and the poverty line, and the IBR and RAP formulas.
- [Refinance vs PSLF](https://attendingfi.com/refinance-vs-pslf.html): What refinancing permanently gives up, when PSLF wins, and the single question that decides it.
- [What counts as a qualifying PSLF employer](https://attendingfi.com/qualifying-pslf-employer.html): Government and 501(c)(3) employers, the W-2 requirement, and the 1099/locum trap.

- [PAYE and ICR ending in 2028](https://attendingfi.com/guides/paye-icr-ending-2028.html): Which income-driven plans are eliminated by July 1, 2028, what happens if you do nothing, PSLF-count preservation, and IBR vs RAP as the successor.

## Methodology
- [How AttendingFi calculates each plan](https://attendingfi.com/methodology.html): Every formula and assumption, with the federal authority behind each plan — 34 CFR Part 685, the Higher Education Act, the 2025 reconciliation law (P.L. 119-21), and IRC §108(f) / ARPA §9675 on forgiveness taxability — plus a changelog of rule changes.

## Comparisons & datasets
- [2026 Physician & Dentist Debt-by-Specialty Report (dataset)](https://attendingfi.com/2026-physician-student-loan-report.html): Original AttendingFi dataset ranking 32 medical & dental specialties by student-loan debt-to-income (median education debt ~$205,000 AAMC for medical specialties, ~$297,800 ADEA for dental). Machine-readable: [CSV](https://attendingfi.com/data/physician-debt-by-specialty-2026.csv), [JSON](https://attendingfi.com/data/physician-debt-by-specialty-2026.json).
- [What replaced SAVE (SAVE vs RAP vs IBR)](https://attendingfi.com/guides/what-replaced-save.html): What happened to the SAVE plan and how to choose between IBR and the new RAP in 2026.
- [State tax on student loan forgiveness (50-state dataset)](https://attendingfi.com/guides/state-tax-on-student-loan-forgiveness.html): State-by-state table of how each state taxes IDR and PSLF forgiveness in 2026. Machine-readable: [CSV](https://attendingfi.com/data/state-tax-on-forgiveness-2026.csv), [JSON](https://attendingfi.com/data/state-tax-on-forgiveness-2026.json).

## Couples & filing-status guides
- [MFJ vs MFS for PSLF](https://attendingfi.com/guides/mfj-vs-mfs-for-pslf.html): Filing separately can lower your PSLF-qualifying payment so more is forgiven tax-free — the trade-off and when it wins.
- [Physician couples & student loans](https://attendingfi.com/guides/physician-couples-and-student-loans.html): PSLF vs refinance, joint vs separate filing, and two borrowers — the 2026 strategy for married physicians.
- [Community property states & PSLF](https://attendingfi.com/guides/community-property-states-and-pslf.html): In the 9 community-property states, income splits 50/50 — how that changes the married-filing-separately math.
- [Is married filing separately worth it?](https://attendingfi.com/guides/is-married-filing-separately-worth-it.html): It lowers your loan payment but raises your tax. The break-even and when MFS actually pays off.

## About
- [AttendingFi home](https://attendingfi.com/): Overview of the free tool and how it works.