Four ways to pay off
$240k in clinical training debt.

Built for clinicians — physicians, NPs, PAs, nurses, and allied health. Compare PSLF, IDR, refinancing, and the standard plan side by side. See what each one really costs, and what one extra shift a week on Folio could change.

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Your situation

Career stage

Specialty

Total principal

Interest rate

Monthly payment (Standard 10-year)

$/ mo

Attending income: $265,000Median for Attending — year 1. Edit to match.

The strategies, weighed

Tap a strategy to see it on the chart. Edit the monthly payment to model your own plan.

Standard 10-year

Fixed payments. Done in 10. Highest monthly, lowest total interest.

Private refinance

Lower rate. Same ~10-year term. Forfeits federal protections (no PSLF).

Income-driven (RAP)

Payment scales with income. Forgiveness at 20-25 yrs (taxable).

PSLF track

10 years at qualifying nonprofit/gov employer. Tax-free forgiveness.

Don’t skip this. Toggle any loan repayment programs you’d consider below. Most clinicians qualify for at least one, and they can wipe out $50k–$200k of debt in exchange for a service commitment. The chart updates immediately.

Loan repayment programs

Service-based debt payoff. Credits apply after the service window completes.

Add side income with Folio

Edit the hours and rate below to match your situation.

hrs/wk×$/hr=$960/wk

Default rate is a typical Folio range for your career — edit to match an actual role.

Disclaimer: assumes all Folio earnings go toward loans.

Standard 10-year

Without FolioWith Folio

Total paid

Without Folio$349k

With Folio$282k

$67k saved

Debt-free in

Without Folio9 yr 11 mo

With Folio4 yr 1 mo

5 yr 10 mo sooner

Assumptions

Income-driven payments approximate the upcoming Repayment Assistance Plan (RAP) at ~10% of discretionary income above $25k. PSLF assumes employment at a qualifying nonprofit or government employer for 120 consecutive qualifying months. Refinancing assumes a typical 6.5% private rate at training end; rates vary.

LRP credits apply after the stated service commitment completes. Folio income is taxed at your estimated marginal bracket based on career stage and specialty. Not financial advice — consult a financial advisor for decisions about your specific situation.