What You'll Get in 90 Seconds
Upload your federal loan file and answer a few quick questions. You'll receive an instant, personalized snapshot of your student loans, including payment scenarios you can explore yourself.
Upload Your MyStudentData File
Your NSLDS data file contains everything we need to give you a clear picture of your federal loans, repayment plan, and PSLF progress.
How to get your file
- Go to studentaid.gov and log in with your FSA ID
- Navigate to My Aid → Download My Aid Data
- Download the MyStudentData.txt file
- Upload it below
📄 Drag & drop your MyStudentData.txt here
or click to browse
Analyzing your loan data...
Your Student Loan Strategy Starts Here
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When you graduate from medical school, your federal student loans typically enter a six month grace period before required payments begin.
For most physicians graduating in May, this means the grace period ends around November, and the first required payment typically begins shortly after. PSLF credit begins with your first qualifying payment.
Many residents move through this transition without realizing that the decisions made during this short window can significantly affect what their payments look like during training.
For many borrowers, monthly student loan payments during residency can land around $300 to $600 per month, depending on income, loan balance, and how repayment is set up.
That's great. Many residents who understand how this transition works are able to secure very low or even $0 monthly payments during residency.
One of the most important steps is e-filing your prior year tax return (2025) before starting residency. Even if you had little or no income during medical school, submitting that return can play an important role when enrolling in an Income-Driven Repayment plan.
When this timing is handled correctly, many residents are able to begin training with extremely low payments.
If you earned income during medical school or are married, the strategy can look a little different. In those situations, $0 payments may not always be possible, but there are often still opportunities to significantly reduce what your monthly payment would otherwise be.
If you would like a simple step-by-step walkthrough of how this process works, I created a guide specifically for graduating medical students.
Open the MS4 GuideIf you are graduating this year and want a second set of eyes on your situation, I reserve two free MS4 loan reviews each Friday for readers of my newsletter.
Join the MS4 NewsletterThis is one of the biggest opportunities many residents overlook.
With the right setup during the transition from medical school to residency, many physicians are able to begin training with $0 or very low monthly payments on their federal student loans.
One of the most important steps is e-filing your prior year tax return (2025) before residency begins. Even if you had little or no income during medical school, submitting that return can play a major role when enrolling in an Income-Driven Repayment plan.
When this timing is handled correctly, many residents are able to start training with extremely low payments.
If you earned income during medical school or are married, the strategy can be a little more nuanced. While $0 payments may not always be possible in those cases, there are often still ways to significantly reduce what your payments would otherwise be.
If you would like a clear step-by-step walkthrough of this transition, you can download the MS4 guide below.
Open the MS4 GuideIf you are graduating this year and want help reviewing your situation, I reserve two free MS4 loan reviews each Friday for readers of my newsletter.
Join the MS4 NewsletterThis snapshot reflects your most recent federal loan file and the information you provided. If you have recently submitted a PSLF certification, changed repayment plans, consolidated loans, or switched employers, those updates may not yet be reflected.
This tool is designed to help you understand your options. It is not personalized financial advice, and results depend on the accuracy of your inputs.
Estimates, projections, and timelines may change based on future income, repayment choices, and program rules.
For the most accurate and up-to-date information, confirm details with your loan servicer or studentaid.gov.
Most borrowers come in with a few specific questions. Select all that apply to you.
Ready to build your student loan strategy?
In a one-hour Student Loan Strategy Session, we take what you are trying to solve and turn it into a clear plan based on your income, career, and goals.
I help med students, residents, fellows, and early-career attendings turn complex student loan decisions into clear next steps.
For educational purposes only. Not personalized financial advice.