Calculators
Free debt-planning simulator for medical students, residents, and physicians comparing PSLF, refinancing, and aggressive payoff strategies
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A free, browser-based calculator that models medical school debt repayment strategies with 21 specialty presets, comparing PSLF, refinancing, and aggressive
MedDebt Calculator is an independent, free debt-planning tool for medical students, residents, and attending physicians. It runs entirely in your browser, comparing three repayment strategies side-by-side: PSLF (Public Service Loan Forgiveness), refinancing to private loans, and aggressive payoff. The calculator includes 21 specialty presets with attending salaries and residency lengths, models income-driven repayment plans, projects loan balances and net worth year-by-year, and tracks progress toward 120 qualifying PSLF payments. All data stays on your device—nothing is stored, tracked, or sold. The tool is free and always will be; a paid Pro tier adds automated PSLF tracking, policy alerts, and unlimited AI questions.
Pricing model: Freemium
Free tier: full calculator, all 21 specialty presets, strategy comparison, 3 saved scenarios, 15 AI Co-Pilot questions per day. Pro: $29/month or $199/year (save $150 annually)—adds PSLF payment tracker with reminders, refinancing window alerts, policy change alerts, unlimited scenarios, unlimited A
According to the AAMC 2024 Graduation Questionnaire, the average medical school debt at graduation is $202,450, with 73% of MD graduates carrying federal student debt. Debt varies by specialty: primary care physicians average $198,000–$213,000 while surgical subspecialists average $237,000–$258,000. By the end of residency, balances are typically 15–25% higher due to interest accrual at 8.08% on unsubsidized loans.
PSLF is generally better for primary care physicians (family medicine, pediatrics, internal medicine, psychiatry) working at nonprofit hospitals or academic medical centers, where PSLF can save $80,000–$150,000 compared to aggressive payoff. Aggressive payoff is better for high-earning surgical subspecialists (neurosurgery, orthopedics) at for-profit employers, where a low debt-to-income ratio makes rapid paydown practical. The MedDebt Calculator compares both side-by-side with your exact numbers.
At the current unsubsidized graduate loan rate of 8.08%, a $202,450 balance accrues roughly $16,358 in interest per year. Over a 3-year residency (family medicine, emergency medicine) that is approximately $50,900 in unpaid interest. Over a 5-year residency (general surgery, radiology) that is approximately $101,800. This accrued interest capitalizes when repayment begins, permanently increasing the principal balance.
As of 2026, IBR (Income-Based Repayment) is the recommended IDR plan for most physicians pursuing PSLF. The SAVE plan was eliminated by the 8th Circuit on March 10, 2026, and PAYE/ICR are phased out for new enrollees after July 1, 2026. For loans disbursed on or after July 1, 2026, RAP (Repayment Assistance Plan) is required. IBR caps payments at 10% of discretionary income for post-July 2014 borrowers and provides PSLF-qualifying payments.
No—refinancing during residency is almost never the right move. Refinancing converts federal loans to private, permanently eliminating access to PSLF, IBR, and federal forbearance. This removes your safety net during years when income is lowest and financial obligations are highest.
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MedDebt Calculator has a free listing. The owner can unlock the full profile with a paid launch for $5:
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