The Student Loan Resource Page

For several years, I’ve been reading and compiling articles from around the web on all things related to student loans. It can be overwhelming, and there’s a reason a small industry has been spawned to help debtors best deal with their student loan balances.

Most of the time, you will be best off doing one of two things: pursuing Public Service Loan Forgiveness while making the lowest monthly payment possible for ten years or refinancing and paying off the loans relatively quickly (within ten years).

However, sometimes a third option may be better. And doing one of the first two options in an optimal way requires a fair amount of learning and doublechecking, dotting of “i”s and crossing of “t”s.

Below, I share a bevy of resources that can help you do the right thing.

If you don’t have the time or interest level to read dozens of blog posts and run multiple simulations via various online calculators, a student loan consult with a professional can save you many hours and possibly tens of thousands of dollars.

I trust Travis Hornsby and his team at Student Loan Planner. Some financial advisors offer similar services as a small part of their practice, and I’ve heard of a lot of bad advice given.

Student loan planning is all Travis does. It started with helping his physician wife manage hers, then her friends, and the business snowballed from there. Check out what Student Loan Planner has to offer.

If you’re ready to go it alone, read on for tons of resources.


The Student Loan Resource Page


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This is a frequently updated page I’ve created, combing the web for all the best student loan information I can squeeze onto one page and working with refinancers to offer you excellent bonuses.

As an added bonus, if you end up refinancing via my referral links, I’ll make a donation of $50 to your charity of choice. Just be sure to follow up after you’ve refinanced and be sure to collect your cash-back bonus (see below) and ask me to make the donation. More details on that at the end of this page.


I have three goals with this page:


  • Share some of the best posts I can find on the subject.
  • Save you money on refinancing if  that’s your best option.
  • Advance the site’s charitable mission and help you with yours.


I have arrangements with the top student loan refinancers. You may find similar offers on other sites, but I doubt you’ll find another blogger who promises to donate so much of the profits from these referrals to charity.


With that in mind, I am comfortable sending you away to the farthest reaches of the web to show you some of the best write-ups I can find to help you in this decision-making process.

I do so with the trust that if you choose to refinance your loans, you’ll do so by returning here and using one of the links on this page.


As a way of saying thank you, I’ll remind you that if you refinance via one of my links, I’ll donate $50 to a charity of your choice.*

Before closing, please be sure to verify that both you and I receive credit for the referral. If not, you may miss out on the cashback bonus and my bonus donation on your behalf.


**Earnest Welcome Bonus Offer Disclosure: Terms and conditions apply. To qualify for this Earnest Welcome Bonus offer: 1) you must not currently be an Earnest client, or have received the bonus in the past, 2) you must submit a completed student loan refinancing application through the designated PoF link; 3) you must provide a valid email address and a valid checking account number during the application process; and 4) your loan must be fully disbursed. The bonus will be automatically transmitted to your checking account after the final disbursement. There is a limit of one bonus per borrower. This offer is not valid for current Earnest clients who refinance their existing Earnest loans, clients who have previously received a bonus, or with any other bonus offers received from Earnest. Bonus cannot be issued to residents in KY, MA, or MI.
Auto Pay Discount Disclosure: You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in Auto Pay.
Lender Identification Footnote:Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit for a full list of licensed states. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.© 2021 Earnest LLC. All rights reserved.


*Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. If you choose to complete an application, we will conduct a hard credit pull, which may affect your credit score. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.10% effective April 1, 2021 and may increase after consummation.


^^Reset Refinance annual percentage rates (APRs) assume you are enrolled in and maintain auto-debit payments from the date of origination. Enrolling in auto-debit results in a 0.25% interest rate reduction. Without enrolling in auto-debit, the rate will range from 2.99% APR to 6.42% APR. Not all borrowers receive the lowest rate. If you are approved for a loan, the rate offered will depend on your credit profile and the term you select and will be within the ranges shown above assuming the auto-debit interest rate reduction applies. Applicants with loans already owned by ISL Education Lending are not eligible for the $500 offer.


^**Student Loan Refinance Disclaimer 1. Fixed rates from 2.74% APR to 6.39% APR (with AutoPay). Variable rates from 2.25% APR to 6.39% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.25% APR assumes current 1 month LIBOR rate of 0.12% plus 2.38% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. The discount will not reduce the monthly payment; instead, the interest savings are applied to the principal loan balance, which may help pay the loan down faster. Enrolling in autopay is not required to receive a loan from SoFi. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

^Guaranteed Rate Match Offer: Your pre-qualified rate, and the rate match program itself, are conditional upon our verification of your application information, including verification of sufficient income to support an ability to repay. Eligible documentation of a competitor’s rate offer will be determined at SoFi’s sole discretion and must be for the same loan amount and term. SoFi will only match rate offers for private student loan refinance products. The match will be on the rate, exclusive of all discounts. The $100 Rate Match Bonus is not available to residents of Ohio. To receive the $100 Rate Match Bonus, you must: (1) register and/or apply for a student loan refinance (2) provide documentation of an eligible competitive rate offer; (3) call at (855) 456-SOFI (7634) and follow the instructions to send in your proof of lower rate; (4) have and provide a valid US bank account to receive bonus; (5) complete Form W-9; (6) and meet SoFi’s underwriting criteria and book a student loan refinance with SoFi. Once conditions are met and the loan has been disbursed, you will receive your Rate Match bonus via automated clearing house (ACH) into your checking account within 30 calendar days. Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year may be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC in the year received as required by applicable law. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult your tax advisor to determine applicable tax consequences. Additional terms and conditions may apply. SoFi may discontinue this program at any time.  



The Student Loan Resource Page


Blog Posts & Additional Resources



Post from Physician on FIRE:

Posts by Student Loan Planner


Posts from The White Coat Investor:


Posts from Future Proof MD

Posts from Dr. Wise Money


Posts by Live Free MD


Posts by Investing Doc


Posts by Wealthy Doc


Posts by Big Law Investor



Post by Wealthkeel



Posts by Ben White

Resources from AAMC FIRST Program


Posts from Student Loan Hero




Posts from The Simple Dollar


Don’t forget to request your donation!


*To qualify for the $50 donation, I need to have proof that you did indeed refinance through one of the links or images found on this site. That is typically supplied by the refinancing entity, but if you’ve additional evidence, please share that info with me via e-mail.

Also, the charity you choose must be a registered 501(c)(3) charity that accepts tax-deductible donations. I’ll be donating anonymously from our donor advised fund and will send you proof of donation in the form of a receipt.

I can’t donate to a GoFundMe or similar fundraiser; it has to be an actual charitable organization in the eyes of the law. Fortunately, there are more than a million to choose from. Please supply me with as much information as possible (from Guidestar search) to fill out the donation form, which looks something like this.


We have two recommendations for student loan advice. is a White Coat Investor company. It was created to help doctors, dentists, and other high earners tackle and defeat their student debt. Andrew Paulson is the Lead Student Loan Consultant and Co-Founder of with a master’s degree in accounting and a Certified Student Loan Professional (CSLP) designation.  You will receive a customized student loan plan using the principles of The White Coat Investor.  Letting a professional guide you through the best options to manage your loans will save you hours of research and stress and potentially save hundreds to thousands of dollars with your custom student loan plan. Andrew can get you answers to all of your student loan questions, clarity about your financial future and start you down the right path towards financial independence. Book a consult with Andrew at today.



If you’d like advice from a former Vanguard bond trader who has consulted on over 1,000 individual’s and couple’s student loan scenarios, or would like a second opinion, consider a consult from Travis, the Student Loan Planner.

If you owe more than $100,000 in student loans and aren’t 100% sure that you’re doing everything the right way, he finds projected savings of 125 times his consulting fee on average (that one-time fee ranges from $295 to $595). That’s tens of thousands of dollars.

If you’d like a custom plan, book a time at this link .You’ll get a consult form to fill out in your confirmation email. Make sure to mention that you heard about it from Physician on Fire on the consult form (currently question #28).


I've got my 2 acres of non-leveraged, crop-producing, cashflowing farmland via AcreTrader. Get yours.


If and when you’re ready to pull the trigger and refinance your student loans, I sincerely hope you will return to this page, collect your bonus from these links and let me know where you’d like your donation to go!

21 thoughts on “The Student Loan Resource Page”

  1. Subscribe to get more great content like this, an awesome spreadsheet, and more!
  2. This is an incredible resource for student loans! Will definitely be sharing with friends, both online and in real life. Lots of valuable content here to work through and research.

  3. Another mistake I see people making is deferring loans by continuing with higher education.

    Yes, your loans can be deferred while you’re working on a graduate or doctorate degree, but they are still incurring interest, and you’re probably taking out new loans for the higher degree, which just adds to your overall debt.

    So not worth it unless you have a very specific career plan that requires a higher degree. This post is very much helpful and a lot of students didn’t know where they are getting themselves into and then regret it afterwards.

    Hopefully more students would be able to reach this post for them to be reminded. Thank you for sharing this list!

  4. Great resource! You may want to consider adding information about the National Health Service Corps and State Loan Repayment Programs for primary care physicians. There are eligibility requirements and not all physicians are eligible, but it’s tax free money to pay down student loan debt if admitted into the programs.


    Hello all, I want to quickly say a big thanks to Access Quick Loan who resuscitated my business by giving me a loan without requesting me to pay any upfront unlike other loan companies who demands for upfront. It happened that my business crumbled because my husband was so sick and I used my business capital to save his life so I was left with no dine. I contacted so many loan firms and they demanded upfront money from me which I don’t have until I found someone on the internet who testified how he got a loan from the Access Quick Loan without any upfront so I took their contact details, and then contacted them behold they confirmed to me that they don’t take upfront before they give out loans. To cut the long story short they gave me a loan of $100,000.00 USD without any upfront and now my business is back again. Please if you need a quick loan without paying any upfront quickly contact the Access Quick Loan on get your loan now and be happy again.

  6. Start receiving paid survey opportunities in your area of expertise to your email inbox by joining the Curizon community of Physicians and Healthcare Professionals.

    Use our link to Join and you'll also be entered into a drawing for an additional $250 to be awarded to one new registrant referred by Physician on FIRE this month.

  7. Thank you for all of this great content and thank you to everyone that posts and the comments, this is all great information.

    I have a little bit of a complicated situation…

    I am currently a GI fellow in my 2nd year of fellowship. My wife is an attorney working at the law firm in a major city. I am lucky enough to not have any student loan debt however, my wife has around 300k in student loan debt from undergrad and law school at variable interest rates (4.5 to 6.8%). She has previously had late payments/missed payments so we no longer qualify for refinancing through SoFi or any other company that refinances loans.

    We currently have no savings since we just paid for our wedding recently and have had other major expenses. As a result, we are currently not paying off her student loans. Combined we are making $60k after taxes.

    My plan has been to buy a house after fellowship (for the approximate amount of my wife’s student loans, roughly 300k) and pay it off as quickly as we could (using a 15 year mortgage with low interest). After paying off the house, I wanted to take out a home equity loan at a lower interest rate to pay off her loans.

    My question is if this is a good idea and if anyone has had experience with this?

  8. PoF,

    First of all, congratulations on your recent retirement – I hope things are off to a great start! Secondly, thank you for all your fantastic insights via your own content and objective views but also the countless links to other’s (ie. Links and Sunday Best) and the many additional resources you’ve provided (and continue to update!) over the years! This has been beyond helpful in my own FI Journey and I truly appreciate your guidance and time\effort to making this site one of my personal favorites as well as easily one my most recommended (even as a non-physician), so thank you! Lastly, as I’m enjoying a nice cup of coffee this fine overcast morning in beautiful Plymouth, Mn (small world!) looking at this page to see if there are any new student loan refi cash back arbitrage opportunities (now that’s a mouthful), I wanted to reach out to see if you might be willing to donate retroactively per your note above as I just noticed this as well as recently refi’d via your commonbond back in April\May? If so, it’d be great help further support our current\future Gophers via any scholarship fund!

    Fellow Gopher


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