The first piece of student loan advice I can give you is the simplest. Yet, it is also the most important: Your loans are not going to magically disappear. Despite this being self-evident, physicians frequently stick their heads in the sand when it comes to student loan management.
The most common question I get from my residents is whether they should refinance their loans or pursue public service loan forgiveness. The best rule of thumb that I’ve found to help sort through this problem is the Debt to Income Ratio (DIR).
If you file your taxes as “Single” and have (non-private) student loan debt in training, then REPAYE will be the right program for you the vast majority of the time.