Choosing between two extremes with PAYE

[UnDeletarious]

I have a little under 400k federal loans. Average 6.24% interest. I have the fortune of having my job provide me student loan payments supposedly tax...

[hanesgrafe]

I start medical school in July of this year and my wife and I's goal is to set aside $1000 a month for student loan repayment. Is there any strategy to...

[hoyamd]

Hi,

I'm new to the forum. I appreciate the wealth of information as I am a first generation doctor and come from a low-income family. I'll...

[shagwood]

Hello,

I am brand new to the WCI family and there are many, many things I still have to learn. I am a second-year medical student, and I...

[asdfgghk]

If I file 2022 income taxes, say today (after now making income), will this effect my payments going forward? I'd like to keep that sweet $0/month payment...

[DrMcD]

I've got a newborn & live in FL so figured I should check out the Florida Prepaid plan. I’m already maxing out the 529 plan but wanted to see if...

[Andrew StudentLoanAdvice]

Here's the application for Biden Loan Forgiveness. Will only take you two minutes.

[newbodyrad]

I'm not sure which category this best fits, so hopefully this is the right spot. I just completed residency this year, and we ended up walking away with...

[up975]

My father passed away earlier this year, and as my mother also passed away several years ago, I now face several financial decisions. I've inherited my...

[cfitzge1]

I'm an Anesthesia resident and contemplating doing a Cardiac Fellowship. However, I did a surgical subspecialty before switching to Anesthesia. As a result,...

[jbrody2022]

Hi guys, appreciate all the help I've gotten from reading this site. I do want some advice on the next moves as I start my career Aug 1st.

...

[TokyoDrifting]

Hi! I am rising second year medical student and I am taking out loans this upcoming year. My parents helped me with school for the first year, and I am...

[Rainman902]

Hello,

I am switching from REPAYE to PAYE currently in my last year of training, committed to pursuing PSLF. I am 6 years into repayment....

[DaBears38]

Hey everyone. Thanks in advance for the input. I’ve searched around and spoke to a few CPA’s but haven’t been able to get a straight answer. ...

[Andrew StudentLoanAdvice]

The department of education has announced recent changes which impacts borrowers in the PSLF and IDR forgiveness programs.

A big part of...

[JRGassy]

A physician married to a physician canNOT contribute to a roth IRA when married filling separate but lived together part of the year. I had never heard...

[TenBlade]

Hi all!

I'm graduating from medical school and will be a PGY1 at a 501c3 hospital in a Non-community property state. My loan servicer has...

[2TXDOswkids]

My wife and I are both employed physicians working for 501c3 nonprofit PSLF eligible organizations.
We each have Direct Student Loans held by FedLoan...

[SaturnBorn2819]

As an MD who is 5 years out from graduation, and 2 years away from making an attending salary (400k+ starting salary in my subspecialty), I am looking...

[shamand00]

I’m currently an orthopedic surgery chief resident and will be doing a fellowship next year. In summer of 2023 I’ll be starting my private practice...

[Andrew StudentLoanAdvice]

Just read the recent news that PSLF is beginning to gain traction. Couple of takeaways:

• Since the waiver change in October 2021 70,000 borrowers have

...

[FutureDoc44]

Hi all- looking for tips on how to lower my AGI in residency.

I'm an M4 graduating with 200k in debt, going into an academic specialty with...

[Sereia]

WIC newbie here. I'm in my last year of ONMM residency (Osteopathic Neuromuscular and Manipulative Medicine) and in need of some financial guidance....

[CarabinerWCI]

I have $159k of student loans remaining @ 2.750% (technically it's a personal loan since originating student loan was bought out by bank) with maturation...

[UsedToRuleTheWorld]

What is your recommended strategy to refinance student loans with the best-fixed rate?

Is there a certain company that tends to have better-fixed...

[endofilez]

What are the chances the current student loan payment/interest freeze is extended past September?

[louston2012]

My partner and I are just starting out getting into our personal finances and investments. We do not currently have investment accounts outside of our...

[endofilez]

I’m an endodontist associate, one year out of residency, looking to refinance my student loans. My expected gross income for 2021 is 480-500k (1099/s-Corp)...

[drinkthecoffee]

Hi everyone, first time poster, long-time reader/listener to WCI and other similar podcasts.

I am a MS4 applying academic internal medicine...

[MantisTobogganMD]

Hey all, hope everyone is having a healthy and improved 2021 compared to last year.

My wife and I are in our 2nd years out as attendings;...

[endofilez]

Looks like Biden will extend the freeze on federal student loan payments on his first day in office.

Biden to extend pause on federal student...

[Momo]

Hey folks. I keep going back and forth between paying off debt aggressively, investing in my retirement accounts aggressively (can contribute up to 95K...

[Ecovert]

Hi Everyone,

I spoke with a rep at PSLF earlier today and she made it seem like maybe my issue is common so I thought I'd reach out for advice....

[PulmCCMDoc82]

Hi,
Hoping the collective wisdom of the group can guide me here.
I'm getting closer to my scheduled forgiveness date, about 15 payments to...

[doctorB]

I need a little advice since I have been feeling a overwhelmed coming up with a reasonable plan on how to save for retirement payoff my student loans,...

[kbjj]

Just graduated physical therapy school with $215,407 in debt at 36 years old. 2 consolidation, 3 graduate plus, 5 subsidized and 7 unsubsidized loans....

[doctorobo]

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[mdstream]

Hey! Looking for loan repayment advice.

Incoming Uro PGY1, loan balance $123,000 with rates between 6-6.6%, Single, 5 year residency, not...

[Nickster]

Hello everyone,

This is my first time posting here and wanted to use your collective advice as a sounding board. First I'd like to state...

[trickofthetail]

Hi friends,

I have a colleague in the PSLF program who was a fellow last year (2018 AGI 65k) and an attending this year (2019 AGI more than...

[wciabc123]

Hey there, having a hard time figuring out the best option for me in terms of loan repayment. I'm a lil terrible in financial jargon so I may be overthinking...

[DocKK]

First time poster (HOUSTON, TX)
The stats and background.
Just married in Dec 2019 and trying to figure out what's the best way to file taxes...

[HDSoRA]

Hey all, I'm a first year anesthesia resident, and I have a question about the best type of investment account to open for a 10 year saving goal.
...

[doc4lyfe]

Hi all,

I've read conflicting accounts on what is possible, and what isn't, so was hoping for advice.

I'm on the REPAYE plan...

[FamMed2018]

My wife & I are DINKS (maybe kids in ~1 yr)
Combined salary: $405K
Combined annual bonus: $170K
Combined Student loans: $419K on...

[lmassoth]

I recently refinanced with Sofi at a rate of approximately 3.5% in December of last year after determining that I would not be pursuing PSLF. In the...

[TD23]

Hello all,

I am a 4th-year med student and I financed my medical school training with private loans as our school, graduating its second...

[medstudent]

Hello all,

Graduating MS4 here. Have a couple questions about what to do with my loans now that graduation is on the horizon.
...

[mkphelan]

I am a 27 y/o general dentist. I graduated from dental school in 2018 and completed an advanced education in general dentistry residency for one year...

[loanhelp]

Wife has 600K in grad school loans under REPAYE. We have no other loans.

Combined gross income 300K in HCOL area. I work in tech and wife...

[The White Coat Investor]

Lower interest rate, better service, and hundreds in cash back. What's not to like?

https://www.whitecoatinvestor.com/st...n-refinancing...