I'm a first year pediatric nephrology fellow with about $300k in student loan debt. Since my 1st year of residency I've been making payments through the IBR plan that qualify for PSLF. Based on ACGME data it looks like starting attending salaries in my field are around $125-150k/year. I've been doing some moonlighting on the side during fellowship and plan to continue to this to earn extra income.
Once I am an attending I will be tied to an academic medical center like most sub-specialists in my field. At some institutions the hospital writes the paycheck whereas others have a physicians' organization tied to the hospital that cuts the check, so I could potentially no longer be making qualifying PSLF payments. How common is the former vs. the latter for paying attending salaries? Additionally, if I were making qualifying PSLF payments as an attending but took up moonlighting on the side at a hospital that is not a 501c3 or non-profit organization, would I no longer be eligible for PSLF?
Once I am an attending I will be tied to an academic medical center like most sub-specialists in my field. At some institutions the hospital writes the paycheck whereas others have a physicians' organization tied to the hospital that cuts the check, so I could potentially no longer be making qualifying PSLF payments. How common is the former vs. the latter for paying attending salaries? Additionally, if I were making qualifying PSLF payments as an attending but took up moonlighting on the side at a hospital that is not a 501c3 or non-profit organization, would I no longer be eligible for PSLF?
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