The difference between paying off my loans with a hammer and doing public service loan forgiveness is saving $300,000 doing the PSLF program. This is, provided that after 4 years of EM Residency I find a 501c3 job for 6 years. I'm into research so academics fits me personality wise. I do not know how difficult it is to get a job in 'academics'. So I'm asking the big picture question: How many 501c3 jobs are out there? (Vs jobs at hospitals that can very well be non-for-profit, but are contracting to an EM group that is a for-profit employer, employing the EM docs within the non-for-profit hospital, thereby disqualifying them for PSLF) More in the community than you would expect? Next to none in the community? Just about all the 'major' academic centers? Fewer academic institutions than you would think?