So you're a fourth year medical student that's worried about the interview season and don't care about much past your email account. However, you can save some decent money for when you're in that awesome program you loved on the interview trail. If you submit a tax return for this year and you make no money as a medical student, you can have zero payments towards your loans for intern year. You submit in april this year since you matched like the baller you are and apply for repaye or one of the other programs. The government will pay half of your interest. Your half will be 10% of the 0 dollars you earned this year which means no payment until april of your pgy1 year. Then you apply in april of your pgy1 year with your pgy1 level pay for your pgy2 year. This will save you maybe $3,000 for that first year. When you submit a tax return for your pgy1 year, you can apply for the lifetime learning credit which will refund up to $2,000 on your tax return for that year. Now you have $5,000 to put in your Roth IRA and the magic of compound interest will be revealed.