• Set Yourself Up For Success Webinar

    October 6, 2021 at 2 PM Eastern/11 AM Pacific
    SDN and Osmosis are teaming up to help you get set up for success this school year! We'll be covering study tips, healthy habits, and meeting mentors.

    Register Now!

  • Funniest Story on the Job Contest Starts Now!

    Contest starts now and ends September 27th. Winner will receive a special user banner and $10 Amazon Gift card!

  • Site Updates Coming Next Week

    Site updates are coming next week on Monday, Wednesday, and Friday. Click the button below to learn more!


Student loan repayment strategy for dermatology


New Member
2+ Year Member
Jan 13, 2019
Hi guys, I just graduated from med school. I was wondering how everyone opted to pay off their student loans. Given that many dermatology residents go into private practice after training (my plan as of right now), how likely is it to actually get PSLF? I borrowed 150k in total - currently deciding between income-driven repayment vs. private refinancing. Would love to learn what derm residents/attending typically do. Thanks so much!


Senior Member
Moderator Emeritus
15+ Year Member
Jun 12, 2006
  1. Attending Physician
Take your time figuring it out and hedge your bets in REPAYE (due to the interest subsidy). Consolidate federal loans into one loan to attempt to get out of the grace period ASAP. Interest is 0% anyway until September so you might as well have these months count for you as payments of $0.
  • Like
Reactions: 1 users


Full Member
7+ Year Member
Jun 1, 2013
I think everyone's individual financial situation is different. I did REPAYE until I got married (in which case I couldn't do REPAYE anymore), then refinanced into private loans (and refinanced a few times afterwards to get even lower rates). I know lots of people still on the PSLF plan even as attendings, though.
  • Like
Reactions: 1 user
About the Ads
This thread is more than 1 year old.

Your message may be considered spam for the following reasons:

  1. Your new thread title is very short, and likely is unhelpful.
  2. Your reply is very short and likely does not add anything to the thread.
  3. Your reply is very long and likely does not add anything to the thread.
  4. It is very likely that it does not need any further discussion and thus bumping it serves no purpose.
  5. Your message is mostly quotes or spoilers.
  6. Your reply has occurred very quickly after a previous reply and likely does not add anything to the thread.
  7. This thread is locked.