In general, this is a lump sum payment to someone with relatively little money, so insidiously unfair to the applicant. As you know single lump sum is often way less expensive than many other things like a better salary or comp structure or benefits, but residents would do a lot of things for $100,000 check.
Ive never heard of it coming free and clear except one time that I think is a bizarre exception.
The most common thing is you have to pay it back if you leave before some fixed time. This 100% locks staff in jobs, see it all the time. It doesnt really need to be a lock in at a physician salary though. My advice is just plan for the cost, various ways to do that.
Im confused by this post. If you are able to negotiate on salary, Id do that now. I cant believe anyone would raise their salary right now due to lack of applicants.
Im doing PSLF and had to pay loans for a while while working. The loan assistants can still help you potentially. I have paid wayyyy more out of pocket since graduating residency that Ive ever seen offered in loan assistance.
If you've done the math and converting the loan assist to some other benefit that helps you more, thats a really good negotiation proposal IMO.