Hi all,

    Seeking advice regarding what to do with my federal student loans. Currently in forbearance with SAVE. Have ~$208K in loans (only from medical school), currently have 55 qualifying payments from when I started payments in 11/2019 until 05/2024 after which SAVE went on forbearance. Residency, fellowship, and new job all PSLF eligible. Salary at new job is ~$600K, which I started right after finishing training in July 2025. Single, but getting married soon (also a physician with no student loans). No dependents.

    Goal would be to take advantage of loan forgiveness if I would be paying significantly less that way, but if relatively close, I'd be okay just paying down the loans aggressively and getting it done with sooner. I've tried to look at some calculators to figure out on my own, but they've just made my head spin (if anyone has found a good one, please share the link!)

    Wondering if I should:

    1. Stick with SAVE for now, switch to a different IDR when forced, and utilize the Buyback when eligible?
    2. Switch to a different IDR (IBR, PAYE) now before my 2025 taxes are submitted, start making payments now and utilize the Buyback when eligible. My AGI from 2024 (PGY5-6 years of fellowship) is ~$101K, would be about ~$350K for 2025, ~$600+ years after).
    3. Start aggressively playing off my loans now.
    4. Other options/advice?

    Thanks everyone for your help! Let me know if any more information is needed or would be helpful.

    Stuck in SAVE plan, what to do?
    byu/Foreverlurking123 inStudentLoans



    Posted by Foreverlurking123

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