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Student Doctor Network

Schools Database

Loan Repayment Planning

2026 Health Professions Student Loan Calculator

Estimate payoff timing, monthly payment, total interest, and total paid across SDN health professions school data.

Plan total student loan burden and repayment plan

Compare student loan payoff estimates using reviewed SDN profession debt data, current federal loan-rate metadata, and physician specialty salary data provided courtesy of Marit Health.

1

Prior student loans

Current federal balance from undergraduate study.

Current federal balance from prior graduate study.

Private loans or education debt outside the federal totals.

Use the weighted average rate for prior educational loans if known. Compare against current reviewed federal student loan rates5 .

Federal loans are often eligible for in-school deferment, but unsubsidized and PLUS interest can still accrue.2

Used only when continuing payments before the new repayment start date.

Advanced federal borrowing history

These optional totals improve cap estimates when current balances differ from the amounts counted by Federal Student Aid. Leave blank to use the debt balances above.

2

Profession and school

Physician searches MD and DO medical schools.

Defaults to professional for current calculator pathways. Confirm against your program's FSA classification.

Choose Yes only if your financial aid office confirms eligibility.

Enter the school's six-digit CIP classification if known; the entered classification remains the estimate's source of truth.

Federal limits and professional-program classifications follow current Federal Student Aid guidance.9

Using tuition and location context for Rutgers Robert Wood Johnson Medical School.3

3

School cost assumptions

Tuition for selected basis.3

$36,000 per year.4

Loan timing assumes school-year borrowing is disbursed on July 1 and January 1 during each academic year, with interest beginning as funds are disbursed.

4

Physician specialty and earnings

Select a specialty to use Marit Health salary data.

Median salary: $252,480

Interest accrues with no payment during internship, residency, or fellowship.

Medical/dental residency forbearance and income-driven repayment can be modeled here.2

Monthly payment during training

$0/mo

No required monthly payment during residency or fellowship.

Used only for the IDR-style training payment estimate.

IDR estimate uses 10.0% of discretionary income above 150% of the 2026 HHS poverty guideline.

Custom payment made each month during residency or fellowship.

5

Scholarships and loan repayment programs

Optional program support can be modeled after selecting an eligible program.8

Repayment programs are modeled as an equivalent monthly contribution during service.

6

Repayment plan and loan terms

Rates are assigned by borrowing source

The estimate uses the reviewed Direct Unsubsidized and Grad PLUS rates, your private-loan assumption, and the prior-debt rate above. The payoff schedule uses their principal-weighted average.5

Standard fixed repayment amortizes the balance over the selected term.

25%

Used for income-sensitive repayment and experiment scenarios.

Private loan assumptions

There is no single authoritative market default. These user-approved planning defaults are editable; actual lender disclosures control.

Modeled as fixed-rate, deferred while enrolled, six-month grace, accrued interest capitalized at repayment, and no default-probability adjustment. The selected overall repayment term still controls the aggregate payoff projection.6

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Repayment summary

Your repayment summary will update as you adjust the calculator.

Estimated borrowing sources

Professional program limits under OBBB.

Federal principal
$200,000
Private funding estimate
$134,662
Net school funding need
$332,548
Origination fees withheld
$2,114
Year Rules Federal Private
2026–27 New limits $50,000 $33,666
2027–28 New limits $50,000 $33,666
2028–29 New limits $50,000 $33,666
2029–30 New limits $50,000 $33,666

Federal limits apply to gross principal. Fees are withheld, so principal can exceed the amount delivered for school costs.

Is it worth it?

Repayment experiments

Select Test it to apply an option and move to the updated payoff estimate.

Repayment Graph

Loan burden and repayment plan from first disbursement through final payment.

AI interface
Month Phase Payment Balance

Salary data

Physician specialty salary data is provided courtesy of Marit Health.

Sources and assumptions

  1. Federal Direct Loan disbursement timing follows U.S. Department of Education Federal Student Aid guidance that Direct Loan funds are disbursed by payment period; loan interest is modeled as daily simple interest on outstanding principal, with unpaid pre-repayment interest capitalized at repayment start for the amortization table. Federal Student Aid Handbook · Federal Student Aid interest guide
  2. Existing educational debt and post-graduate training payment options reflect Federal Student Aid guidance for deferment, forbearance, and income-driven repayment: eligible loans may qualify for in-school deferment, medical/dental internship or residency forbearance may be available, IDR payments are based on income and family size, and unpaid interest can accrue unless the borrower makes payments. Federal Student Aid deferment · Federal Student Aid forbearance · Federal Student Aid IDR overview
  3. School options, profession filtering, school program length, location context, and tuition values use reviewed Schools Database school records. Students should adjust annual tuition when a school financial aid package differs from the Schools Database tuition value.
  4. Schools Database local living-cost estimates use reviewed federal cost-of-living inputs when available, including Bureau of Economic Analysis Regional Price Parities and HUD data used for ZIP-to-CBSA geography and Fair Market Rent context. BEA Regional Price Parities · HUD USPS ZIP Code Crosswalk · HUD Fair Market Rents
  5. Federal loan-rate metadata uses the FSA Partners 2026-27 Direct Loan rate announcement for loans first disbursed on or after July 1, 2026, and before July 1, 2027; the reviewed graduate/professional Direct Unsubsidized rate is 8.07% and Direct PLUS rate is 9.07%. FSA Partners rate announcement
  6. No government source establishes one representative private-loan rate, term, or repayment behavior for the whole market. The calculator therefore uses editable planning assumptions: 10% fixed interest, a 10-year illustrative term, deferred in-school payments, six-month grace, capitalization at repayment, and no origination fee or default-probability adjustment. Actual lender disclosures control. CFPB private education loan disclosure requirements
  7. Physician specialty salary data is provided courtesy of Marit Health.
  8. Scholarship and loan repayment program options are profession-filtered using public program descriptions from military HPSP, Indian Health Service, National Health Service Corps, U.S. Public Health Service, VA EDRP, USDA VMLRP, and NIH LRP. Students should confirm eligibility, award amount, tax treatment, and service obligation with the program sponsor before relying on an estimate.
  9. Federal borrowing estimates use Federal Student Aid's 2026 loan-limit guidance and operative professional-program classification list. New graduate limits are modeled at $20,500 annually and $100,000 aggregate; new professional limits at $50,000 annually and $200,000 aggregate; and the combined Title IV lifetime limit at $257,500. Confirm classification and grandfathered eligibility with the school's financial aid office. Federal origination fees are modeled at 1.057% for Direct Unsubsidized and 4.228% for Direct PLUS loans first disbursed in the applicable award period. FSA loan-limit FAQ · FSA professional-program list · FSA origination-fee announcement