Student Loan Resources

NYU Grossman School of Medicine

Your student loan journey is one of a kind. This page offers tailored resources to help employees in your specific hospital navigate repayment options with confidence and ease. Whether you’re navigating Public Service Loan Forgiveness (PSLF) or choosing the best repayment plan, the strategies and resources below are here to help you make informed decisions.

a guide for the incoming resident

Early in Your Residency Journey?
Whether you’re about to begin or you’re already in your first year, this is the ideal time to set your student loans up the right way. Making the right moves now can help you qualify for forgiveness, lock in low payments, and avoid the common mistakes that cost new doctors time and money. This guide will walk you through exactly what to do in your first months of training. And if you’d like personalized help, we offer one-on-one sessions to make sure everything is in place from the start.

You can use the self-help information below to review your loans on your own, or schedule with us—we offer two complimentary one-on-one loan meetings to make sure everything is set up correctly. Click Here to Schedule Your Free Meeting.

Key Information & Points of Contact
Step 1 File a Tax Return for Your Final Year of Medical School
Step 2 Consider Consolidating Your Loans to Skip the Grace Period
Step 3 Apply for Income-Driven Repayment (IDR)
Step 4 Submit Your First PSLF Form
Step 5 Set a Reminder to Recertify Annually

A guide for current Medical Residents & Fellows

Mastering the Training Years?
Once you’re a year or more into training, you’ve likely already made some initial choices about repayment—but the real work of staying on track is just beginning. The information you were once told may have already changed multiple times, and it’s important to make sure your plan reflects the latest rules. This stage is about confirming your payments are being counted correctly, planning around recertification dates, and adjusting your strategy as your income changes. With major program updates expected in the coming years, now is the time to double-check your progress, avoid common pitfalls, and make sure you’re building toward forgiveness (or a clear payoff strategy) the right way.

You can use the self-help information below to review your loans on your own, or schedule with us—we offer two complimentary one-on-one loan meetings to make sure everything is set up correctly.

Key Information & Points of Contact
Step 1  Review Your Current Repayment Plan
Step 2 Understand How Your Income Affects Payments
Step 3 Clarify Your PSLF Eligibility (If Applicable)
Step 4 Explore Payoff vs. Forgiveness Scenarios
Step 5 Keep Track of Your Loan History and Employment Certs

a guide for attending physicians

Mastering the Attending Years?
As an attending, your student loan strategy often needs a complete reset. The plan you started in residency may no longer fit your income, tax situation, or long-term goals—and the rules have likely changed since you last reviewed them. At this stage, the focus shifts to making sure your payments are optimized, your PSLF progress is being tracked correctly (if eligible), and your broader financial decisions—like tax filing status or retirement contributions—are working in tandem with your loan strategy.

With major program updates expected in the coming years, now is the time to double-check your repayment plan, avoid costly missteps, and ensure you’re building toward forgiveness or payoff in the most efficient way possible.

You can use the self-help information below to review your loans on your own, or schedule with us—we offer two complimentary one-on-one loan meetings to make sure everything is aligned with your current stage of practice.

Key Information & Points of Contact
Step 1 Review Your Current Repayment Plan
Step 2 Understand How Your Income Affects Payments
Step 3 Clarify Your PSLF Eligibility (If Applicable)
Step 4 Explore Payoff vs. Forgiveness Scenarios

Because you are a part of a non-profit hospital program - you qualify for student loan forgiveness.

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(239) 449-800
Bartsingleton@doctorsstudentloancare.com

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