u/Pretend_Dream_9456

I am going into dermatology. I am not sure if I want to work in academics and pursue PSLF or private practice. I took a research year between M3 and M4 so I consolidated a chunk of my loans and I’m currently in IBR payment for those loans. I’m trying to decide if I should consolidate all of my loans and go into the new RAP payment plan and start making low payments while my income is still quite low. Does anyone have any advice? I think just not knowing if I want to pursue PSLF is the biggest thing for me. Of note I’m in about 400k of debt.

With RAP out now i’m struggling to decide which makes more sense for my repayment. I’m not sure if I want to pursue Fellowship or if I want to work in an academic setting so I’m not sure if I want to do PSLF. Are any financially sound people in the audience to give their opinions? Just started PGY1.

Just need to vent. Eldest daughter. Just graduated medical school. Out to dinner with family for siblings birthday who really dislikes our father, so much so that they’ll have weeks of not coming out of their room to avoid them. Things were better. Tolerable. Can’t visit for siblings birthday so I suggested going to dinner early while I’m visiting. They agreed. Wow! Ok nice! Sit down. Waiter is gay. Uhoh. Dad is not only narcissistic but homophobic. Starts muttering under his breath stank face already. Someone comments can we not do this now. Starts arguing with them. “Who asked you?” “No one was talking to you”. Birthday sibling yells at him. “Can you not do this for once. We’re celebrating my birthday. She graduated. Can we not fucking do this”. Silent treatment rest of dinner. Woe is me. No one appreciates me. I’m just an ATM (btw providing for your children is basic parenting skills). Leaves after he eats. Birthday sibling doesn’t touch their food. Just a fucking mess. I’m so tired and numb. Thanks for listening.

Update- forgot to mention what actually prompted the spiral was other sibling telling ndad he can leave then if he doesn’t like it.