u/khanstipation

Trying to see what the best repayment options are. I think I’d prioritize lowest amount paid.

I’m a new IM attending in a VHCOL location.

I have a per diem job at a PSLF eligible hospital with full time hours making roughly 300-400k a year. I also have another part time job at a separate PSLF eligible hospital making ~100k a year and a third 1099 job with maybe 60-80k a year.

Notably I just graduated residency so obviously this 2026 fiscal year will be making half resident, half attending salary.

Unclear how long I’d continue with all 3 jobs, likely after a year or two may decrease hours but regardless, wanted to know what my best repayment options would be moving forward.

I don’t own a home but would like to potentially buy eventually in a few years but otherwise my only debt is just shy of 347k principal with current total being 366k in student loans via Direct Unsubsidized and Grad Plus loans that were consolidated in 2023 after I graduated med school with a 6% interest on current SAVE forbearance.
In terms of assets I have roughly 200k in Roth accounts and additional 35k in HYSA.

I am on the SAVE plan in current forbearance with 14 payments already towards PSLF. I understand buybacks are a thing that could be in play in the future but understand it’s up in the air.

Other things I filed as single with ~88k last year annual gross. Next year considering filing for an extension in tax returns if that helps with monthly payments.

No other dependents currently.

Moving forward it seems like IBR might be the best but seemingly marginal difference when compared to RAP with RAP being better in certain scenarios. Would appreciate insight.

My gut inclination is to aim for lowest total paid but can be persuaded otherwise. If there’s any additional info needed I’m happy to share.

Thanks in advance for the help!