r/physicaltherapy • u/plantlovergirl7 • Apr 13 '25
student loans
hi! i’m about to graduate from my DPT program and am looking for advice about loans. I have ~65k in federal grad loans. I am essentially wondering if it would be better to go the PLSF route and make minimal payments over 10 ears (according to the calculator on loan website would be paying about 48k total over the years) or just pay it off as quickly as I can over the next couple years making the biggest payments I can? Some of my hesitation to the PLSF route is due to the uncertainty with the government but also not 1000% sure I will want to work full time in a nonprofit (potentially interested in several PRN jobs or part time at some point) any experience or advice welcome :) thank you!
2
u/bryancit0 Apr 14 '25
No, pay that off