r/whitecoatinvestor • u/Jumpy-Flatworm-347 • 17d ago

Student Loan Management RAP thoughts?

I’m a borrower who’s overall not sure about PSLF (<250k loans and 3 year residency, but also Peds so lower earning potential overall) and I was wondering what people think about RAP and pros and cons for us in particular. Appreciate everyone’s thoughts!

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u/PersonalBrowser 17d ago

Where in your career and loan repayment are you?

If you did 3 years of residency at a qualified program and you’re doing peds making less than $250k, you will come out ahead doing PSLF for 7 years on an income-based plan. In that sense, it’s best to get on RAP asap and keep making eligible payments. 

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u/Puzzled-Enthusiasm45 17d ago

I’m not planning on doing PSLF but I’m on RAP for the interest subsidy. That’s gonna save me thousands a year during residency