提上來接著討論吧。關於新規定最多5萬一年loan和PSLF forgiveness 的計算

如果假設從一年級第一天開始，每年借滿5萬。假設醫學院畢業後要做5年低薪學徒工，從第六年開始掙錢。

假設6-10年年薪30萬： (看下麵紅字，自己已經要付清15萬了？新attending 6-10年平均每年到底掙多少錢？）

還有那個Interest Subsidy， 黃色部分。是說住院醫期間貸款利息不再接著利滾利？

Assuming you borrow the maximum $50,000 per year ($200,000 total) and enter an attending role at $300,000 in Year 6, your goal is to minimize payments to maximize the final tax-free forgiveness at Year 10. [1, 2]

With a $300k salary, you face a "repayment trap": if your income-driven payments are too high, you might accidentally pay off the loan before the 10-year forgiveness mark.

The "Max Forgiveness" Payment Plan

Year [2, 3, 4, 5]	Phase	Est. Salary	Plan	Est. Monthly Payment	Strategy Note
1	Resident	$0*	RAP	$0	Based on your $0 income from M4 year.
2–5	Resident	~$70k	RAP	~$580	Interest Subsidy: Gov pays 100% of unpaid monthly interest.
6	Attending	$300k	IBR	~$2,300	Switch to IBR. This "caps" your payment at the 10-yr standard amount.
7–10	Attending	$300k	IBR	~$2,300	Balance is preserved for forgiveness in Year 10.

 

• Total Paid (10 Years): ~$150,000
• Total Forgiven (Year 10): ~$150,000+ (Includes $200k principal + capped interest). [1, 6, 7]

Critical Strategy Elements

 

• The IBR Cap: At a $300,000 salary, a standard 10% income-driven plan (RAP) would cost you ~$2,500/month. By switching to Income-Based Repayment (IBR), your payment is capped at the 10-year standard amount (~$2,300), leaving more money for the government to forgive later.
• Interest Subsidy: During your 5 years of residency, the Repayment Assistance Plan (RAP) will waive 100% of the interest your small payments don't cover. This keeps your $200k balance from "ballooning" to $300k+ before you reach your high-earning years.
• Lowering AGI: To reduce your payments even further, max out pre-tax retirement accounts like 403(b) or 457(b) and an HSA. This lowers your Adjusted Gross Income, which the government uses to calculate your 10% payment. [2, 4, 5, 6]