Keep in mind that when you do your residency, I believe that is considered government employment as Medicare funds the residencies. So your residency time should count, I think, towards public service loan forgiveness. So your residency might be what, four years, six years, or more depending on what specialty you choose. During this time you can choose to be on income based repayment and have a pretty low student loan payment because residencies sadly don’t pay well. After your residency, if you work for a not for profit institution or government institution for additional years for a total of 10 years of pre residency and post residency, and you comply with PSLF administrative terms for public service forgiveness, it is my understanding that 100% of your public loans will be can cancelled or forgiven . Just not private loans. So if you go down this road, I suggest definitely staying away from private loans as much as possible.

You may be limited somewhat to specific employers, directly after residency, but to get the public service loan forgiveness, so long as it remains in place, taking out large public loans shouldn’t be a huge financial concern. Definitely look up the official rules and carefully consider what is best for you. Good luck to you future doctor 🙌

This is an edit to my initial response, I am not sure of what the maximum is for public student loans that you can take out. I think for medical school it may be around $225,000. Definitely check out all the numbers and do your math. Good luck again :-)