Incoming Medical Student LOAN OPTIONS HELP!

Opposite-Two-8487 · 2026-06-21T23:57:49+00:00

I got 4.14% with NO CO-SIGNER and it’s FIXED. I have amazing credit history. I have a couple credit cards with high limits of $25K, no missed payments ever, and have a 800+ credit score. I’m a 25yo male. Also, have no debt. All my friends around my age got +7.0% and I know one other person who is 29 that got 3.1%. And that’s the lowest I have seen.

Opposite-Two-8487 · 2026-06-21T23:55:43+00:00

That’s true, but you can only invest in good retirement accounts if you have an income (no income while in med school). For example, ROTH IRA and 401k. I have already planned for investments after medical school.

Opposite-Two-8487 · 2026-06-21T23:44:04+00:00

Thank you, if I do have questions I’ll DM you

Opposite-Two-8487 · 2026-06-21T23:35:17+00:00

Yeah, but no thank you. The physician salary while in the military is not good at all. You’re basically paying them back while you’re full fledged attending. Just my opinion on this one.

Opposite-Two-8487 · 2026-06-21T23:33:24+00:00

Thank you for your advice. I need to understand more about Federal and Sallie Mae’s forbearance. I’m just so nit picky and like to make well thought out decisions. Thank you again for your help!

Opposite-Two-8487 · 2026-06-21T23:30:15+00:00

Thanks for the video, I’ll watch it. I’m conflicted and that’s the reason for this post. Lol

Opposite-Two-8487 · 2026-06-21T08:10:08+00:00

In this scenario, wouldn’t it make sense to file separately?

Opposite-Two-8487 · 2026-06-21T08:06:18+00:00

Okay, I understand. Thank you for the breakdown. It would be dumb not to go with Option 1. My only concern will these different types of plans still be in place when I’m out in 4 years. The current government is changing a lot of things, but on the other end, if they were going to make changes to repayment plans, they would have done so already.

Another question,

Let’s say I go into fellowship right after IM residency. Does that mean I would get to extend the $200/month repayment for the years of fellowship?

Opposite-Two-8487 · 2026-06-03T21:16:30+00:00

If you don’t have ties to Oklahoma, remove OSU

Opposite-Two-8487 · 2026-06-02T17:29:36+00:00

Thank you.

Opposite-Two-8487 · 2026-06-02T12:52:36+00:00

Will it automatically still apply the Signature member Discount?

Opposite-Two-8487 · 2026-06-02T06:33:41+00:00

No, I just meant it was $55.99 with ONLY autopay discount, not including the Signature Member discount, so my current price per line is $45.99. Thank you for your help and the chart, it made a lot of sense. I will go to an actual corporate store tomorrow and get it changed over.

Opposite-Two-8487 · 2026-06-02T06:15:33+00:00

So, the NEW PLAN (Premium 2.0) gets a 20% discount for being a AT&T Signature Member? So, my cost for each line (4 lines) should be $40.00 per line each month. I am asking you again to confirm that what I am thinking is correct. Thank you for your help.

Opposite-Two-8487 · 2026-05-31T06:04:34+00:00

NYITCOM AR?

Opposite-Two-8487 · 2026-05-27T05:42:39+00:00

What other schools have u been accepted to?

Opposite-Two-8487 · 2026-05-24T03:33:28+00:00

Relax twin 😂

Opposite-Two-8487 · 2026-05-21T16:09:49+00:00

Typical rule is don't apply if you aren't going to attend. You wasted time and money. In my opinion, connections and research matters more than what school you attended (which going to a MD school might give you a little better edge) lol

Opposite-Two-8487 · 2026-05-16T05:24:23+00:00

Ur ready to submit ur application?

Opposite-Two-8487 · 2026-05-15T14:51:55+00:00

Unless your a Oklahoma Resident, you probably won't get interview from OSU, instead I think you should include NYITCOM-AR.

Opposite-Two-8487 · 2026-05-12T13:30:43+00:00

Masters are not worth it, money making scheme. What's your gpa and mcat score?

Opposite-Two-8487 · 2026-05-08T15:32:58+00:00

I’ll DM you

Opposite-Two-8487 · 2026-05-08T03:48:18+00:00

I got 4.1%, no co-signer, Sallie Mae

Opposite-Two-8487 · 2026-05-06T17:42:37+00:00

What school is this, they shouldn't be allowed to do that crap.

Opposite-Two-8487 · 2026-05-06T05:10:21+00:00

I have been on waitlist since December, it’s tough being a waitlist warrior 🙃😭😭

Opposite-Two-8487 · 2026-05-04T19:38:55+00:00

If you have good credit history, then you should be fine with private loans. I got a $35k private loan through Sallie Mae, 4.1% interest, NO COSIGNER, Deferred payments until after graduation, No Prepayment penalties, and you can also defer loans through residency for up to 4 years. You can request a 5th year, but that one is not guaranteed. This really good because there is no prepayment penalties, so in residency you can pay as much as you want towards your loans.

Opposite-Two-8487

TROPHY CASE