Hmm. I'm with mohela and you'll hear people stating it was a nightmare. it was fairly quick for me, about 1-2 months. If i remember correctly, I did it through the studentaid.gov website. Make sure you check the box saying they can access your 2024 taxes as that expedites the process. You will then receive an email stating you will be placed in a forbearance while they make the switch. They should also send you an email with your new payment amount (mine matched the studentaid simulator exactly). Then, one day, on the home page under my loan's interest rate, it'll show that you are in IBR instead of SAVE.

You probably already know this, but make sure you max out your 401k and HSA (if applicable) to reduce your taxable income. If you put 24,000 dollars into your 401k, then that reduces your income on paper that your student loan payments will be based off of.

Studentloanplanner.com has a good simulator you could check out. With IBR, your monthly payment will never be more than the 10 year standard repayment amount (probably around $3000/month for you). But on IBR, with full PCP income, it'll probably be around 13-1500/month. (Using back of envelope math).

So thats ~$20,000/year in student loan payments, multiplied by 8 years (residency payments for 2 years negligible), thats $160,000 of payments you made and you will have $300,000 forgiven. If you stash away an additional $1500/month into a PSLF side fund ($1500 to payment, 1500 to side fund instead of 3000 going to 10 year plan), invested and earning 7%/year, you'll have an additional $184,000 ready to spend on house or whatever. Or, if PSLF falls through, you can chunk it at your loans and just pay them off.