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Your Profile2
Loans & Career3
Your ResultsYour personalised report begins here
Your Name
Specialty · Career Stage
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Educational Modelling Notice
This tool provides illustrative, mathematical estimates based on your inputs. It does not provide financial, legal, or tax advice. Verify all repayment paths with a licensed professional and your loan servicer before executing decisions.
👤Personal Details
Specialty & Career Stage
Employer Type
🏦Federal Loan Details
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💼Income & Career Timeline
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Unusual Input Flagged
Two salaries, two phases
Your current stipend sets your low IBR payment during training. Your expected attending salary determines your IBR payment for the remaining PSLF months and your debt-to-income ratio. Both are required to model your full loan journey.
1.0×
At ≥0.5× with a nonprofit employer, PSLF almost certainly wins.
High Vulnerability ConfigurationYou are modelling a high debt-to-income layout (>2.0×) in a for-profit environment. Forfeiting federal PSLF protections here carries high compounding interest risk. We recommend a custom stress-test with an advisor.
Timeline & Filing
🔄Refinancing Scenario
Refinancing is Permanent and Irreversible
Once you refinance federal loans to private, PSLF, IBR, and all federal income-driven protections are gone forever. We model both paths so you see the exact cost of each decision.
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