What would your monthly student loan payments be under New REPAYE, PAYE, Old REPAYE and IBR? Once you become an attending, you’ll earn $200,000 adjusted up for inflation. Hence, you’d make $130,000 for this “in-between” year. For half the year, you’d make a resident income of $60,000, but the other half the year, you’d make an attending income of $200,000. You’ll finish your residency in July 2024. Pretend you’re a resident physician making $60,000 for the next four years. You’d also like a calculation to know if you should refinance your student loan debt. You know what you’re paying now, but you’d probably like to know what you could be paying in five years too.

Predict Your New REPAYE Monthly Payment vs. You can also compare PSLF to non-PSLF forgiveness options, to review how loan terms like monthly payment amount, repayment term length, interest rate and state of residence will result in the long term. Here are the payment plans that you can model with the REPAYE and student loan forgiveness calculator above. Student Loan Forgiveness Calculator (w/ New REPAYE).