Understand your medical school debt. Plan your financial future.
A calculator built by physicians for the medical training path: compare federal repayment plans side by side and see how each one shapes your net worth over the next 10, 20, 30, and 40 years.
Free to use. No sign-up required.
Your loans are unique to medicine.
Your calculator should be too.
Generic loan calculators don't understand a resident's salary, the attending jump, or a 3–7 year training timeline. Ours was built around them.
Compare repayment plans
See federal repayment options side by side — monthly payments, total paid, loan balance over time, and forgiveness — updated for the 2026 plan changes.
Project your net worth
Loans are only half the picture. Factor in savings, investing, and salary growth to see your projected net worth at 10, 20, 30, and 40 years.
Built for medicine
Enter your residency length, resident and attending salaries, and family details. The model follows the actual physician career path, not a generic one.
Federal repayment plans changed in 2026
The SAVE plan has been eliminated, and the new Repayment Assistance Plan (RAP) launched on July 1, 2026. PAYE and ICR are closed to new enrollment and sunset in 2028; IBR remains for existing borrowers. Former SAVE borrowers need to choose a new plan — the differences can amount to hundreds of thousands of dollars over a career.
Three steps to a clearer picture
About five minutes with numbers you already know — no account, no documents to upload.
Enter your details
Loan balance, interest rate, residency length, expected salaries, savings habits, and family size.
Compare your plans
See monthly payments, total amount paid, and payoff or forgiveness timing under each repayment plan.
See your future
Follow your projected net worth across decades and test how investment returns change the outcome.
Made by people who've been in your shoes
Debts Doctor started as a personal spreadsheet built during medical school — because no free tool showed how repayment plans would actually affect a physician's finances.
Nikolas Marino, MD MBA
Academic hospitalist, hospital-at-home medical director, AI task force lead, and COO of Capsulent. Built the original calculator as a medical student to see what each repayment plan would mean for his own finances.
Jeff Bettag, MD
Neurology resident at Vanderbilt. Joined in 2023 to turn a personal project into a public resource for students, residents, and attendings.
Stay up to date
Occasional updates when federal repayment rules change. Unsubscribe anytime.