Make the right call on your student loans.

MedLoanIQ helps medical residents and new attendings compare IBR vs RAP repayment plans, optimize PSLF strategy, and find the path that saves the most money.

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No credit card required for free access  ·  Built for physicians, by physicians

What does MedLoanIQ do?

Federal student loan repayment is genuinely complex for physicians. Your income jumps 4–5× at graduation, PSLF has a 10-year qualifying window, and the wrong plan choice can cost $50,000–$150,000. MedLoanIQ runs the math so you don't have to guess.

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IBR vs RAP Comparison

Side-by-side monthly payment, total cost, and loan balance projections for both plans across your full PSLF window.

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PSLF Optimizer

Find your optimal switch year — when to move from RAP to IBR to minimize payments while maximizing forgiveness.

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Filing Status Analysis

Model the impact of filing jointly vs. separately on your payments, and find the break-even point for your household.

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Consolidation Modeling

See exactly how consolidating pre-2014 loans would change your eligibility, payments, and forgiveness timeline.

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Visual Charts & Tables

Year-by-year payment schedules, balance curves, and cumulative cost graphs — all exportable for your own planning.

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AI Assistant

Ask plain-English questions about your results. Claude explains the tradeoffs, flags unusual patterns, and helps you understand what matters.

IBR vs RAP monthly payment comparison chart
Monthly payment comparison across your full PSLF window — residency through attending, with the 10-year standard payment cap shown.
Year-by-year color-coded payment table
Color-coded year-by-year table showing payments, balances, and the government RAP subsidy you'd receive each year.
Loan balance over time
Loan balance over time — see how RAP's government subsidy drives your balance down faster.
Running total loan costs
Running total of all payments made — compare the cumulative cost of each plan through your PSLF window.

Simple, transparent pricing

Start free. Upgrade when you need the advanced features.

Free
$0 / forever
Core IBR vs RAP analysis — no credit card needed
  • IBR vs RAP comparison
  • Payment & balance charts
  • Year-by-year payment table
  • 5,000 AI tokens/day
  • Filing status analysis
  • Consolidation modeling
  • Custom year-by-year entry
  • Salary crossover analysis
Start Free
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Standard
$39 / mo + tax
Full feature access for residents & fellows
  • Everything in Free
  • Filing status comparison
  • Consolidation modeling
  • Custom year-by-year entry
  • 15,000 AI tokens/day
  • Salary crossover analysis
  • Fellowship impact modeling
  • Priority AI responses
Upgrade — $39/mo
Premium
$59 / mo + tax
For attendings with complex situations
  • Everything in Standard
  • Fellowship impact modeling
  • 30,000 AI tokens/day
  • Priority AI responses
  • Early access to new features
  • Email support
Upgrade — $59/mo

Before you continue

Please read and acknowledge the following before using the tool.

Important Disclaimers

Not financial or legal advice. MedLoanIQ is a modeling and educational tool. It does not constitute financial, legal, or tax advice. The calculations are estimates based on the inputs you provide and publicly available repayment formulas.

Verify with your servicer. Your actual loan terms, payment amounts, and PSLF eligibility must be confirmed with your loan servicer (MOHELA or equivalent). Your 10-year standard payment cap may differ from what this tool calculates — always verify your exact cap directly.

Rules change. Federal student loan repayment programs are subject to legislative and regulatory changes. The RAP program, IBR rates, and PSLF rules were accurate as of early 2026 but may change. Consult a qualified financial advisor for decisions involving large sums.

Tax implications. Filing jointly vs. separately has significant tax consequences beyond what this tool models. Always consult a CPA or tax advisor before changing your filing status.

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