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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All features included  ·  No credit card required  ·  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. Includes a MFJ vs MFS Tax Comparison Tool to calculate your actual tax cost.

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Consolidation Modeling

See exactly how consolidating your loans would change your interest rate, payments, and total cost to forgiveness.

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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.

All features included

Full access to every tool — no credit card required.

MedLoanIQ
$0 / preview
Complete student loan repayment analysis for medical professionals
  • IBR vs RAP comparison
  • Payment & balance charts
  • Year-by-year payment table
  • Filing status comparison
  • Consolidation modeling
  • Custom year-by-year entry
  • Salary crossover analysis
  • Fellowship impact modeling
  • AI-powered Q&A
  • MFJ vs MFS tax comparison tool
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Before you continue

Please read and acknowledge the following before using MedLoanIQ.

Important — Read This

MedLoanIQ is software, not advice. MedLoanIQ models student loan repayment scenarios. It does not provide financial, legal, tax, or investment advice. Using MedLoanIQ does not create any advisory relationship. You are the decision-maker.

The Tool's output may be wrong. Calculations, comparisons, and recommendations shown by the Tool are estimates based on the inputs you provide, publicly available formulas, and assumptions about a federal loan program landscape that changes. They may contain errors. They may not reflect your specific loan terms, current rules, or facts particular to your situation.

AI responses may be wrong. If you use the AI features, responses are generated by a language model and may contain factual errors, outdated information, or misapplied rules. AI responses are not reviewed by a professional. Treat them as one input to your thinking, never as instructions.

Do not rely on MedLoanIQ alone for decisions. Student loan choices — plan selection, filing status, consolidation, PSLF strategy — can have six-figure consequences and are often hard to reverse. Before acting, independently verify your assumptions with your loan servicer and other authoritative sources. You are responsible for your decisions and their outcomes.

One purchase, one borrower. Paid access lets you analyze one borrower's loan situation per purchase (or you and your spouse jointly, if applicable). If you need to run analyses for additional borrowers, please purchase additional access. All sales are final; refunds are not issued for decisions you made or for changes in your circumstances.

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By continuing, you also agree to the full Terms of Use.