New Student Loan Rules: The $100K Mistake

One student loan decision in the next few weeks could cost — or save — a physician six figures.

On May 1, 2026, the Department of Education finalized the 134-page rule rewriting federal student loan repayment. Dr. Jimmy Turner goes solo to break down what changed and the moves that protect six figures.

What you'll learn:

• Why the July 1, 2026 cutoff decide whether you keep IBR at all
• The consolidation trap that can permanently lock residents out of IBR
• The RAP interest subsidy that keeps a $300K balance from ballooning during residency
• The RAP-to-IBR playbook for PSLF: which payments count, and when to switch
• Married or in a community property state? How filing separately changes the math

Resources:

• Every doctor needs their own occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability 
• Have private loans? You should refinance those to the interest rate you can find. To do that, check out Juno: https://moneymeetsmedicine.com/JUNO
• Looking for a new CPA? Use the one Jimmy uses (Gelt). Get a 10% discount when working with them here: https://moneymeetsmedicine.com/CPA
• Looking to save $100 on a student loan consult? Visit moneymeetsmedicine.com/loans

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