Learn how moonlighting income affects IDR payments, AGI, and PSLF planning, and how residents can avoid overpaying on student loans.
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Learn how Roth IRA conversions during residency can inflate your AGI, spike IDR payments, and cost thousands. Avoid this tax trap now.
Real resident salaries by PGY, net take-home after taxes, and what that income realistically covers - housing, loans, food, transport. Read how to budget.
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Moonlighting and Benefits
Sign-On Bonuses Are 'Free Money'? The Payback Terms Explained
Learn how physician sign-on bonuses really work, repayment traps, tax implications, and how to avoid costly contract mistakes before you sign.
Negotiating Physician Contracts
What Counts as a Good Sign-On Bonus for New Attendings Today?
Learn what counts as a good sign-on bonus for new attendings in 2024-25, with typical ranges, negotiation tips, and key red flags.
Student Loan Management
What If My Med School Debt Hits 500K? How Bad Is It Really for My Future?
Facing $500K med school debt? Learn realistic repayment options, how SAVE/IDR eases payments, and strategies to manage debt without derailing your career.
Student Loan Management
Married With Loans: Practical Tactics to Coordinate Tax and Payments
Optimize married tax filing and student loan payments: compare MFJ vs MFS, model IDR plans (SAVE) and cut combined tax+loan costs across years.
Student Loan Management
How to Build an Emergency Fund While Still Attacking Student Loans
Build an emergency fund while attacking student loans: clear rules, 60/30/10 allocations, risk-based scenarios to protect income and accelerate payoff.
Physician Salaries
Signing Bonus Blind Spots: Repayment, Clawbacks, and Fine Print Risks
Avoid costly signing bonus pitfalls: learn about repayment, clawbacks, relocation payback, and contract fine print to protect physicians' finances.
Visa Options for IMGs
Salary and Loan-Repayment Patterns for J-1 Waiver vs. H-1B Attending IMGs
Compare J-1 waiver vs H-1B IMG salaries and loan-repayment patterns, learn pay gaps, negotiation tactics, and how visa type affects earnings. Get tips.