IDR, PSLF, Forbearance, or Aggressive Payoff: How Residents Should Actually Think About Student Loans During Training
Student loan decisions during residency carry six-figure consequences, but most residents make them in fifteen-minute windows between shifts. The core question — PSLF or not — determines everything else: whether to use IDR or forbearance, which repayment plan to choose, and whether to minimize payments or pay aggressively. Here’s the actual framework.
AI Validation Gaps Shift Liability Onto Physicians
Health systems are deploying AI clinical decision-support tools faster than evidence can validate their safety, creating a liability gap that falls disproportionately on individual physicians. This emerging risk is reshaping contract negotiations and may soon require explicit indemnification provisions and risk-adjusted compensation structures.