Filing Taxes With Student Loans: What Physicians Need to Know

In this episode of A Good Problem to Have, I walk through how your tax choices can directly impact your student loan payments, especially if you’re pursuing PSLF.

Whether you’re in training or already an attending, decisions like filing jointly versus separately, filing on time versus filing an extension, and even which repayment plan you’re on can change your monthly payment by thousands of dollars a year.

Some topics of discussion:

• Why this gets especially tricky for married borrowers
• How community property states complicate everything
• Why this is one of those situations where working with a student-loan-aware CPA really matters
• How tax filing timing can be used strategically to manage income-driven repayment calculations
• Why many physicians need to rethink plans like SAVE if PSLF is the goal