PSLF Still Safe? SAVE Ending, RAP Next, and the Tax Bomb Trap

If you’re on an income-driven repayment plan and you’re not 100% sure what path you’re on, you could be walking into a six-figure mistake.

Kristin sits down with Kaitlin Hile (PharmD, BCCP) to answer the student loan questions clinicians keep asking—what’s happening with SAVE, how RAP works, how recertifying income changes your payment, and how people accidentally end up in taxable loan forgiveness with a massive tax bill.

Inside, you’ll hear:

• What’s actually replacing SAVE and what to expect with RAP
• The recertification detail most people miss (tax return vs pay stub)
• How pre-tax moves can lower your payment (when you recertify the right way)
• The PSLF eligibility check that prevents “false confidence”
• The difference between PSLF vs taxable forgiveness, and why the tax bill shocks people
• Whether PSLF still looks safe—and the real risk most borrowers ignore

If you’re not 100% clear on your repayment path and your total cost, don’t guess.

Book a call with the Millionaires in Medicine Team and we’ll map your student loan strategy, confirm your PSLF eligibility (if relevant), and make sure you’re not set up for an ugly surprise later

Links & Resources

1. Book a coaching call
2. PSLF Employer Search Tool (Federal Student Aid)

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.