For medical students, residents and fellows
The money side of training, from the first loan to the first contract.
The financial education medical school left out, and the tools that apply it: the PSLF Guardian, the contract check, the paycheck decoder and a question bank written like board questions. Free for every member. No ads, commissions, referrals, or data sales.
Built by Jonathan Shafer, DO — Family Medicine· About →
What each stage gets.
Seven in ten physicians leave medical school in debt, and the median for those who do is $205,000. The AAMC’s own repayment scenarios for that balance run from about $133,000 paid under PSLF to as much as $455,000 without it, over ten to twenty-three years. The difference is decided by paperwork nobody teaches, and it shapes the first fifteen years of a career. Every screen here exists to get it right.
The same account all the way through. Pick your stage and the curriculum starts there; the tools are all open from the first sign-in.
Medical students
Median education debt for the indebted class of 2024 was $205,000. The loan modules cover the repayment plans and PSLF before the first payment is due, the question bank is written like board questions, and every specialty’s pay page is open before you rank a list.
Lessons for medical studentsResidents
Payments made during training at a qualifying employer count toward the 120. The PSLF Guardian keeps that count and checks the employer. The moonlighting calculator shows what a shift is worth after tax, and the refinancing calculator shows what refinancing would cost in forgiveness.
Lessons for residentsFellows and the first contract
The contract check reads an offer clause by clause: non-compete, tail coverage, the bonus formula. The first-attending-paycheck module covers the twelve months around the transition, and the wRVU tracker is ready for the first production report.
Lessons for fellowsWhat we do not do
No commissions. No referral fees. No products to sell you.
Most physician financial services earn from you through commissions, referral fees, or product sales. Attending Financial charges nothing and earns nothing from any recommendation it makes; it is funded by its founder. The commitments are written down on the no-conflicts page.
What it actually does
Built for the specific decisions physicians actually face.
PSLF tracking that works
Verify employer eligibility against the Department of Education’s database. Track payment counts accurately. Get reminders before annual recertification deadlines. The platform exists specifically because PSLF administration is hostile and physicians lose forgiveness they earned.
Contract reading before you sign
Upload your attending contract. Get a structured analysis of the terms most physicians miss: non-compete scope, malpractice tail coverage, productivity bonus formulas, call coverage definitions. Ten analyses a year are included free once your account is a week old.
Calculations physicians need
Refinancing impact on PSLF eligibility. Moonlighting tax implications. Income-driven repayment optimization. Retirement contribution pacing. And if PSLF is not your path — non-qualifying employer, high-earning spouse — the refinance-vs-forgiveness decision gets the same rigor, not an afterthought: the refinancing calculator is free, no account.
Education without conflicts of interest
Modules on PSLF, first attending year financial decisions, retirement account strategy, and physician-specific tax considerations. Written by a physician who has made these decisions, not by financial advisors trying to sell you products.
Quick answers to common questions.
Nothing to buy. Start with the PSLF lesson, or make the account.
Everything on this page is open the moment you sign in. Leave anytime; your data exports with you.