This document, “2025 Student Loan Repayment Quickstart for Clinicians” by RouteFin, is a guide for healthcare professionals to navigate student loan repayment options, specifically focusing on the SAVE and Standard 10-year plans.

Key takeaways:

• RouteFin’s Mission: RouteFin aims to provide financial guidance tailored for healthcare professionals, offering tools, expert advice, and community support to help manage debt, build savings, and achieve financial freedom. They emphasize that the healthcare system doesn’t teach wealth building, but they do.

• Starting Point (Loan Snapshot): Before choosing a repayment plan, the guide advises clinicians to gather a “snapshot” of their loan details, including loan types, balances, servicers (highlighting FFEL or Perkins loans), employment situation (especially PSLF eligibility), and key dates like income recertification and consolidation deadlines.

• 2-Minute Repayment Triage: This section offers a quick questionnaire to help determine if SAVE or Standard 10-year is the best fit:
  • PSLF-eligible employer? Yes → SAVE. No → go to Q2.
  • Want lowest payment today with forgiveness later? Yes → SAVE. No → go to Q3.
  • Income steady, not aiming for PSLF, want fastest payoff? Yes → Compare SAVE vs Standard (Standard often wins for speed). No/Unsure → go to Q4.
  • Unsure about forgiveness eligibility or payment strategy? Yes → SAVE is the safer default.

• 15-Minute Action Plan: A five-step plan for taking control of student loans:
  1. Confirm Your Snapshot: Review loan details on StudentAid.gov.
  2. Choose Your Plan: Default to SAVE if PSLF-eligible; otherwise, compare SAVE and Standard.
  3. Handle Consolidation Timing: Decide on consolidation for FFEL or Perkins loans, being mindful of its impact on forgiveness progress.
  4. Take Action & Enroll: Enroll in the chosen plan and submit/update the Employment Certification Form if PSLF applies.
  5. Prevent Surprises: Set calendar reminders for annual income recertification and save important documents.

Conclusion: The guide encourages users to stay organized and revisit their plan as life changes, highlighting RouteFin’s upcoming community and platform for ongoing support.

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