Navigating Student Loans for Medical Residents: Dr. Stephanie Moss Interviews Dr. Jonah Moss
In this episode, Dr. Stephanie Moss hosts an in-depth discussion with her husband, Dr. Jonah Moss, an intern transitioning to his second-year residency in neurology. They delve into the intricacies of managing student loans during medical residency. Dr. Jonah Moss shares his personal experiences and provides insights into various student loan repayment options such as the Federal government's SAVE income-driven repayment plan, the benefits of consolidating loans, and the nuances of refinancing.
The episode also covers the implications of filing taxes separately, and the importance of timing when consolidating loans. Their advice is especially targeted at medical residents navigating the complex world of student debt while transitioning into their careers.
Workbook: https://medpsycmoss.com/store/p_3287196/medical-school-workbook
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Visit website at https://medpsycmoss.com transcripts, blog posts, and resources
Listen to Podcast “Life as a Patient-Doctor:
Youtube: https://youtube.com/playlist?list=PLUfheMZYKjA8xJN3_tzjvvCWGn8HKh_Rt&si=erIIirgQyAsEkBR4
Spotify: https://open.spotify.com/show/685WDhQHXulbCmh2siIOp3
Apple: https://podcasts.apple.com/us/podcast/life-as-a-patient-doctor/id1719637283
Email: medpsycmosss@gmail.com
Editors: Dr. Moss & Tamryn Hall, MS4
***This episode is for educational purposes only and is not intended nor implied to be a substitute for professional medical/financial advice, diagnosis or treatment. All opinions voiced are the opinions of the speakers and not reflective of any institution. Please follow up with your health provider and therapist for any additional questions or support.***
Chapters:
0:00 Sneak Peak
01:38 Introduction and Guest Welcome
01:41 Meet Dr. Jonah Moss
02:42 Understanding Medical School Debt
04:12 Loan Repayment Basics
08:24 Consolidation vs. Refinancing
11:58 Public vs Private Rates
15:23 How to pay little or nothing
17:43 Income-Driven Repayment Plans
20:52 Options After Residency
22:03 Will this go away?
23:23 Impact of Income
25:05 File Together or Seperate?
28:44 Can you Switch Programs?
31:55 Sneak Peak of Part 2: PSLF
34:54 Filing Status and Loan Repayment
37:36 Final Thoughts and Resources
38:24 IMPORTANT: Consolidation Timing and Forbearance
