I’ve been waiting for this clarification for months. Earlier in May, the final regulations on student loans dropped — and it changes everything for residents. 🚨 This could save residents $50,000-$100,000 in student loans. Here’s the bottom line: you can switch between RAP and IBR during training💰 Why it matters: Right now, every month you’re in IBR or PAYE, your loan balance grows. 📈 Interest piles on. By the time you finish a 5-year residency, your $200,000 in loans will increase to close to $300,000. 😩 RAP fixes that. ✅ Here’s what happens. In RAP: 🔹 ANY unpaid interest after your payment is waived (ie forgiven - it just goes away) AND you get a $50 monthly subsidy. The result? Your student loans debt actually goes DOWN during training instead of up. 📉 This gives you time to decide on your final plan to pay it off aggressively yourself after training or to pursue PSLF. Without having to watch your debt burden skyrocket. Before this, residents were going to have to choose RAP or IBR and stick with it without knowing if they made the right decision. Let’s say you enroll in RAP intern year. Then in PGY-5 year you choose your path: 🏥 PSLF path → switch to IBR as an attending (your RAP payments count towards PSLF) 💸 Aggressive payoff → stay in RAP and then refinance after training You don’t have to decide your whole financial future as an intern. You just have to stop the bleed. 🩹 Who should do this? 1) 100% of single residents 2) Most married residents 🚨 The trap that ruins everything: If you consolidate and your consolidation loan disburses AFTER July 1, 2026, the new loan disburses post-cutoff. IBR is gone. Forever. ⛔ You’re locked into RAP for life. The play: 1️⃣ 99% of single residents (and most married residents) should enroll in RAP the moment it’s available 2️⃣ Do NOT consolidate if loan will disburse after July 1, 2026 3️⃣ Decide IBR vs. RAP at the end of training PLEASE share this and send it to friends. It’ll save them a ton of money. #medtwitter

I think you’ve missed the point. I’ve been doing inpatient medicine for 27 years. I’ve never seen a hospital onset pyelonephritis. No one else i know has either. What you’re talking doesn’t happen. You are being fooled by urine and missing the actual source.

If you're a millennial it's time to pick your midlife crisis: 1. Quitting alcohol 2. Running 10 miles before work 3. Divorce 4. Panic baby at 35 with wife you hate 5. Pickleball 6. ADHD diagnosis 7. Dressing like you did in 2004 8. Blacking out every weekend like you’re 21 9. Weekly hinge dates 10. Ice baths and saunas 11. Board games and craft beer in the suburbs 12. Getting into tattoos 13. Quitting your job to explore your “passions” 14. Plants and the environment 15. Traveling