Real Life Story Of Public Service Loan Forgiveness Success

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Concerns over Public Service Loan Forgiveness (PSLF) continue. Will it pan out or not? Have you thrown in the towel already and refinanced to private student loans? It may be a big mistake to pull the plug on it completely. Do what you need to do to be approved and fully forgiven.

In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Indranil Sen-Gupta, a physician and faculty member for the University of California at Irvine School of Medicine. Indranil shares how he received PSLF. Now, he is done with PSLF and his balance is zero!

Topics Discussed:

  • PSLF vs. FFEL: Be aware of loan programs and requirements
  • PSLF Qualified Payment Plans:
    • Pay-As-You-Earn (PAYE)
    • Revised PAYE (REPAYE)
    • Income-Based Repayment (IBR)
    • Income Contingent Repayment (ICR)
  • COVID and Cash Flow: Admin freeze led to qualified zero-dollar payments
  • PSLF or Job (or Both): What should come first? What’s more important?
  • Qualified Employer: Keep/update form, certify/track payments, match accounts
  • Timeline: Getting forgiveness is happening, just takes time to achieve
  • In Retrospect: Pay little to zero first year and minimize adjusted gross income


Indranil Sen-Gupta

Public Service Loan Forgiveness (PSLF)

PSLF Waiver

Federal Family Education Loan (FFEL) Program

PSLF Limited Waiver Opportunity Huge Benefit For Physicians

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Finance for Physicians