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    Even if you expect PSLF, live like a resident anyway until you save up enough money on the side that you can pay off the debt in case PSLF goes away (or is capped) and you aren’t grandfathered in.

    So start at the upper left, with medical school graduation.“People are borrowing twice as much as they were a decade ago because grants and scholarships are not keeping up with the escalating costs of college,” says Mark Kantrowitz, the publisher of Fin and Fast Web.com, free online financial-aid resources.To wit: Graduates of the class of 2011 have an average of ,200 in debt, up from about ,600 in 2001.I’m still getting lots and lots of questions about what to do with your student loans.Although there are sometimes exceptions, it is helpful for borrowers, particularly medical school borrowers, to see the rules of thumb all mapped out in a helpful way.

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