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Trainee Reliance on Public Service Loan Forgiveness.

Mitri K Khoury1, R Ellen Jones2, Kristin M Gee2

  • 1University of Texas, Southwestern Medical Center; Department of Surgery; Dallas, Texas; University of Wisconsin, Madison; Department of Surgery; Madison, Wisconsin.

Journal of Surgical Education
|July 16, 2021
PubMed
Summary

Many medical trainees utilize the Public Service Loan Forgiveness (PSLF) program for debt relief, with about 20% reporting it influences career choices. However, most trainees lack a full understanding of PSLF program requirements.

Keywords:
Public service loan forgivenessdebteducationresidentstudent

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Area of Science:

  • Medical Education
  • Public Health Policy
  • Financial Literacy for Physicians

Background:

  • The Public Service Loan Forgiveness (PSLF) program offers federal education debt relief to medical trainees.
  • Understanding the prevalence and impact of PSLF on trainee career decisions is crucial.

Purpose of the Study:

  • To assess the utilization of the PSLF program among medical trainees.
  • To determine the impact of PSLF participation on career choices.
  • To evaluate trainees' comprehension of PSLF eligibility criteria.

Main Methods:

  • An IRB-approved, anonymous online survey was administered to physician trainees across multiple institutions.
  • Survey questions covered demographics, financial status, PSLF participation, career impact, and understanding of program qualifications.

Main Results:

  • 44.5% of 934 respondents were participating in or planning to use PSLF, with surgical specialty trainees showing higher participation rates (53.1%).
  • 19.7% of PSLF participants reported it impacted their career decisions.
  • Only 13.9% of participants correctly identified all PSLF criteria, indicating a significant knowledge gap.

Conclusions:

  • A substantial number of trainees depend on PSLF for loan forgiveness, with a notable percentage experiencing career decision impacts.
  • The majority of trainees demonstrate incomplete understanding of PSLF program requirements.
  • Educational institutions should implement formal training on PSLF to ensure trainees can effectively utilize this benefit.