STUDENT LOAN AND FINANCIAL BEST PRACTICES FOR 2019 SGU ...
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STUDENT LOAN AND FINANCIAL BEST PRACTICES FOR 2019 SGU MEDICAL SCHOOL GRADUATES
Presented by Jason DiLorenzo Founder & Executive Director
SGU Graduate Profile Repayment Marketplace Overview Loan Forgiveness and Legislation Update Payment & Savings Case Studies Refinancing vs. Consolidation Training "Exit Interview" Budgeting and other Financial Considerations Available Resources, Q&A
Changes in Student Debt Levels
Debt levels have quadrupled in the last 20 years
2000 SGU 2017 SGU 2018-19
Physician Salaries by Specialty
? Anesthesia: ? Emergency: : ? Family Medicine: ? IM, General: ? OBGYN: ? Pediatrics: ? Psychiatry: ? Surgery, General: ? Surgery, Neuro:
$250k $280k $183k $185k $219k $167k $208k $328k $680k
Your future salary and sector of
employment should inform your action
Your Loan Portfolio
Federal Loans: (Stafford, Grad PLUS) ? Federal Stafford: Fixed Rate 6.6% (since July 1st 2018) ? Unsubsidized: all interest accrues ? Direct Graduate PLUS: Fixed Rate 7.6% (all interest accrues)
Private Loans: ? Generally not as competitive as federal loans for students ? Sometimes necessary for residency search (relocation) or other expenses not related to education ? Interest rates vary, can be fixed or variable
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