Managing Medical Student Debt Managing Medical Student Debt Service-based Loan RepaymentLearn about federally sponsored loan repayment programs, as well as scholarship programs for medical students.Refinancing Student LoansWhen the loan numbers get high, small changes in loan interest rates can make a big difference. Loan Consolidation or RefinancingGuidance is provided on the differences between loan consolidation and loan refinancing.Armed Forces Health Professional Scholarship ProgramFully-trained clinicians are eligible for loan repayment in exchange for service in an armed forces community. Advertising Disclaimer Additional Information It's no secret that pediatric residents graduate with significant educational debt. The AAP has tracked this trend for nearly 10 years. These data may help you see how your debt load compares to that of your peers. Trends in Average Educational Debt Among Graduating Pediatric Residents