managing-medical-student-debt AAP.org > Professional Resources > Practice Transformation > Managing Your Career > Managing Medical Student Debt Managing Your CareerEarly Career DecisionsFiguring Out What's Right for YouAssessing the CommunitySalaryPractice OptionsPractice TypesCorporate PracticesIntegrated Delivery SystemsHospital Based PracticeAcademic MedicineHospitalistsLocum TenensJob Search ProcessPedsJobsRecruitersNetworkingStart Early and Stay in the SearchPrepare a Curriculum Vitae and Cover LetterInterviewingNegotiating an AgreementPhysician CompensationPhysician Compensation ModelsPhysician Compensation: ACO'sManaging Medical Student DebtLoan Consolidation or RefinancingAAP Program for Loan RepaymentRe-financing Student LoansService-based Loan RepaymentArmed Forces Health Professional Scholarship ProgramLoan Consolidation or Refinancing AAP Program for Loan Repayment Re-financing Student Loans Service-based Loan Repayment Armed Forces Health Professional Scholarship Program Career TransitionsSwitching to Part-time from Full-timeRe-entering Clinical PracticeMoving from Clinical to Administrative PositionsPreparing for RetirementBasics of Medical Liability - Lifelong Career ProtectionPhysician Health and WellnessEstablishing a New Private PracticeMaking Business DecisionsWriting a Business PlanGetting a LoanCredentialingWorking with a ConsultantObtaining Insurance CoverageSetting Up a Computer System Managing Medical Student Debt Loan Consolidation or Refinancing Guidance is provided on the differences between loan consolidation and loan refinancing. AAP Program for Loan Repayment AAP Affinity program for refinancing your student loans. Re-financing Student Loans When the loan numbers get high, small changes in loan interest rates can make a big difference. Service-based Loan Repayment Learn about federally sponsored loan repayment programs, as well as scholarship programs for medical students. Armed Forces Health Professional Scholarship Program Fully-trained clinicians are eligible for loan repayment in exchange for service in an armed forces community. 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 Advertising Disclaimer