Physician Finance
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PSLF rules are changing in 2026. What doctors need to know about residency credit, the SAVE-to-RAP shift, and what to do right now.
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PSLF rules are changing in 2026. What doctors need to know about residency credit, the SAVE-to-RAP shift, and what to do right now.
Tony Colunga
Jun 25, 2026
11 min readHow to set up withholding, handle signing bonuses, and maximize retirement contributions in your first year as an attending.
Tony Colunga
Jun 11, 2026
7 min readThe eight most common and costly financial mistakes new physicians make after training, and how to sidestep each one.
Tony Colunga
May 27, 2026
4 min readFinancial planning strategies for physicians navigating career transitions, student loans, investing, taxes, and long-term wealth building.
Tony Colunga
May 13, 2026
4 min readHow year-end financial planning gives physicians clarity on taxes, investments, and long-term goals before the new year.
Tony Colunga
Apr 29, 2026
3 min readWhy December is the ideal time for physicians to organize their finances, review the year, and set up the next one.
Tony Colunga
Dec 14, 2025
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Browse all articlesFree physician brief
SAVE was eliminated. RAP replaced it and qualifies for PSLF — the new Tiered Standard Plan does not. A physician placed on the wrong plan keeps paying every month and earns zero PSLF credit. Four pages, sourced, with the four things to check this month.
PDF · 4 pages · updated August 2026
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