Aptus founder Sarah Catherine Gutierrez collaborated on a paper recently published in the Journal of Graduate Medical Education. The title is “What Should I Do With My Student Loans?” The paper provides an overview of the options available to physicians with educational debt. There are essentially two viable routes for student loan debt reduction. Option 1 is to enter the Public Student Loan Forgiveness (PSLF) program, take a job with the government or a non-profit, set up an income-based repayment program, keep up with your employment certifications, make 120 qualifying payments and your debt will be forgiven. Option 2 is to take a private sector job, refinance your loans into a lower rate agreement (perhaps a variable rate) and pay the debt down as quickly as possible. Unfortunately, the detailed choices can be somewhat complicated and the paper lays out the options in an easily understandable way.