4th year medical student graduating in a couple days, will be starting Residency on July 1st. Currently have 300k in Loans. Am lost with navigating what to do. Nelnet shows my payments will begin in July 2028, not sure why as I'll start working on July 1st 2026. Will this change automatically? Do I need to enroll in an IDR plan right now? If I'm interested in RAP, should I just wait until July 1st to apply? Appreciate any help/advice! submitted by /u/k0alaty [link] [comments]