The student loan landscape changed significantly as a result of the 2025 One Big Beautiful Bill Act (OBBBA), including a new Income Driven Repayment (IDR) program known as RAP and the elimination of some of the old ones. Public Service Loan Forgiveness (PSLF) was not changed, but there WAS a major change that will affect current medical (and other professional) students starting in July 2026. There is now a $50,000 per year/$200,000 total (not indexed to inflation) cap on federal student loans for medical school. Since many medical schools have a cost of attendance higher than that and since many medical students (73%) are borrowing to pay for most, if not all, of the cost of school, a “gap” now exists between what they can get in federal loans and what they need to pay. Only 350 out of 7,333 program-institution combinations have a cost of attendance under $50,000 per year, and pretty much none of those are medical or dental schools.…