PGYield publishes educational calculators for premeds, medical students, residents, fellows and attending physicians. Everything on this site is an estimate for learning and planning.
Not advice
Nothing here is financial, investment, tax or legal advice, and using PGYield doesn’t create an adviser, accountant or attorney relationship. PGYield is not a registered investment adviser, broker-dealer, tax preparer or law firm. Talk to a qualified professional before acting on any result.
Estimates can be wrong
- Results depend on the numbers you enter and on assumptions we state beside each result, such as investment returns, raises, inflation and future rules.
- Tax, student loan and housing rules change. Each rule carries its source and effective date on the Sources page, and values we’re still checking are marked there.
- We simplify some rules (for example, a few state phase-outs and local taxes). Your actual tax return, loan servicer or lender is the final word.
- Past market returns don’t guarantee future ones. Simulations show a range, not a promise.
Student loans and forgiveness
Repayment plan and forgiveness estimates follow published Department of Education rules as we understand them. Eligibility is decided by your servicer and the Department, not by PGYield.
No warranty
PGYield is provided as is, without warranties of any kind. To the extent the law allows, we aren’t liable for decisions made or losses incurred from using the site.
Last updated October 14, 2026