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Studying for the Texas Jurisprudence Exam

10.20.13 // Medicine

Update April 2024:

My book is up-to-date and has remained the go-to resource for taking the physician JP exam since its release.

Update September 2019:

As of 9/1/2019, the TMB has moved the test to be self-administered online, which is great. The price has also decreased to $34 per attempt with unlimited attempts, which is also great.

They are now also offering their own practice materials, which you can rent limited access to until you pass the test for $99. You do not need to buy those pricey materials. Early feedback is that tested material (like the laws) is unchanged and my book (which is revised periodically and currently up-to-date) remains sufficient for preparation. Given the low cost of the exam and the ability to retake endlessly, I personally would suggest applicants buy my book (or something else inexpensive), read it 1-2 times, and immediately take the exam. The exam is short, and a re-take is cheaper than other materials would be.

Update January 2016:

In the years since I took the JP exam, the other resources have gotten older but otherwise haven’t changed in substance or price. The landscape has changed in only one significant way: In order to fill the missing void for a concise but readable up-to-date resource for busy doctors (and broke residents), I wrote one. I’m super biased, but I think it’s overall the best, most affordable, and most palatable study option out there. Thousands of people agree.

 

You can buy the ebook here:

Buy The Texas Jurisprudence Exam: A Concise Review

 

My original thoughts remain below.

The Texas jurisprudence exam is an irritating last hurrah on your way to getting your license. As a doctor, you’ve taken USMLE Steps 1, 2CS/CK, and 3. The JP exam is not like those tests, in many ways, but particularly because this one is easy. Somewhere between three and five hours of high-yield review should be sufficient. However, don’t take this relative ease further and attempt the test cold. It’s idiosyncratic enough that you need to give the key information a solid once-over in order to pass.

The test costs $58. For this reason (and the fact that it’s extremely approachable difficulty-wise), I find it amusing that both the “recommended” resources and the major online option are so ridiculously expensive. The UTMB book is $100, the TMA Manual is $145, and the accompanying TMA Self-Study Guide is $105. The online course at texasjurisprudenceprep.com is $210. All cost substantially more than the test itself and are probably overkill for anyone who had the skill to pass the boards. You can attempt the exam up to three times if necessary for one fee.

If the residents in your program have passed around a high-yield packet of the more salient bits, studying that exclusively would almost certainly be enough. There is usually someone who has taken some serious notes over the years. As far as I can tell, the test has not changed in any meaningful way recently. By far the most affordable commercially available book is the Texas Jurisprudence Study Guide, which is quite affordable (the Kindle edition is less than $4). It’s very short: roughly 13k words, which is like 25 legitimate single space pages. The book is question and answer format (lots of white space). The form works better in theory than in practice, and the formatting in the ebook version is especially poor. The book is also awkwardly terse, has a decent number of mostly irrelevant typos, and is downright confusing in several spots. It’s essentially a long list of facts without any particular emphasis. No context, no real explanations. That said, it’s totally sufficient. And much much much more affordable. If you’re going to rely on the study guide, this online PDF from TMLT is helpful.

The other books are longer and will take more of your time. The real test is 50 questions and takes approximately 20 minutes to complete (you have 90 min allotted), so there’s lots of extraneous detail to be had here. They just aren’t worth it.

It seems as though the online course is actually pretty popular. It’s a “video” course in the sense that it’s an online audio-backed powerpoint lecture. The audio quality and voice acting approximate the quality of your very first Skype call. The course is also full of painfully awkward juvenile humor, which I imagine is an attempt to make this very dry subject somewhat more palatable. These cringe-inducing bits actually take up a fair bit of talk time. The course itself takes 163 minutes to finish watching. There are also 6 quizzes (#5 and #6 are considered the most relevant), at least some of which are reportedly appropriated from the back of the UTMB book, and some helpful handout downloads, which are honestly the best part. This is not an elegant resource, but it will absolutely get the job done and will do so more quickly than reading one of the full-length resources (The UTMB book is quite dry). They do now have a free practice quiz demo, which takes a few minutes and is worth doing to get a feel for the questions.

So, ask the residents at your program what they’ve been using. Borrow a copy of whatever they used. If you’re on your own, the cheap kindle book gets the job done. As far as I’m concerned, it doesn’t really matter what you use, so long as you don’t waste too much money on it. In this case, more detail is not better.

As for the test itself, it doesn’t necessarily test things you’d think would matter. A large percentage of questions make sense intuitively. Most questions that require reading test facts that are emphasized in all study resources. There are a few randos, but not enough to seriously jeopardize passing. The question writing is pretty poor. There are plenty of “all of the above” questions as well as the negative “which of the following are NOT…” variety–which you’ll remember were stricken from the boards because negatively-framed question stems are a stupid way to get a proportion of people who actually know the answer to select the wrong choice inadvertently.

Anyway.

Good luck.


Buy The Texas Jurisprudence Exam: A Concise Review

Explanations for the 2013-2014 Official Step 2 CK Practice Questions

09.14.13 // Medicine

The NBME graciously provides brief practice materials for its USMLE tests, including pdf and software versions. While answers are included, there haven’t been explanations available online (until now).

If you haven’t taken a moment recently to think about how you approach Step-style questions, I might refer you to my discussion of that particular topic, particularly the section on “dealing with irritating clinical science questions” near the end. For general information on how to study for the USMLE Step 2 CK (as well as some free Step 2 resources), I recommend you read this.

From the 2014 official “Step 2 CK content description and general information” booklet (official link is dead, that’s the Archive.org cache version), I’ve listed each question and its answer with a succinct (grossly simplified) take-home message:

The newest set of official questions (2014-2015) has been released. There are only three new questions, but the question order has been entirely changed. My updated explanations can be found here.
Read More →

Applying to Radiology

08.24.13 // Medicine, Radiology

Applying for residency is anxiogenic. That’s true for essentially anyone and everyone but perhaps even more so when applying to competitive fields, advanced specialties requiring a preliminary year, or field/location combinations you are not necessarily competitive for. The bright side is that it’s a temporary problem, and in a few extra months you’ll probably have a job and a very expensive piece of paper that says you’re qualified for it. Like other (sometimes more expensive) alternative sources, I have compiled some sage and mostly common-sense advice for how to approach (and succeed in) the match.

Below are some additional thoughts to aid those who are considering pursuing a career in diagnostic radiology.Read More →

How to approach NBME/USMLE questions

07.21.13 // Medicine

There is more to the USMLE than the requisite volume of knowledge, and you can take the test efficiently by acknowledging outright the things your subconscious probably already knows. This is a somewhat randomly chosen question from the official 2013 USMLE Step 1 information booklet:

A previously healthy 48-year-old man comes to the physician because of fever and cough for 2 days. He attended a convention 10 days ago, and two of his friends who stayed in the same hotel have similar symptoms. His temperature is 38.3°C (101°F), pulse is 76/min, respirations are 20/min, and blood pressure is 130/70 mmHg. Crackles are heard over the right lung base. A chest x-ray shows a patchy infiltrate in the right lower lobe. A Gram stain of sputum shows segmented neutrophils and small gram-negative rods that stain poorly. A sputum culture grows opal-like colonies on yeast extract. Which of the following is the most likely causal organism?

(A) Campylobacter jejuni
(B) Eikenella corrodens
(C) Legionella pneumophila
(D) Proteus mirabilis
(E) Pseudomonas aeruginosa

Once you’ve done enough Step questions, you will already know the most likely answer at the word “convention” (it’s C). Not every question can come as a knee-jerk reaction, but one key to Step preparation is not just overall knowledge but rather pattern-recognition and memorization.

What separates the massive scores from the excellent scores boils down to intrinsic genius, test-taking voodoo, and tons of studying. The first you can’t change; the third you have to do (and should do efficiently). The second you need to be clever about (and doing questions is key). You can lay a strong foundation by making questions like the one above comically easy. Knowing the key phrases and patterns can allow you to literally “feel” the right answer even without having conscious knowledge. If you can get in the head of the question writer and know the tip-offs, you can often make a reasonable guess even if you don’t actually know the “basic science” details the question is supposedly trying to test.Read More →

Rules for making your Rank Order List (ROL)

07.14.13 // Medicine

Rules for the Rank Order List (ROL)

  • Put them in the order you actually want them. There is no reason to change how you will rank programs based on post-interview communications or voodoo. Your number one should be your dream program.
  • You must “certify” your ROL when you first make it and whenever you make a change to it.
  • Rank every program you interview at unless you absolutely hate the program and would rather not have a job. There is no harm in ranking programs just in case unless you would rather not match and try to scramble for whatever scraps are left.
  • The Match algorithm guarantees that you will get the very best job you can get based on your preferences.
  • Try to avoid any plan that involves the SOAP. The number of spots in your field of interest cannot be predicted and should not be relied upon. Additionally, if a program has spots in the SOAP, that could be an interview fluke…but it could also be an indication that it might not be the best place to spend 3+ years.

For advanced specialties:

  • You must create additional supplemental ROL for internships (PGY1 positions).
  • You can create different supplemental ROL for each advanced position you rank, which allows you to coordinate geography appropriately (i.e. you can rank Texas prelims above California prelims for your Texas programs and vice versa).
  • You can also list PGY1 programs as backups on your primary rank list in the event you do not match to an advanced position. You will still have the chance to enter the SOAP for an advanced position; you just won’t then need to try to obtain two jobs at once.

For couples:

  • You coordinate your ROL on your own (their #1 is your #1 and so on), and the software itself doesn’t confirm that you guys did it right. Double check every single selection to make sure that you did match up your choices correctly.

Post-interview Correspondence Do’s and Don’ts

07.09.13 // Medicine

NRMP Rules concerning correspondence (that are sadly and awkwardly broken all the time):

  •  A program may not ask you how you will rank them
  •  You may not ask a program how you will be ranked
  •  It is perfectly okay and common to tell a program how you feel, and some programs may send you love letters as well.
  •  No coercion!

Talking to programs

The amount of contact expected of applicants in order to show interest varies widely across programs. Some programs demand to know that you want to be there (using the words #1), others will flat out inform you that they rank the applicants accordingly to how they want them (with no regard to where they fall on the applicant’s rank list). And of course some may say that and have it be a boldfaced lie. There are egos involved. Be cognizant of program personalities and cater to them when possible.

If you tell a program they are your #1, it’s best to do so late in the season after you are absolutely sure. Do not lie. Don’t be that guy/gal.

If you aren’t sure, you can express “strong” interest but save #1 for your real #1.

Keep in mind however the reality that most seasoned program directors shouldn’t/won’t take these comments at face value. They’ve been lied to so much that they believe no one. Your lies may hurt the chances of future students from your school, however. Likewise, you should continue to doubt even the most sycophantic of praise until it’s confirmed by match day. There are no benefits to being duped.

Thank You Notes

It is customary to send thank you notes, though it is unlikely that this correspondence generally makes a significant difference. It’s simply polite to thank people for taking the time to speak with you. Typically, one should write thank you notes at the very least to the Program Director and Program Coordinator, though it seems most applicants still also write letters to all interviewers. Write them and send them immediately after your interview, as the interactions will be freshest in your mind. And it’s polite.

You may not want to bother. And that would be okay in most circumstances. However, an anesthesia program director once told me he doesn’t rank anyone who doesn’t write him a post-interview thank you letter. He especially likes Christmas cards. This is a dramatic (and ridiculous) example, clearly, but I found that helpful motivation.

To facilitate writing personal thank you notes, it is advisable to jot very brief notes after your interview encounters. By doing so, you can specifically reference interesting (wink wink) conversation topics you had with different people. Most people still write thank you notes by hand, but email is becoming more popular. Some programs will express preferences (follow them).

Hearing from programs

Programs vary widely also in how much (if at all) they contact applicants. You may receive emails or phone calls with warm fuzzy feelings of varying significance.

Some programs will outright tell you are “ranked to match” (take with a grain of salt). Some may tell you that you have a job. Others will vaguely tell you that are “ranked competitively” (double grain of salt alert!). People have been burned by even the most specific and seemingly failproof promises.

Some programs do not contact applicants at all and hate the mind games of the match. Do not take silence the wrong way. Simply rank your programs the way you want them, not the way they want you.

Questions to ask yourself (and others) about residency programs

06.27.13 // Medicine

The first question for many students to ask (themselves) is where? Because the majority of physicians practice in the same location they trained, some would argue that residency is about Location, Location, Location.

Using FRIEDA, you can search all accredited programs by field and location to help you find potential residencies.

Are you considering enough programs?
Is there a reasonable mix in the competitiveness of the programs you are looking at?

  • Certain locations (California, NYC) tend to be competitive based on location regardless of program quality
  • There are three broad types of residencies: big name programs, university-based academic programs, and community programs.
  • Depending on how competitive you are for your chosen specialty, it will be important to at have programs in at least two of the three broad categories.

The AAMC provides a lengthy but excellent list of questions to ask residency programs (including “what is the call schedule?” and “how are the residents evaluated?”). Read it early to get an idea of what factors might play into your decision. It will help you make the most of the information you receive over the coming year.

Some things to consider when applying:

  • Program setting (urban, rural)
  • Program size (large, small: affects both social aspects and call)
  • Program location (close to family/friends, climate, sounds good on Facebook)
  • Program reputation
  • Program benefits

Some things to ask:

  • Any upcoming changes? (new chairs, changes in funding, new call responsibilities)
  • Any Red flags? (probation, residents leaving, etc)
  • Patient population (indigent, community, private)
  • Number of program sites/hospitals (will you be commuting across town frequently?)
  • Where do residents live? (Is it close to the hospital?)
  • Can they afford it? (Or are they budgeting like crazy?)

You can look at:

  • Program marketing materials and websites (be wary)
  • The internet forums (take with massive grains of salt)
    • studentdoctor.net, urologymatch.com, auntminnie.com (radiology), etc.

You should talk to:

  • Recent graduates in your field of interest

Just to be clear:

  • Conventional wisdom states you’re most likely to make your Rank-Order List based on location first and reputation second, with gut feeling coloring the whole thing so profoundly that you can rationalize your list seven ways til Sunday.
  • You will forget everything else about these programs over the course of the interview season unless you take meticulous notes. Even then, nothing else outside of the big three (location, reputation, “feel”) will really matter. After all, you’re not really going to pick one program over another because they have a bigger book fund; it’s just a factor in your overall impression.

You could read the rest of the interview series:
How to schedule your residency interviews and How to succeed in your residency interviews.

How to Succeed in Your Residency Interviews

06.25.13 // Medicine

Interviews for residency are generally unlike those you are familiar with. They tend to be more conversational and are at least as much a marketing session for the residency programs as they are an evaluation of you (the applicant). The most common question you will receive on the interview trail is “do you have any questions?” by a country mile.

By receiving an interview, you are qualified academically for that program. It means you have a reasonably good chance of ranking there (on the low end, probably 10%). Just be yourself and see if it’s a good fit. If you had a good interview impression of the program, the converse is probably also true. It’s just as important to strike the right number and balance of interviews as it is to be a charming almost-physician on the big day.

The easiest way to hurt yourself in the interview process is to fulfill a pathological stereotype: the jerk, the know-it-all, the creepshow, etc.

A very brief list of rules to interview by:

  • Be on time (or reasonably early)
  • Look professional (bathed, clean-shaved if applicable, suited). Your appearance should be generally unremarkable (but well put-together).
  • Avoid checking bags (it costs money on most airlines anyway). People show up suit-less every season because of this. They really do. Yes, it actually happens.
  • Be warm and pleasant. Be excited. Look people in the eye. Smile frequently (your cheeks will ache, be strong)
  • Be someone you would want to work with.
  • Don’t be a sycophant, however.
  • Do not complain. Ever. Be nice to all residents and ancillary staff. The secretary is one of the most powerful people you will interact with.
  • Don’t play on your phone. I know you won’t during an actual interview—because you’re not an idiot—but I encourage you to not pull it out to fill inevitable dead time either.
  • Have a repertoire of standard “I am interested” questions. You will be asked for your questions by every person you meet. Don’t be combative in how you ask them.
  • Ask nitty-gritties to the residents and not to faculty: call schedules, moon-lighting, benefits, etc.
  • Do not ask questions that are answered on the website or in the Powerpoint talk. It means you’re lazy or fell asleep or both.
  • When possible, research the program ahead of time and have specific questions/discussion points.
  • Go to the dinner the night before (don’t drink too much) if you can. It is an excellent time to meet residents. The residents are what you will probably base your decisions on (along with location and reputation; not the Powerpoint). Do not fail to RSVP to the interview dinner if one is requested, and do not no-show without notification if you then can’t make it. Some applicants do this, and the programs always notice. It’s rude.
  • The residents will tell you that the dinner is a safe space. It is not if you’re an ass.
  • Trust your gut.

Get Practice

Go over common questions with a loved one or friend to make sure you have solid (but not overly rehearsed). Take feedback seriously. You can also look at my Interview Question Compendium for examples.

If your school has a mock interview night or analogous event, you should go. You may not be aware of interview ticks or nervous habits you’ve developed since your last rodeo.

Further Reading

There are some well-reviewed books on this topic (e.g. The Residency Interview and The Successful Match [which is long, good but repetitive, and pretty exhaustive]) but truthfully, I sincerely doubt most American medical graduates with a reasonable student affairs department and a modicum of common sense have very much to gain from any book-length treatments of this topic. A shorter treatment by the AMA is quite readable, and I largely agree with medfools. A more gunner-like approach is advocated by these folks.

As with all how-to resources, so much of it truly is common sense.

How to Schedule Residency Interviews

06.18.13 // Medicine

You’ve sent in your application. Your anxiety increases. You begin to compulsively check your email account. Your heart skips a beat when you have a new message. Welcome to interview season.

Getting the interview

You will be contacted via email (very rarely by snail mail) if a program wishes to interview you. They will generally provide options for dates, which tend to fill up very quickly (sometimes within minutes).

Respond promptly. An invitation to interview is not a guarantee to interview.

Do not make the mistake of holding onto a less desirable interview without responding while you wait to see if something better comes along. Schedule all interviews at first. Then, as your list fills, you can begin being more discriminating. You may have to cancel interviews. That’s fine, as long as you do it properly (see below).

It is common but somewhat awkward to inquire about your application status to programs. This is especially advisable in the following situations:

  • In a couples match when one partner has received and scheduled an interview but the other has not.
  • If there is a particular reason you want to go to a program that may not be clear in your application. If you have not heard back from a program after they’ve sent out invitations, it’s common to send a love letter detailing your special desire and asking about the status of your application.

There are often threads on sites like studentdoctor.net where posters share when different programs have sent out invitations. This can lead to substantial neuroses but can be helpful in scheduling interviews and timing queries.

Picking the date

Ideally, you should schedule interviews during the period in which you have taken vacation. You should attempt to cluster interviews geographically when possible to save on travel expenses, though this is often not possible. Join rewards programs for airlines, hotels, or sites like Expedia or Hotels.com. Compare prices with AirBnB if that’s something you’re comfortable with (signing up via a referral link gets you $65 off your first stay). Car rentals are less common in the age of Uber or Lyft, but in more suburban or sprawling cities, a car rental may still be the best way to get around or actually see the place (especially if you’re making a trip of it and are not just there for the day).

December tends to be the heaviest month, though this can vary by specialty.

There are several theories about scheduling interviews:

  • Interviewing at a program you are very interested in early in the season is bad because you won’t be polished
  • Interviewing at a program you are very interested in late in the season is bad because you will be tired
  • Programs will forget you if you interviewed early
  • Programs will be exhausted and uninterested by the end

The bottom line is that many programs have looked at their own histories and found no correlation between interview timing and likelihood to match. Residency interviews are very different in content and style than medical school interviews. The programs are often auditioning just as much as you are. Don’t worry.

If you are applying to an advanced specialty like radiology or dermatology (requiring a preliminary or transitional year), you will likely need to take a full two months to interview. The same may true for other fields if you plan/need to interview at ≥ 20 programs (such as marginal candidates in competitive fields).

How many is enough?

The bare minimum of interviews varies by specialty. As a general rule, 12 contiguous ranks in a single specialty will give you an extremely high chance of matching. For most applicants, especially in less competitive fields, even that number isn’t strictly necessary so long as there is a combination of programs of different tiers. Like college, you don’t want to interview only at the ivy leagues. You need a balanced mix of programs for your competitiveness.

Programs will make you feel loved, so don’t let generic praise wash away your due diligence. Interview until it hurts.

If you have fewer than 7 interview offers by late October, you will need to schedule a meeting with whichever dean at your school oversees the match and your mentor to address the possibility of adding a backup plan.

Of successfully matched US students in 2011, 55.4% got their first choice, 16.1% got their second, 9.9% got their third, 5.8% got their fourth, and 12.8% got a choice beyond their fourth. This means that 81.4% of successfully matched students got one of their top three choices. Even including unmatched applicants, the top three number only falls to 77.2%.

Canceling

If you cancel an interview (be polite!), make sure to receive a confirmation of your cancellation. A short gracious email to the program coordinator is usually sufficient, and they will typically respond back promptly. Do not simply no-show at an interview, as it makes you and your school look bad! People actually do this! Give as much notice as possible, at least one week if possible. Programs remember when people no-show and sometimes hold it against the institution in future years, not to mention that someone else could have used that spot who actually wanted it.

There is a tendency for many students to cancel their later interviews (mid-to-late January) because they feel they have likely interviewed at enough places to match and are generally very tired of traveling. Don’t misinterpret positive feedback from programs as an indication of your place in the match, no matter how blatant or explicit. Students get burned every year. Make sure to have enough programs on your rank list before canceling interviews, because you can only rank programs you’ve interviewed at!

Planning for PSLF

05.22.13 // Finance, Medicine

I’ve discussed (in great and somewhat confounding detail) income-based repayment (IBR), public service loan forgiveness (PSLF), and forbearance previously.

(Read it if you haven’t already. Go ahead, I’ll wait).

To sum up: the best and most straightforward reason to plan to apply for PSLF is if you want to both train and practice at a non-profit or academic center. And doing your income-drive repayment (IDR) right is important.

Now, you can’t actually “apply” for PSLF until you’ve made the 120 monthly payments (which, again, do not have to be consecutive). So you need to make 10 years’ worth of payments. However, there are a few things you should do on your way to this goal of tax-free loan forgiveness. You could wait until 120 payments are made to start the process, but you’ll avoid potential disaster if you keep the PSLF dream of loan-forgiveness in mind from the very beginning.

The PSLF formula:

Eligible Loans
+ Qualifying Payments (discussed below)
+ Qualifying Work (discussed below)
x 120 months (10 years)

= Public Service Loan Forgiveness

The Loans

PSLF is a government program run by the Department of Education. Eligible loans are exclusively of the “DIRECT” variety: Stafford, subsidized, unsubsidized, PLUS, consolidation, etc. If you have other non-eligible federal loans (e.g. Perkins), you can consolidate them into a DIRECT consolidation loan in order to be eligible. The 120 payments are calculated per loan, so if you consolidate, the counter resets. This means that you need to take care of any loan voodoo before you start making payments in order to not waste time/money. Go to www.nslds.ed.gov to find out what loans you have if you don’t know.

The Payments

Payments must be required (monthly) while employed full-time (at least 30 hours/week). Extra payments, grace period payments, payments made during school, etc do not count. It’s 120 months, minimum, no short cuts. They do not have to be continuous payments.

The Work

A public service job is defined as any full time job at a non-profit, tax exempt, 501(c)(3) organization. Most teaching hospitals fall under this category and even some private hospitals fall under this designation. If you don’t know, just ask. Keep in mind that many technically “nonprofit” hospitals do not directly employ physicians but rather contract with them. You have to be an actual employee paid on W2 etc. So that really luxurious “nonprofit” with the great salary probably isn’t going to cut it.

For each different eligible job you hold, you must submit a PSLF employment certification form. This is something you should absolutely do at end of your tenure at any facility. While you could theoretically go back and submit the form for your transitional internship 9 years later, doing it as you go seems like a much safer bet. Once you submit your first employment certification form, your loan servicer will be switched to FedLoan (as opposed to one of the several others you may have been assigned to such as Nelnet, Navient, etc)

The Takeaway

The official FAQ PDF is an excellent read for the questions you are currently directing at your computer monitor. A briefer official FAQ with the barebones is here.

Keep in mind, there are several reasons to forget PSLF exists:

  • You want to work in private practice
  • You plan to enter into a contract that will include loan forgiveness
  • You don’t have a ton of debt (congrats)
  • Your cynicism overpowers your hope that the program will continue to exist when you can reap its benefits (even the first eligible loans won’t be forgiven until 2017)
  • The money you will pay for IDR during residency and fellowship will impact your quality of life in such a way as to overcome any future financial benefit in the long term (this is a tricky personal calculus). The fewer dollars you have, the more each individual buck is worth. As in all things, scarcity matters.

But if you still want to:

  • Get your loans in order
  • Sign up for IBR, PAYE, or (probably) REPAYE during intern year, minimize your payments as possible using tax returns or pay stubs (whichever is lower). PAYE will save you more than IBR.
  • Never pay more than you have to, which can include reducing your taxable income by maximizing tax deductions, contributing to pretax retirement accounts, etc
  • Fill out your employment certification forms as you can
  • Keep count and apply after 120 payments (with that final employment certification form, since you must still be working at a non-profit when you apply)
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