PA Student Loans in 2026: SAVE Is Ending, RAP Is Next, Now What?
Before you take out a single student loan for PA school, you need to understand what you’re actually signing up for. With new repayment plans, borrowing limits, and legislative changes coming, your future student loan strategy is about to look very different than it did a few years ago.
In this episode of The Millionaires in Medicine Show, Kaitlin Hile, Savanna Perry, and I sit down with a group of future PAs to talk through the decisions that matter before you borrow. We’re covering the things most people don’t think about until it’s too late — from debt-to-income ratio, to choosing between programs with wildly different costs, to the biggest mistakes I made as a pre-PA that I wish someone had warned me about.
We also break down the major student loan changes on the horizon, including what happens to the SAVE plan, how the new RAP plan will work, and why the Department of Education’s reclassification of PA programs could dramatically impact future borrowing.
If you’re applying, interviewing, or already accepted into PA school, this conversation will help you make smarter choices now… instead of scrambling to fix everything after graduation.
🎧 LISTEN TO THE PODCAST
👉 The Millionaires in Medicine Show — Episode 6: https://podcasts.apple.com/us/podcast...
🎯 TIMESTAMPS
00:00 – Why future PAs need to rethink student loans
03:32 – The “big picture” loan strategy no one talks about
07:00 – Debt-to-income ratio: why it matters before you start school
07:44 – Choosing between expensive vs. affordable programs
08:26 – Scholarship considerations + real cost of attendance
11:35 – The SAVE plan going away + what replaces it
12:02 – How the new RAP plan will calculate payments
26:35 – Risks of private loans & what to think about before taking one
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