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Khoury MK, Jones RE, Gee KM, et al. Trainee Reliance on Public Service Loan Forgiveness. J Surg Educ. 2021;78(6):1878-1884doi: 10.1016/j.jsurg.2021.06.015.
Khoury, M. K., Jones, R. E., Gee, K. M., Taveras, L. R., Boniakowski, A. M., Coleman, D. M., Abdelfattah, K. R., Rectenwald, J. E., & Minter, R. M. (2021). Trainee Reliance on Public Service Loan Forgiveness. Journal of surgical education, 78(6), 1878-1884. https://doi.org/10.1016/j.jsurg.2021.06.015
Khoury, Mitri K, et al. "Trainee Reliance on Public Service Loan Forgiveness." Journal of surgical education vol. 78,6 (2021): 1878-1884. doi: https://doi.org/10.1016/j.jsurg.2021.06.015
Khoury MK, Jones RE, Gee KM, Taveras LR, Boniakowski AM, Coleman DM, Abdelfattah KR, Rectenwald JE, Minter RM. Trainee Reliance on Public Service Loan Forgiveness. J Surg Educ. 2021 Nov-Dec;78(6):1878-1884. doi: 10.1016/j.jsurg.2021.06.015. Epub 2021 Jul 12. PMID: 34266790; PMCID: PMC8648921.
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J Surg Educ. 2021 Nov-Dec;78(6):1878-1884. doi: 10.1016/j.jsurg.2021.06.015. Epub 2021 Jul 12.

Trainee Reliance on Public Service Loan Forgiveness.

Journal of surgical education

Mitri K Khoury, R Ellen Jones, Kristin M Gee, Luis R Taveras, Anna M Boniakowski, Dawn M Coleman, Kareem R Abdelfattah, John E Rectenwald, Rebecca M Minter

Affiliations

  1. University of Texas, Southwestern Medical Center; Department of Surgery; Dallas, Texas; University of Wisconsin, Madison; Department of Surgery; Madison, Wisconsin. Electronic address: [email protected].
  2. University of Texas, Southwestern Medical Center; Department of Surgery; Dallas, Texas.
  3. University of Michigan, Ann Arbor; Department of Surgery; Ann Arbor, Michigan.
  4. University of Wisconsin, Madison; Department of Surgery; Madison, Wisconsin.

PMID: 34266790 PMCID: PMC8648921 DOI: 10.1016/j.jsurg.2021.06.015

Abstract

OBJECTIVE: The Public Service Loan Forgiveness (PSLF) program is an option to trainees to help alleviate federal education debt. The prevalence of PSLF utilization and how this may impact career decisions of trainees is unknown. The purpose of this study was to understand the prevalence, impact, and understanding of PSLF participation on trainees.

DESIGN: IRB-approved anonymous survey asking study subjects to report demographics, financial status, and reliance on PSLF. In addition, study subjects were asked to report their participation in PSLF, the possible impact of PSLF participation on career decisions, and to identify the qualifications needed to complete PSLF.

SETTING: Online anonymous survey.

PARTICIPANTS: The survey was offered to all physician trainees in all specialties at the University of Texas, Southwestern, University of Wisconsin, Madison, and University of Michigan, Ann Arbor.

RESULTS: There were 934 respondents, yielding a 37.6% response rate. A total of 416/934 (44.5%) respondents were actively or planning on participating in the PSLF program with 175/934 (18.7%) belonging to a surgical specialty. Those belonging to a surgical specialty were more likely to be PSLF participants compared to medical specialties (53.1% versus 42.6%, p = 0.01). For those participating in PSLF, 82/416 (19.7%) stated this participation impacted career decisions. A total of 275/934 (29.4%) respondents obtained and 437/934 (46.8%) wanted to receive formal training/lectures in regards to the PSLF program. Of those actively or planning on participating in the PSLF program, only 58/416 (13.9%) were able to correctly identify all of the qualifications/criteria to complete the program.

CONCLUSIONS: A large proportion of trainees rely on the PSLF program for education loan forgiveness with approximately 20% reporting participation impacted career decisions. Additionally, the majority may not fully understand PSLF criteria. Programs should strongly consider providing a formal education regarding PSLF to their trainees.

Copyright © 2021 Association of Program Directors in Surgery. All rights reserved.

Keywords: Public service loan forgiveness; debt; education; resident; student

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