Repayment Guidance
How HR‑1 Impacts the Future of Medicine
Recent federal changes under HR‑1 are creating significant new barriers for medical students and aspiring physicians across the United States. These changes threaten not only individual career paths, but the strength and stability of our future health care workforce.
HR‑1 introduces several major shifts to how medical education is financed:
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Restructuring of federal direct student loan caps
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Elimination of Grad PLUS loans for new borrowers
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Creation of a lifetime borrowing limit that includes both undergraduate and professional education debt
Together, these changes are limiting access to medical education and putting additional financial strain on students pursuing careers in medicine.
Share Your Story
We want to hear from you. If you are a medical student or aspiring physician and HR‑1 is impacting your journey, your story matters.
Your experience can help illustrate the real-world consequences of these policy changes and inform advocacy efforts to protect the future of medical education.
Please reach out to our communications team at jheaney@pamedsoc.org to share your story.
Financial Support & Resources
While these changes present new challenges, there are still resources available to help support your path to becoming a physician:
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The Foundation of the Pennsylvania Medical Society offers affordable loan options with personalized customer service for Pennsylvania residents enrolled in fully accredited Pennsylvania medical schools.
👉 Learn more about our loan program. -
The Pennsylvania Medical Society (PAMED) partners with SoFi to provide members with exclusive interest rate discounts on student loan refinancing.
Diclaimer
The resources on this page are provided for informational purposes only and do not constitute professional or legal advice.