不过，

大概还是应该借满这20万？

Yes, many private practices and for-profit hospital groups offer student loan repayment assistance specifically to recruit and retain high-earning doctors. 

Reddit +2

Since private practice doctors are generally ineligible for PSLF (which requires working for a non-profit or government entity), these employer-based incentives are the primary way to offset debt in the private sector. 

Weatherby Healthcare +1

 

How Private Practice Offers Work

• Sign-On Bonuses: You may receive a lump sum upon signing (e.g., $50,000–$100,000) specifically designated for your loans.
• Annual Retention Payments: Some practices offer a set amount (e.g., $20,000–$50,000) paid directly to your loan servicer for each year you remain with the practice.
• Tax Advantages: Some non-profit hospitals that contract private groups can structure these as tax-exempt benefits, though in a pure private practice, this is typically treated as taxable income. 
  Reddit +3