看这个，GPT真是佞臣。就是告诉你好听的，这里又说要一直付利息

Short answer: No. Medical students generally do not get federal subsidized loans anymore, so interest is not waived during med school or residency.

 

Here’s how it actually works:

 

 

 

 

1) Subsidized loans (the kind you’re thinking of)

 

 

• These are the loans where the government pays the interest while you’re in school, grace period, or certain deferments.  
• But: since 2012, subsidized federal loans are NOT available to graduate/professional students (including medical students).  

 

 

So current med students basically cannot borrow new subsidized federal loans.

 

 

 

 

2) What medical students actually get

 

 

Medical students mainly use:

 

• Direct Unsubsidized Loans
• Grad PLUS Loans

 

 

Key point:

 

• These accrue interest immediately from the moment the money is disbursed  
• You don’t have to make payments during school, but
• Interest keeps growing the whole time (and often capitalizes later)

 

 

 

 

 

3) During med school, residency, and beyond

 

 

• In school: no payments required, but interest accrues
• Grace period (6 months after graduation): still accrues interest for unsubsidized loans  
• Residency/fellowship:
  • You can use deferment or income-driven repayment
  • Interest still accrues on almost all med school debt
•  

 

 

There is no automatic “interest-free until attending” feature.

 

 

 

 

4) The only exceptions (rare)

 

 

A small minority of students may have:

 

• Old undergrad subsidized loans → those can still be interest-free during school
• Special programs (e.g., military scholarships, NIH, or disadvantaged student loans)

 

 

But:

These usually cover only a portion, not the bulk, of med school debt.

 

 

 

 

Bottom line

 

 

• No — med students don’t get broadly subsidized loans
• Interest is NOT waived until you become an attending
• Most medical school debt starts accruing interest immediately and continuously