Your household, both of you
Both of you in one plan. Every calculator uses both people’s income, loans and accounts.
This is a sample household. Answer a few questions to see your own.
| Each of you | Alex Hospitalist · attending | Sam Anesthesiology · attending |
|---|---|---|
| Salary | $300,000 | $280,000 |
| Employer | Nonprofit employer PSLF-eligible | Nonprofit employer PSLF-eligible |
| Federal loans | $250,000 at 7.00% | $250,000 at 7.00% |
| PSLF payments | 36 of 120 | 36 of 120 |
| 403(b)/401(k) + 457(b) | $24,500 + $24,500 | $24,500 + $24,500 |
| HSA | Family, $8,750 One family HSA per household | Covered on Alex’s plan |
| Backdoor Roth | $7,500No pre-tax IRA · clean | Pro-rata risk$12,000 SEP-IRA makes 62% of Sam’s conversion taxable (≈ $1,477). Rolling it into Sam’s current 403(b) or 401(k), if the plan accepts roll-ins, is the common way around it. |
| Private to each | Nothing marked private | Nothing marked private |
Alex
Hospitalist · attending
- Salary
- $300,000
- Employer
- Nonprofit employer
- Federal loans
- $250,000 at 7.00%
- PSLF payments
- 36 of 120
- 403(b)/401(k) + 457(b)
- $24,500 + $24,500
- HSA
- Family, $8,750
Sam
Anesthesiology · attending
- Salary
- $280,000
- Employer
- Nonprofit employer
- Federal loans
- $250,000 at 7.00%
- PSLF payments
- 36 of 120
- 403(b)/401(k) + 457(b)
- $24,500 + $24,500
- HSA
- Covered on Alex’s plan
Pro-rata risk. $12,000 SEP-IRA makes 62% of Sam’s conversion taxable (≈ $1,477). Rolling it into Sam’s current 403(b) or 401(k), if the plan accepts roll-ins, is the common way around it.
Link your partner’s account
With an account, you can invite your partner to link theirs. Linking is optional: a household can also be entered by one person.
Household
- Combined gross
- $580,000
- Joint AGI
- $473,250
- RAP, both loans
- $3,844/mo
- Split by balance
- $1,922 each
Joint or separate?
Filing separately doesn’t lower your RAP payment: both of you are above $100,000, where RAP is a flat 10%. It saves about $1,550 in federal tax here, from the child tax credit, and brings other trade-offs.
See the joint vs. separate details →PSLF or pay it off?
With $500,000 between you, PSLF comes out about $308,921 ahead of paying off fast after 10 years, in today’s dollars, if you both stay in PSLF work.
Compare repayment strategies →Sample household, married filing jointly, 2 children, Illinois. Linking is optional; a household can also be entered by one person.