My testimony today focuses on broad trends in student debt and repayment patterns across a range of degree programs to provide the committee with a general understanding of the student loan landscape. I also discuss limited statistics on medical school tuition and debt increases in recent years to speak more directly to the topic of today’s hearing. The testimony also addresses the federal Income-Based Repayment program, which has allowed high-debt, high-income borrowers to reduce their repayment burdens at substantial cost to the government. A related program, Public Service Loan Forgiveness, can provide large taxpayer-funded incentives to doctors who do not open their own practices and instead work for non-profit entities. To conclude, I suggest reforms to these programs and explain how an accountability system for federal student loans would help ensure colleges align their prices with graduates’ expected earnings.