Review Methodology

Reviews are researched and written or reviewed by Joshua Dunigan, DO, MedMoneyGuide’s founder and editor. There is no separate sales team pushing on the other side of a wall. That is exactly why our rules are written down on this page and in our Advertising Disclosure, and why they apply no matter who pays us.

• Companies can’t pay for a higher rating, a better position, or a spot on a “best of” list
• Products are included and evaluated whether or not we earn a commission from them
• No company sees or approves a review before it’s published
• When we have an affiliate relationship with a company on the page, we disclose it

We start with each provider’s published terms, rate sheets, and policy documents, then check them against primary sources: the IRS, studentaid.gov, AAMC and MGMA data, state insurance regulators, and A.M. Best ratings. We don’t rely on other review sites for facts. Because rates and terms change often, each review notes when it was last updated.

Where a review includes a rating, it reflects the criteria below, weighted for how they affect physicians. A product that’s great for the average consumer can be a poor fit for a resident with $300,000 in loans.

Fast-moving categories like mortgages and refinancing are rechecked more often than evergreen topics, and every review shows its last-updated date. If you spot a rate, term, or feature that’s out of date, tell us and we’ll verify and correct it.

A rating isn’t a recommendation for your situation. The right product depends on your specialty, loans, state, and career stage. Use our reviews to narrow the field, then compare current quotes, and consider a fee-only fiduciary advisor for big decisions.