Your first payment is automatically scheduled 45 days after your loan is funded.
We know the transition from Match Day to residency comes with major expenses—moving, housing deposits, travel, and waiting for that first resident paycheck. That’s why Doc2Doc intentionally pushes your first payment out 45 days, giving you breathing room before training starts.
This built-in grace period helps you get settled, manage upfront costs, and begin residency on solid financial footing—without immediate repayment pressure.
4th year medical students who match into a US-based residency training program through the National Resident Matching Program, NRMP, are eligible to apply for a Doc2Doc In Training Personal Loan after March 20th, 2026. Opthalmology Match candidates can apply after January 29th, 2026 and Urology Matched candidates can apply after Feb 2, 2026.
IMG are eligible to apply as long as they are matched into a US based residency program and are either a U.S. citizen, permanent resident, or temporary resident holding a valid 0-1 or H-1B visa.
No, unfortunately we do not lend to applicants with J1 visa at this time.