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hi everyone this is Paul Gerard Iamp;#39;m founder and president of PG presents an independent student loan consulting company weamp;#39;ve put together a series of repayment modules that are designed to help you guys do a better job of managing your student loans module number six is how to possibly get a zero calculated payment with an income driven repayment plan during your first year of residency now perhaps some obvious answers to why you might be interested in a zero payment your first year of training first of all obviously it will help with cash flow as you start your residency program and are learning to budget as a first year resident you might actually need zero payments to help pay down consumer debts or private loans that are coming to you from college thatamp;#39;s another way that having a zero calculated payment could help you with cash flow but another reason is that a zero calculated payment on an income driven repayment plan like pay or repay counts as a qualifyi