Discounted Comprehensive Consultations and Annual Support

  • Appropriate for graduating students and continuing residents/fellows seeking to utilize federal programs such as Income-Driven Loan Repayment plans and Public Service Loan Forgiveness

  • As an AOA member, you are entitled to a 20% discount on all DWOQ services. To claim this discount, enter "AOA20" when prompted for "coupon code"

  • Click here to view the full list of DWOQ services



We also offer FREE refinancing suitability analysis for those considering refinancing to lower rates in the private marketplace, and if we determine that refinancing makes sense, we've partnered with Sofi to offer AOA members a .25% rate reduction! There are two ways to engage:


  • Register for a 1 on 1 Consultation with a DWOQ Advisor:

    • Appropriate for those transitioning to practice, currently in practice or with high household income

    • Overall payments can be reduced by $50,000 or more, but suitability must first be determined

    • Analysis, support, advice, the leverage of a national advisory AND a cash bonus... it's a no-brainer:



  • "Salary Boost & Refinancing Suitability" Calculator

    • ​​Username: AOAmember

    • Password: osteopathic


This analytical tool will help you determine the estimated value of PSLF in the form of a "Salary Boost" over the remaining years of non-profit employment required to achieve tax-free forgiveness. From here, you can apply to refinance or register for a comprehensive loan consultation based on the results, and a DWOQ Advisor is on hand to answer questions along the way.

Student Loan Advocacy & Support for AOA Members

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Discounted Pricing and FREE Refinancing Suitability Analysis for AOA Members!