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​​​​​​The AOA is excited to announce our new partnership with Doctors Without Quarters (DWOQ). Today's osteopathic graduates finish medical school with roughly $230,000 in student loan debt. Selecting from today's menu of repayment options requires careful planning, and recent and proposed changes in legislation demand that your strategy be updated annually. Many graduates are eligible for $200,000 or more in loan forgiveness by following the proper action plan. Factor in the evolution of the private refinancing lending marketplace, and today's student debt environment for osteopathic medical graduates is more complex than it's ever been.

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Discounted Pricing and FREE Refinancing Suitability Analysis for AOA Members!

 DWOQ currently offers the following unique benefits for AOA members:


  • Discounted Comprehensive Consultations and Annual Support 

    • Appropriate for graduating students and continuing residents/fellows

    • 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


  • FREE Refinancing Suitability Analysis

    • 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

    • DWOQ introduces lender if we determine that refinancing is suitable, and you're entitled to a $200 bonus

    • 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 employment required to achieve tax-free forgiveness. From here, you can register for a comprehensive loan consultation to ensure that your action plan to date, and going forward, are designed to maximize your savings opportunity. 

Student Loan Advocacy & Support for AOA Members