One of the most exciting events for soon to be pharmacy school graduates is the hooding of Doctor of Pharmacy candidates prior to commencement. Family and friends alike gather to celebrate the accomplishments of the students who earned the right to call themselves a Doctor of Pharmacy. Although this signifies the end of a big chapter in a soon to be pharmacist professional's life, a new career is just beginning. Unfortunately for many students, this new career is also adjoined with student loan debt. For borrowers with federal student loans, the repayment options are vast and complicated. Meaning that one of the first big decisions a new PharmD graduate will face is deciding which federal loan repayment plan they would like to pursue.