Podcasts about pslf

On episode 227 of Ask The Compound, Ben Carlson, Duncan Hill and Bill Sweet discuss: staying in shape while raising young kids and balancing family life, using Married Filing Separately to maximize PSLF benefits, whether pausing investing to start a business is a smart move, how aging demographics could impact stock market returns, retirement planning with no property taxes and low-cost healthcare on tribal land, whether investors should pay attention to Ray Dalio's latest views and more! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Public. Learn more at https://public.com/ATC Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

There are two ways to get your student loans forgiven — and the one nobody talks about could leave you with a six-figure tax bill. Most physicians know PSLF. Far fewer understand taxable forgiveness — the IDR path that hands you a massive tax bill 20 years down the road. Jimmy and Justin break down a real listener question (anesthesiologist + dentist, $400K in loans at 7%) to show why "married filing separately" math isn't as clean as it looks, and why your repayment plan now hinges on a looming July 2026 deadline. Resources mentioned: Looking for a CPA that does more than just file taxes each year? Check out Gelt, the proactive tax strategy partner that Jimmy personally uses, and receive 10% off the first year through the MMM link. Get $100 off a Student Loan Consult with Student Loan Planner: moneymeetsmedicine.com/loans Looking to refinance your private student loans? Click here to learn how to find the lowest interest rates out there. Every physician must get disability insurance before leaving training! Get a disability insurance quote from Money Meets Medicine Disability. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Since the One Big Beautiful Bill, the final student loan regulations have started landing, and we're seeing the real-world fallout in consultations every single day. We bring you what that looks like from the front lines: the latest ATF update on IDR backlogs, PSLF buyback wait times, and forgiveness eligibility checks, plus a few other things worth watching. We also cover the consolidation trap new grads need to avoid, Parent PLUS loans showing up on files where they don't belong, and what the July 1 deadline really means if you're still stuck on SAVE.Key moments:(01:52) Why the ATF lawsuit updates matter for IDR and PSLF backlogs(04:06) How forgiveness timing could trigger bigger tax bills in 2027(08:36) 88,000 pending PSLF buyback applicants, duplicate applications, and delays(12:14) Parent PLUS loan confusion: When your file shows loans you never took out(20:10) Why new grads should think hard before consolidating, and how it can lock you into a 30-year planLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership.

One student loan decision in the next few weeks could cost — or save — a physician six figures. On May 1, 2026, the Department of Education finalized the 134-page rule rewriting federal student loan repayment.  Dr. Jimmy Turner goes solo to break down what changed and the moves that protect six figures. What you'll learn: Why the July 1, 2026 cutoff decide whether you keep IBR at all The consolidation trap that can permanently lock residents out of IBR The RAP interest subsidy that keeps a $300K balance from ballooning during residency The RAP-to-IBR playbook for PSLF: which payments count, and when to switch Married or in a community property state? How filing separately changes the math Resources: Every doctor needs their own occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability  Have private loans? You should refinance those to the interest rate you can find. To do that, check out Juno: https://moneymeetsmedicine.com/JUNO Looking for a new CPA? Use the one Jimmy uses (Gelt). Get a 10% discount when working with them here: https://moneymeetsmedicine.com/CPA Looking to save $100 on a student loan consult? Visit moneymeetsmedicine.com/loans Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The new federal student loan regulations are about to throw a wrench into grad and professional borrowers' repayment options, and we're tackling some of the most pressing questions borrowers are calling in with. We break down why one loan disbursed after July 2026 can flip somebody from a clear forgiveness path to being stuck in a repayment plan that costs you double (or more). You'll also learn strategies for handling PSLF account issues, navigating income certification if your income drops, and the mental health toll all these changes might take. Key moments:(01:23) Why a single loan disbursed after July can potentially double your total repayment(08:54) Using pay stubs vs. tax returns to certify IDR plan income(15:26) Mental health, financial hopelessness, and why no student loan situation is truly unrecoverable(24:21) Calculating physician debt-to-income ratio for PSLF as a resident vs. attending(28:53) Why federal loan caps will trigger chaos in grad school funding and may force program closures or major tuition shiftsLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership. Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.

A candid look at what our student loan experts are seeing in real-time consultations. The throughline: borrowers need to pull their heads out of the sand because too many are sitting on consolidation deadlines, surprise recertifications, and PSLF misconceptions that could cost them years of credit. The conversation moves from urgent Parent PLUS deadlines to PSLF edge cases, then to disability planning and ABLE accounts — every topic drawn from patterns the team is seeing across recent consults.Key moments:(03:47) Parent PLUS borrowers must consolidate before July 1 to preserve IDR access(08:09) Servicers are pulling tax data months early — revoke IRS consent to control your recertification(22:29) Big Beautiful Bill removes IBR's hardship test, reopening PSLF for high earners(36:13) Disability creates two tracks: IDR recalculation for income drops, or Total and Permanent Disability Discharge(42:07) ABLE accounts let families save for disability expenses with tax-free growth, and 529 funds can roll inResources mentioned: StudentAid.gov - official Federal Student Aid site for IDR, consolidation, PSLF, disability discharge, and more Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:The SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplannerFree Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletter

She Got A Doctor $997,000 In Student Loans FORGIVEN (Here's How)$997,000 in student loan debt forgiven for ONE doctor. Dr. Sonia Lewis, CEO of The Student Loan Doctor, has personally helped clients credit over $55 MILLION toward loan forgiveness across 65,000+ clients since 2016. While 44.6 million Americans drown in $1.84 TRILLION of student debt, she has cracked the code on how the federal forgiveness programs actually work, who qualifies, and which doors most people are walking past without even knowing they exist.In this episode of Diversified Game Podcast, Kellen sits down with Dr. Sonia Lewis to break down the truth behind the student loan industrial complex, why African American women carry the highest student debt of any group in America while building the least household wealth, and the four federal forgiveness programs nobody is telling you about: PSLF, TEPSLF, Borrower's Defense, and Total Permanent Disability discharge.This is not financial fluff. This is real, actionable, life-changing intel for anyone holding a federal student loan or planning to take one out. Whether you are a doctor making six figures wondering whether to wait out 10 years of forgiveness or a recent grad scared to log into studentaid.gov, Dr. Sonia gives you the playbook.CONNECT WITH DR. SONIA LEWISFree Monday class at 8 PM EST: freesldclass.comAnnual membership: $297 includes weekly classes, study hall, and meetupsInstagram and LinkedIn: search Dr. Sonia Lewis, The Student Loan DoctorKEY STATS DROPPED IN THIS EPISODE$1.84 trillion total US student loan debt as of late 202544.6 million Americans hold federal student debtAverage federal balance is $39,633 per borrowerBlack women carry the highest student debt of any demographicOnly 3% of Americans retire with a million dollarsThe Student Loan Doctor has helped credit $55 million toward forgiveness for 65,000 clientsLISTEN ON YOUR FAVORITE PLATFORMApple Podcasts, Spotify, Podbean, YouTube, FacebookDiversifiedGame.comCONNECT WITH KELLEN AND CPR FIRMPublic relations, media strategy, government contracting, and brand positioning at colemanprfirm.comAI automation, agentic systems, and revenue infrastructure for operators and entrepreneurs at millionairex.aiFor consulting inquiries, podcast guest requests, and AI integration audits, reference KashCode 2401 / Kcoleman when you reach out.If this episode helped you, do three things. Share it with one person carrying student debt. Drop a comment with the question you want Dr. Sonia to answer next. Subscribe so the next episode does not pass you by.You already paid for college. Stop paying for it twice. Diversified Game Podcast.

Dr. Jimmy Turner hosts a solo Money Meets Medicine mailbag addressing timely physician finance questions, emphasizing that trainees should secure disability insurance before finishing training because guaranteed standard issue (GSI) policies are only available during training and many doctors need them. He explains 2026 federal student-loan changes under OBBBA, advising residents planning aggressive payoff to avoid refinancing in training, exit the defunct SAVE plan, and consider the Repayment Assistance Plan (RAP) for its interest subsidy and flexibility. He warns fourth-year med students pursuing PSLF not to consolidate loans to skip the grace period, because a post–July 1, 2026 consolidation can eliminate IBR eligibility and lead to much higher payments versus IBR's cap.  Get $100 off a student loan consult with Student Loan Planner: https://moneymeetsmedicine.com/loans Every doctor needs own-occupation disability insurance. Get it from a source you can trust: https://moneymeetsmedicine.com/disability Want a free copy of The Physician Philosopher's Guide to Personal Finance? Snag your copy here: https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We're bringing you a grab-bag of student loan updates you need to know about. Borrower defense letters are finally going out, long-term forgiveness is being processed (sometimes for borrowers who technically shouldn't qualify yet), and the Department of Education is quietly breaking its own IDR recertification timelines. We walk through what's actually happening, what to do if you're affected, and how to stay in control of your payment when the system isn't cooperating.Key moments:(03:16) PSLF buyback and why SAVE calculations are off the table(06:02) Long-term forgiveness is processing, including some surprising cases three years early(13:14) How to revoke tax return consent and take back control of your recertification date(16:52) What to expect when your payment changes after leaving SAVE(20:29) When your loans are incorrectly coded as Parent PLUS and the workaround to get the right payment planLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Free Student Loan newsletterIf you are not already getting our weekly newsletter every Thursday, you are missing out. We break down studio loan news, updates, money tips, all in one helpful newsletter. Sign up for free at https://studentloanplanner.com/newsletterThe SLP YouTube ChannelIf you're more of a visual learner or you like seeing charts, breakdowns, and exploring other topics, check out https://youtube.com/studentloanplanner

What does financial progress look like after reaching Public Service Loan Forgiveness (PSLF)? In this Milestones to Millionaire episode, we discuss the transition from carrying significant student loan debt to achieving a positive net worth. This milestone often marks an important shift in how physicians think about saving, investing, and long-term financial planning. We also cover practical advice for others earlier in their careers, along with some financial mistakes and lessons this doc learned along the way. If you're working toward PSLF or evaluating your financial progress after loan forgiveness, this episode provides a grounded look at how net worth, decision-making, and priorities can evolve over time. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

What happens financially after student loan forgiveness—and how should you think about your net worth? In this Milestones to Millionaire episode, we talk with a physician who reached a major turning point after receiving Public Service Loan Forgiveness (PSLF). Initially feeling like she was "back to zero," she later realized her true financial position was much stronger—revealing a net worth of $600,000. This episode highlights how mindset, balance sheets, and financial awareness can dramatically change how you view your progress. We also cover practical advice for other doctors, residents, and high-income professionals navigating student loans, net worth, and early wealth building. If you're working toward PSLF or trying to understand your financial position more clearly, this episode offers valuable perspective on what progress really looks like. One of the most underrated financial moves in medicine is working locum tenens. It pays significantly more on average, and you can work locums full time or on the side of your full time. When you work with CompHealth, the #1 staffing agency, they cover your housing and travel costs —which on top of higher pay, really adds up. Locums also gives you more control of your career, allowing you to go where you want, when you want, with a schedule that works for you. It's the perfect way to get ahead financially while getting focused on what you love. Whether it's locum tenens or a regular permanent position, visit https://whitecoatinvestor.com/CompHealth and build your career your way with the power of CompHealth. Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this episode, you get a firsthand report from "Foundations on the Hill." Rusty discusses emerging federal threats and opportunities for our sector. From new legislation to executive action, he shares what's at stake for the nonprofit workforce—and why we must engage now to shape the narrative. Download episode⁠ transcriptWatch episode Promo VideoLinks to Information Discussed:Challenges on the HorizonReintroduction of H.R. 9495 (H.R. 6800 and S. 3554):Press Release: ⁠Cornyn, Sheehy Introduce Bill to Revoke Tax-Exempt Status of CAIR, Groups Bankrolling Terrorists⁠ (Senator John Cornyn)⁠Official Text of H.R. 6800⁠⁠Official Text of S. 3554⁠Press Release: ⁠Nonprofit Killer Bill Re-Introduced in the House and Senate⁠ (Charity and Security Network)SPONSOR Act (S. 3942):Press Release: Moran, Cruz Introduce Legislation to Deter Non-Profit Sponsorships of Left-Wing Radicals (Congressman Nathaniel Moran)Official Text of the Bill from congress.govExecutive Actions to Frame & Investigate Nonprofits as Terrorist Supporters:Investigating Nonprofits as Terrorist Supporting Organizations:National Security Presidential Memorandum (NSPM-7) (The White House)Attorney General Memo - “Implementing NSPM-7: Countering Domestic Terrorism and Organized Political Violence - (Office of the Attorney General)FBI and IRS to investigate nonprofit groups for domestic terrorism links, sources say (CBS News)FBI and IRS join forces under Bondi directive (MS Now)How NSPM-7 Seeks to Use "Domestic Terrorism" to Target Nonprofits and Activists (ACLU)Administration imposes ideological bounds on student debt forgiveness for public servants:Overview of Proposed Changes and Updates on PSLF program (National Council of Nonprofits)Finalized Changes and Litigation (National Council of Nonprofits)Education Department Imposes Controversial New Restrictions on Public Service Loan Forgiveness Program (American Association of Universities)Administration pursues ideological litmus test for federal grants:DOGE Takes Over Federal Grant Website (NonProfit Times)Proposed Changes to Federal Grant Portal Could Disrupt Nonprofits and Harm Communities Nationwide (National Council of Nonprofits)Guide to Submitting Public Comments on Changes to Federal Grants Certification (National Council of Nonprofits) Note: public comment period ended 3/30/26. 1,300 nonprofit groups joined the sign-on letter, and 22,000 submitted public comments! Apparently there will be further opportunities to offer public comment, so this info is worth reviewing!Positive DevelopmentsPhilanthropy Caucus Launched in House of Representatives:Press Release from Congressman Blake Moore (DATE)Small Nonprofit Retirement Security Act (H.R. 4548 / S. 2365):Press Release: Buchanan Leads Bipartisan Effort to Help Small Nonprofits Offer Retirement Plans (07/21/25)Official Text of H.R. 4548Official Text of S. 2365Educating Policymakers About the Nonprofit Workforce:Five Surprising Facts About the Nonprofit Workforce (FTP hand-out for Congress)NEW: Johnson Amendment Upheld:Since recording this episode, news arrived that a court has upheld the Johnson Amendment, maintaining nonprofit separation from political campaigns and donationsOrganizations Mentioned in the Episode:Council on FoundationsFoundations on the Hill 2026Fund the PeopleIndependent SectorNational Council of NonprofitsPhilanthropy RoundtableUnited Philanthropy ForumAdditional Links:Council on FoundationsFoundations on the Hill 2026Fund the PeopleIndependent SectorNational Council of NonprofitsPhilanthropy RoundtableUnited Philanthropy ForumRelated Episodes:Peaceful Terrorists and Violent Activists (S9:E1, January 2026)The Trump War on Charity (S8:E1, September 2025)Mr. Stahl Goes to Washington (S7:E13, March 2025)Nonprofits Made America (S7:E11, February 2025)Related Playlists:Defend Nonprofits, Defend Democracy Series PlaylistHost-Only Episodes PlaylistRusty's Rants and Reflections Playlist

Figuring out how to pay for grad school is about to get a lot trickier—and the fate of student loan forgiveness hangs in the balance. We break down what the One Big Beautiful Bill (OBBB) Act means for new grads, why programs like PSLF and SAVE are under the microscope, and how upcoming changes will shift federal loan limits and forgiveness options. We tackle real listener questions on recertifying your income during a dental residency, PSLF processing times, loan capitalization, and married filing strategies. Key moments: (02:29) The new rules after July 2026: federal loan limits and the RAP plan for grad/professional students (03:32) Whether you can avoid in-school deferment to earn IDR credit during residency (06:14) How recertifying income before forgiveness can impact your spouse's payment under IDR (07:41) Why PSLF buyback is moving at a glacial pace, but traditional PSLF is still processing (13:12) Who will still benefit from forgiveness after the OBBB Act   Resource mentioned:  studentloanplanner.com/voicemail – submit questions to the show   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

If you've been coasting since COVID without recertifying your income-driven repayment plan, that grace period is officially over. We break down what recertification actually looks like right now and talk about recalculation, payment caps, the kinds of forbearances that help (or hurt) your progress toward forgiveness, and a weird glitch flagging people as Parent PLUS borrowers when they're not. You'll learn where to find your recert date, what to do when your loan servicer fumbles your file, and how to avoid common mistakes in a system that seems designed to trip you up, all while staying on track for PSLF or long-term forgiveness. Key moments: (04:02) Servicers pulling income 4 months before recertification dates — and sometimes applying new payments early (06:49) How to choose whether to recalculate, switch plans, or manually recertify in the IDR recertification portal (14:59) 626,000 pending IDR applications, and what to do if yours has been sitting for months (21:01) Payment caps and why denial letters aren't always bad (24:19) The Parent PLUS glitch making recertification impossible for some, and how to fix it   Resources mentioned:  StudentAid.gov for up-to-date recertification information and account access Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

The One Big Beautiful Bill didn't kill PSLF outright, but once you run the numbers on the new borrowing limits and the Repayment Assistance Plan (RAP), the financial incentive for Public Service Loan Forgiveness essentially evaporates for future borrowers. I walk through exactly how this plays out for physicians, PAs, NPs, teachers, lawyers, and other professions — and why existing borrowers are grandfathered in but should still pay attention. I also break down what the new math means for private universities, which degrees still pencil out financially, and a critical deadline for Parent PLUS borrowers that could affect your ability to retire. Key moments: (03:57) How the new $50K/year loan cap makes PSLF nearly worthless for physicians entering med school this fall (07:51) Second-year students are grandfathered in and can borrow Grad PLUS to finish their program (09:18) How lower borrowing limits gut PSLF for NPs, PAs, teachers, and lawyers (16:09) The Parent PLUS consolidation deadline before July 2026, and why waiting too long could make income-based repayment permanently inaccessible   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Things are not "calm and predictable" in student loan land right now. Hear real stories from recent consultations and learn what actions matter most before the June 30th, 2026, consolidation deadline. We dig into what's happening with PSLF case reviews, consolidation risks, tax season strategies, and what Parent PLUS borrowers need to know now that double consolidation is gone. Even if you feel lost or overwhelmed, you'll finish this episode with a checklist of things to act on now to protect your strategy before small mistakes turn into expensive ones. Key moments: (02:22) Why PSLF payment histories are missing and how to file a complaint with StudentAid.gov (08:49) Consolidate after June 30, 2026, and you could add 10 years to forgiveness (18:37) Smart strategies for tax returns and loan recertification (26:42) Double consolidation is over for Parent PLUS borrowers — here's what to do now Resources mentioned:  File a StudentAid.gov complaint File a CFPB complaint   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Dr. Jimmy Turner and Michael Johnson, a physician contract attorney, break down the main types of physician employment: classic academic roles, future business ownership in private practice, and perpetual employment. They discuss the financial and professional implications of each, emphasizing the importance of contract negotiation, student loan strategies (especially PSLF), and understanding practice ownership agreements. Real-life examples highlight risks, benefits, and ethical considerations, equipping physicians with practical advice to align employment choices with their financial goals, values, and desired work-life balance. The episode stresses the need for careful planning and ongoing financial education for medical professionals. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get ideas for spending less in February and learn how deferment affects Public Service Loan Forgiveness (PSLF) payments. How can a month-long spending challenge reset your money habits? Should you keep paying student loans while in grad school if you're close to Public Service Loan Forgiveness and planning a move? Hosts Sean Pyles and Elizabeth Ayoola discuss no-spend experiments and “friction” strategies to help you build spending habits that stick while juggling big life changes. Joined by personal finance Nerd Amanda Barroso, they begin with a discussion of designing a February no-spend challenge, with tips and tricks on setting rules that fit your life, deciding where the saved money will go, and avoiding a binge-and-purge rebound. Then, lending Nerd Kate Wood joins Sean and Elizabeth to help answer a listener's question about how to weigh student loan payments against saving for a new home. They discuss how deferment affects qualifying PSLF payments, what to check before switching repayment plans or taking out new grad school loans, and how to prioritize cash flow when you're balancing a car payment, a mortgage, and an emergency fund. See NerdWallet's list of the best private student loans: https://www.nerdwallet.com/student-loans/best/private-student-loans  See all the winners of NerdWallet's Best-Of Awards: https://www.nerdwallet.com/l/awards?utm_source=sm&utm_medium=podcast&utm_campaign=cm_organic_020226_podcast_sm_desc_allepisodes_best-of-awards  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: no-spend challenge, low-spend challenge, spending freeze, budgeting challenge, money habits, impulse spending, track expenses, friction-maxxing, cash-only budget, stop online shopping, takeout spending, spending triggers, phone addiction and spending, Brick phone blocker, attention and spending, sinking fund, emergency fund, high-yield savings account, student loan deferment, student loan payments in grad school, Public Service Loan Forgiveness, PSLF qualifying payments, PSLF payment count, qualifying employer PSLF, income-driven repayment, PAYE repayment plan, Income-Based Repayment, Income-Contingent Repayment, Repayment Assistance Plan, graduate student loan changes 2026, Grad PLUS loans, federal student loan borrowing limits, professional degree loan cap, nursing graduate student loans, buying a house with student loans, mortgage planning, moving costs, car payment budget, and student loan forgiveness uncertainty. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Parent PLUS loans are about to get a lot more complicated, and most families have no idea what's coming. In this episode, senior student loan advisor Lauryn Williams, CFP®, CSLP®, AFC®, sits down with student loan expert Janna McKay, AFC®, CSLP®, to break down the biggest changes affecting Parent PLUS borrowers. You'll learn about the end of double consolidation, new repayment access rules, and what the July 2026 deadline really means for forgiveness and Public Service Loan Forgiveness (PSLF). If you're a parent helping kids through college, this episode could save you from a costly mistake. Key moments: (06:38) Why double consolidation is officially dead (and what replaces it) (08:10) Quick clarification for borrowers who don't have Parent PLUS loans (13:38) Real client cases where consolidation mistakes caused major problems (22:43) Why borrowing after July 2026 could permanently block PSLF for parent borrowers (33:18) Legacy provisions for borrowing before July 1, 2026 vs. borrowing after     Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Today we are talking to an ER doc who fulfilled her dream of doing an epic bike ride across Europe. She rode 2,500 miles from Italy to Norway with over 500 people from all over the world. She knows that health is never guaranteed and wanted to accomplish this goal while she is still physically strong enough. She has taken care of her financial life and has reached financial independence so she had the freedom to make some changes to achieve her goal. She was willing to quit her job if necessary but ended up going to part time and with the help of great colleagues she was able to take 7 weeks off. She shows us what the point of financial freedom really is - getting to do what you value with your life! As a white coat, you have valuable knowledge. Various companies want that knowledge. And they're willing to pay you for it! That's why we've put together a list of recommendations for companies that pay you to take surveys. If you're looking for a profitable side gig for not too much effort, getting paid for surveys could be the perfect solution for you. You can make extra money, start a solo 401(k), and use your medical knowledge to impact new products. One of the WCI columnists makes an extra $30,000 a year just doing these surveys. Sign up today and use a fraction of your downtime to make extra cash! Go to https://whitecoatinvestor.com/MDSurveys Celebrating your stories of success along the journey to financial freedom! Tune in every Monday to the Milestones to Millionaire Podcast, where we celebrate the financial achievements of our listeners and share practical tips for reaching your own milestones. We want to celebrate your milestones—no matter how big or small—and help inspire others to follow your lead. Every week, these episodes feature one listener who has recently achieved a milestone they are proud of and want to celebrate, and they give any advice they have for those who want to follow their example. Make sure to listen every Monday to be inspired by your fellow white coat investors. Celebrate YOUR Milestone on the Milestones to Millionaire Podcast: https://whitecoatinvestor.com/milestones  Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #257 02:20 EM Doc Reaches Financial Independence 20:14 How Does PSLF Work?

2026 may be the most confusing year for student loans yet. Find out what's actually changing with repayment plans, forgiveness, and Parent PLUS loans — and learn what you should be paying attention to right now. We'll also hear real listener questions about PSLF during a government shutdown, IDR recertification delays, getting out of SAVE forbearance, and whether PSLF buyback is worth counting on. If you're feeling anxious heading into 2026, this episode can help you make smart decisions without overreacting. Key moments: (00:44) Does government shutdown time count for PSLF? (08:26) Moving out of the SAVE forbearance, PSLF buyback and family size rules (20:10) Considerations for filing taxes jointly vs. separately (29:30) Warning for Parent PLUS borrowers who are still borrowing or who haven't yet consolidated (35:31) RAP plan rollout and what borrowers should expect next Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff.  On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe not officially dead).  What does that mean for the seven million borrowers still enrolled in the plan?  Next steps for SAVE plan participants:  Most folks will likely need to apply to move into a new income-driven payment plan or move into a Standard repayment plan.  This means recertifying income and enrolling in one of the remaining plans.  Currently, those options are IBR, ICR, or PAYE with the new RAP plan being rolled out this coming summer.  If the goal is to work toward Public Service Loan Forgiveness (PSLF), you will likely want to enroll in the plan that equals the lowest payment.  When you reach 120 months of qualifying employment, you can look into the “Buyback” program to see if you can make payments from your time in forbearance.  If the goal is not PSLF, you can explore lots of options, payment plans, and even refinancing.  Although move slowly with refinancing!  Moving to a private bank has some downsides.  As with everything, your student loan approach should be determined based on your goals and needs.  Any strategy (including loan repayment) depends on the specifics of your situation.  If needed, consult with a professional to try to find the best strategy for your loans.  They were an investment in your future!   But we don't want them hanging over your head forever.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Income-Based Repayment has turned into a maze for a lot of borrowers, from unexpected forbearances to confusing "partial financial hardship" determinations that don't add up. Learn why so many borrowers are stuck in SAVE forbearance, what's really going on with IBR denials, and what the Department of Education says it's going to fix by early 2026. We'll also talk about new proposed borrowing limits, how they could reshape entire professions, and what that might mean for your salary, PSLF strategy, and long-term plan. Key moments: (02:17) What "partial financial hardship" actually means — and when it shouldn't block IBR (05:29) The out-of-cycle rulemaking session and why 2026 could bring sweeping IDR changes (06:36) Why proposed borrowing caps could upend grad and professional programs (11:31) The ripple effects on earnings, PSLF planning, and long-term loan strategy (14:02) What might trigger Congress to rewrite the rules again before 2028 Resource mentioned: Apply for or recertify income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!We tackle a raw listener question about carrying $520k in med school debt, feeling guilty about pursuing Public Service Loan Forgiveness, and navigating first‑gen family expectations. We break down what PSLF really is, why it exists, and how to compare it against traditional and accelerated payoff paths.FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsLINKS MENTIONED SIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE!Send us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxHave a question for the podcast?Text us at 833-230-2860 Wanna listen instead? Apple podcast: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/7lPD2QG...Instagram: @docsoutsidetheboxEmail: team@drniidarko.comTwitter: @drniidarkoMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!

We've been working on something big behind the scenes, and today I finally get to share it. We launched the SLP Insiders app, a dedicated community built for borrowers who want clarity, connection, and a calm place to ask questions without getting pulled into the noise of social media. Learn why we built it, who it's for, and how it can help you stay on track through the constant waves of servicer issues, PSLF updates, and IDR rule changes. If you've ever wished you had "your people" to talk loans with, this is the moment. Key moments: (01:54) The flood of borrower emails and how a community fills the gap (04:41) Profession-specific channels for physicians, dentists, lawyers, and more (10:10) RAP plan timing, huge interest subsidies, and why flexibility matters early on Resource mentioned:  The Student Loan Planner app   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

A lot of borrowers are wondering how to get their loans forgiven without getting crushed by taxes later, especially with that 2026 tax-free forgiveness deadline creeping closer. In this episode, I walk through the lesser-known ways forgiveness can be tax-free, how timing affects whether you owe anything, and what thoughtful planning looks like if you're headed toward taxable IDR forgiveness. You'll also hear several listener questions that tie directly into PSLF quirks, marriage and income decisions, and whether refinancing really makes sense for high earners. Key moments: (01:35) Employer lump-sum PSLF mess and how to escalate when servicers contradict themselves (08:11) Acupuncturist's loans, marriage stress, and married-filing-separately trade-offs (16:57) Should high earners refinance or keep federal protections and flexibility (26:03) What happens if PSLF rules get blocked, and who should actually worry (29:11) Tax-free forgiveness strategies, tax bomb planning, and smart moves before 2026   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Today we are talking with am Emergency Doc who has paid off over $500,000 in student loans in only 3 years! This couple committed to getting rid of these loans as fast as they could and chose to live like residents and pour everything they could into tackling them. He is the doc and she is a physical therapist who is pursuing PSLF to pay off her $185,000 of loans. They are excited to start tackling their next goals like making home improvements and paying off the mortgage. For Finance 101 we are talking about PSLF. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #250 01:20 $500k Student Loans Paid Off 09:15 Advice For Others 18:13 Public Service Loan Forgiveness Update

Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, Stanley Tate. We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You'll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think. Key moments: (05:07) How worried should you be about the new PSLF rules (09:20) The weighted-average credit confusion after consolidation (16:32) The risk of choosing between federal and private student loans is quite high (24:28) SAVE forbearance, recertification delays, and the Parent PLUS trap (43:47) What we're watching in negotiated rulemaking and RAP vs. IBR Resource mentioned: Stanley Tate's YouTube channel   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Public Service Loan Forgiveness could look very different if the new proposed rules move forward. The Trump administration is exploring ways to strip PSLF eligibility from employees of organizations the administration doesn't like. That could mean hospitals, nonprofits, or legal aid groups suddenly losing access to forgiveness — with no way for employees to appeal. We also get into ongoing rulemaking around professional degree borrowing limits and repayment plan updates, plus smart moves for refinancing or managing your mortgage. Key moments: (01:15) The four main categories that could determine loss of PSLF eligibility (08:38) Negotiated rulemaking and new borrowing limits for professional degrees (12:27) When refinancing your student loans or mortgage makes sense (18:14) Your 2025 tax returns will be very important for income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Spencer Reese welcomes Lieutenant Commander Webster Felix, a Navy prosthodontist, for an in-depth discussion about maximizing military medicine benefits. Webb's journey from enlisted E6 dental student to O5 prosthodontist showcases the incredible opportunities available in military healthcare. This episode unpacks lesser-known scholarship programs, specialty training funding, loan forgiveness strategies, and GI Bill transfers that enabled Webb and his wife to complete advanced degrees debt-free while building generational wealth for their family. Lieutenant Commander Webster Felix, USN Specialty: Prosthodontist (restorative dentistry expert, full mouth rehabilitations) Current Station: Naval Medical Readiness and Training Command (NMRTC) Pearl Harbor, Hawaii Career Timeline: 14 years active duty, recently selected for O5 Education: Bachelor's in Biology, Temple University (2011) DDS, Columbia University College of Dental Medicine (2015) Master's in Dental Education (completed during dental school using GI Bill) Prosthodontics Residency, USC (2021-2024, funded by DUIN) Instagram: @prosthopapi - Features clinical cases and prosthodontic work Personal Background: Son of Haitian immigrants who arrived in the US in 1987; first-generation college graduate demonstrating how military medicine can transform generational wealth trajectories HSCP vs HPSP - The Scholarship Most People Don't Know About: HPSP covers full tuition but you're not active duty during school HSCP means active duty status (E6/E7 pay + BAH + TRICARE) but you take loans for tuition Webb entered dental school as E6, commissioned directly to O3E in 2015 Critical advice: Apply for BOTH programs simultaneously The $500K Student Loan Forgiveness Strategy: Graduated Columbia dental school with ~$400-500K in loans Enrolled in Public Service Loan Forgiveness (PSLF) immediately First payments: $170/month (based on E6 salary) Current payments: ~$800/month (O4E salary) Hitting 10-year mark in October 2025—expecting full forgiveness Must consolidate to federal direct loans or you won't qualify Duty Under Instruction (DUIN) - Free Specialty Training: Navy funded Webb's 3-year USC prosthodontics residency Continued receiving full salary, BAH, and bonuses—zero out-of-pocket costs FTOS (Full-Time Out-Service) allows civilian residency attendance Competitive annual program—check BUMED notices for available slots Strategic GI Bill Transfers: Webb transferred 15 months of GI Bill to his wife She completed UCLA nurse practitioner program debt-free Still has 15 months remaining for kids' education Transfer requires 4-year commitment—sign paperwork strategically Career Highlights: Temple University → Columbia DDS → O3 commission (2015) San Diego (AEGD) → Port Hueneme/Okinawa (Seabees, 2 deployments) → Key West → LA (USC residency) → Pearl Harbor Wife completed NP degree concurrent with his residency while caring for one-year-old Key Takeaways Military Medicine Benefits Add Up Fast: TRICARE coverage during school and career Active duty time counting toward retirement during education PSLF potential for massive loan forgiveness Specialty training fully funded (DUIN) GI Bill transfers for spouse education No pressure to over-treat patients for profit Civilian vs Military Prosthodontist Pay: Civilian side approximately 2X on paper But when factoring TRICARE, BAH, pension, education benefits—much closer Some civilian practices sacrifice autonomy for high volume/pay Military provides genuine patient care without profit motive Critical Actions: Apply for both HSCP and HPSP if pursuing military medicine Consolidate all student loans to federal direct loans immediately Enroll in PSLF and never miss payments Join Facebook group: "Public Service Loan Forgiveness Program Support" (216K members) Sign GI Bill transfers concurrent with existing obligations Resources Mentioned Kate Horrell's episodes - GI Bill expert (new book: "College Planning for Military Families") Dr. Pritish Sahoo episode - Army medicine path MMM Podcast #181 PSLF Facebook Group - "Public Service Loan Forgiveness Program Support" Naval Postgraduate Dental School (Bethesda) BUMED annual DUIN notices Who This Is For Pre-med/dental students considering military service, active duty members interested in medical careers, medical officers with student debt, anyone pursuing PSLF, families planning GI Bill transfers, or those comparing military vs civilian healthcare compensation.

Send us a textA mayoral debate that felt like a prize fight. A White House wing torn down for a 9,000-square-foot ballroom. Sanctions that squeeze Russia's oil lifeline while summits dissolve overnight. And a healthcare shock that sends families scrambling to schedule surgery before premiums explode. We pull these threads together to show how spectacle keeps crowding out strategy—and how that choice lands on everyday people.First, we take you ringside at New York City's final debate: Cuomo swinging for the knockout, Mamdani refusing to fold, and Curtis Sliwa playing the comic heel with punchlines that stick. The crowd roars, the polls barely move, and a bigger story emerges about outsiders consolidating power in America's cultural capital. Trump's name hovers over the stage—weaponized by rivals, leveraged by critics—because branding beats policy when the lights burn this bright.Then we zoom out. Sanctions hit Rosneft and Lukoil, but the messaging leaves room for quick reversal. Tomahawk missiles are denied to Ukraine under the banner of training timelines, a fig leaf for escalation fears. The war-on-drugs pivots to the Caribbean with boat strikes and covert authorities targeting Venezuela, while allies and critics wonder whether there's any doctrine beyond momentum and mood. Meanwhile, China policy swings a heavy tariff hammer at a tech-driven contest that can't be bludgeoned into submission. It's improvisation at scale—sometimes effective, often disorienting.Back home, the bulldozers arrive at the East Wing. The argument isn't about taste; it's about the meaning of the people's house. Past presidents expanded for function and safety; this remake prioritizes spectacle, privately funded and publicly symbolic. At the same time, a surprising student debt relief deal offers real wins for long-suffering borrowers—PSLF buybacks, long-overdue discharges—yet the horizon darkens as 2028 threatens core income-driven plans. And then there's the gut punch: marketplace premiums jumping an average of 18 percent as enhanced subsidies lapse, with Georgia as a hard-hit case study. Families face impossible choices, insurers warn of a spiral, and leaders rehearse the same talking points while costs outpace paychecks.If you want a clear map through the noise—how local theater reflects national power, how foreign policy whiplash hits your wallet, how symbols rewrite norms and subsidies prop up shaky systems—this is your guide. Listen, share with a friend who's doomscrolling, and leave a review to tell us where you're feeling the squeeze most. Your stories shape what we unpack next. Support the show

Worried PSLF Buyback might vanish before you qualify? Let's dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it's likely to stick around, and how to position yourself if the rules change. You'll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy.  Key moments: (00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future (06:06) The growing backlog of applications and the risk of counting on Buyback approval (10:28) How to choose between SAVE, PAYE, and IBR repayment plans (14:22) When a “die with the debt” strategy makes sense in retirement (17:50) How to handle income recertification after a job change Resources mentioned:  Certify your PSLF employment Recertify or update income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

✅ Student loan repayments and forgiveness for professional students is changing fast—and the new 2026 rules under the One Big Beautiful Bill Act are set to reshape how repayment works for graduate-level borrowers across the U.S.In this episode, financial expert James Mwombela from Student Loan Planner breaks down what the new law means for law students, pharmacy students, dental students, business school graduates, optometry students, physician assistants, nurses, medical students, chiropractors, and other healthcare professionals navigating student debt.If you're in or entering a graduate or professional program, the elimination of Grad PLUS loans, new federal borrowing caps, and less generous income-driven repayment plans could directly affect your future—and your finances. This episode covers everything you need to know about the coming changes and how to prepare, strategize, and protect your financial future.

Big changes are here for student loans—and if you're a doctor, student, or high-debt professional, this episode could save you thousands. Dr. Disha Spath sits down with Aaron Smith, co-founder of Savi and longtime student loan policy advocate, to break down the One Big Beautiful Bill Act and what it really means for your financial future. Aaron has worked with the Department of Education, Congress, and the White House—and he's carried student debt himself. Together, he and Dr. Disha unravel the brand-new Repayment Assistance Plan (RAP), the elimination of Grad PLUS loans, and how these reforms reshape repayment strategies, PSLF, and refinancing decisions. Key Topics Covered: 1. The Big Beautiful Bill, Simplified What's changing in federal student loan repayment. Which repayment plans are gone, and the details behind RAP. 2. RAP vs. Current Plans Why RAP bases payments on gross income. Why locking into an income-driven repayment plan before 2026 could be a smart move. 3. PSLF Stays Strong  The good news: PSLF wasn't touched by the new law. How to avoid errors with employer certification and payment tracking. 4. Goodbye Grad PLUS Loans How cutting Grad PLUS reshapes graduate and medical school financing. What rising reliance on private loans means for lower-income students. 5. Smart Moves for Current Borrowers How to maximize forgiveness and avoid costly mistakes. Critical timelines for choosing your repayment plan. 6. Should You Refinance? When private refinancing could save you money—and when it locks you out of forgiveness forever. What falling interest rates might mean for borrowers in 2025–2026. 7. Employer Support & Advocacy How hospitals, universities, and employers are stepping up with student loan benefits. Why employer advocacy is helping expand PSLF eligibility. Listener Takeaways: Act before July 2026: Enroll in an income-driven plan now to keep your options open. PSLF is safe—but annual employer certification is key to avoiding lost credits. Future grad students beware: With Grad PLUS gone, private loans will change the game. Refinancing is final: weigh lower interest rates against losing federal protections. Stay plugged in—loan policy is shifting fast, and being proactive could save you years of payments. Resources Mentioned: Black Swan Real Estate Savi Student Loan Platform Secure Freedom Fund U.S. Department of Education PSLF Help Tool Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Aaron Smith, Co-Founder of Savi   This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors.  Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages.  This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more.  If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg.  That's SecureFreedomFund.com.

Today we are answering a variety of listener questions. We start out talking about if it is important to have a bank with a branch where you live. If you live in a smaller town should you move from a national or online bank to a smaller local bank or credit union? We then talk about how to save up for big purchases. If you have a big cost coming up like buying a house or a boat where should that money sit while you save up? We then spend some time talking about what to do with your retirement accounts when you move states. We answer a question about diversifying out of Apple stock, then discuss the challenges around what to do when your parents should no longer drive their car. Finally we discuss if you should try to get PSLF. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube Student Loan Advice for all your student loan needs: https://studentloanadvice.com Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor Join the community on Twitter: https://twitter.com/WCInvestor Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #439 02:01 Where Should You Bank? 11:03 Best Place to Keep Cash 17:07 Switching Jobs & Moving 26:22 Capital Gains in a UTMA 31:00 When to Give Up Driver's License 34:00 PSLF vs. Paying Off Student Loans

This week on “Off The Cuff” Tim is joined by Jill to dive into the latest developments concerning the Department of Education's (ED) proposed regulations for the Public Service Loan Forgiveness (PSLF) program. To kick things off, Jill provides a brief recap on the recent negotiated rulemaking (Neg Reg) committee that considered regulations concerning PSLF, as well as where things stand with that committee's timeline. Jill then details what implications these proposed regulatory changes could have on the program and explains recent comments that NASFAA submitted in response to ED's proposed rules.  

Old IBR, New IBR, PAYE, REPAYE, RAP, it may seem like a fruit salad of letters. In reality, these are just some of the payment plans doctors have used on their quest to PSLF. It can be confusing, especially in recent years, to understand what plan is best for you. Listen in as Nate Reineke breaks down the history of PSLF, the chaos and uncertainty in recent years, and where the program stands now. We also discuss recent changes that have just passed in the One Big Beautiful Bill Act. Be sure to listen to the end to hear what physicians can do right now to make meaningful progress toward loan forgiveness. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Today we are talking with an academic plastic surgeon who is celebrating getting both PSLF and becoming a millionaire. He is just starting his 5th year of practice. He and his wife are both committed to financial literacy. They have a 30% savings rate and have no consumer debt. This doc shared that he didn't have great examples growing up of how to be wise with your money and said he had to unlearn some bad habits in addition to learning how to invest and grow wealth. After the interview we are talking about PSLF for Finance 101. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://WhiteCoatInvestor.com/Protuity today by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 MtoM Podcast #241 03:19 Plastic Surgeon Receives PSLF and Becomes a Millionaire 16:14 Advice For Others 18:40 Public Service Loan Forgiveness (PSLF)

Sign up for early access to our upcoming finance course here>>> https://autumn-sky-2941.kit.com/0f2b011d3c  Are student loans really good debt? Should you pay them off fast or play the long game?  In this episode, we have the pleasure of hosting student loan professional Emma Crawford, as we explore repayment philosophies, PSLF essentials, common pitfalls, and the best strategies for physicians, whether you're in academia, hospital-based, or private practice. Whether you're just out of med school or deep into repayment, this episode includes practical insights to help you make smarter financial moves. After graduating with her master's degree in Counseling Psychology from the University of Minnesota in 2016, Emma was saddled with student loan debt. She felt overwhelmed and confused by the intricacies of the different repayment plans and Public Service Loan Forgiveness (PSLF) program but didn't know who to contact or who to trust for help and support. Knowing there had to be a better way, she dedicated her time and efforts toward becoming a financial planner to help others feel less alone as they navigate the complex world of federal student loan debt. As a CERTIFIED FINANCIAL PLANNER™ professional, Certified Student Loan Professional®, and founder of October Loan Strategies, she creates fully customized student loan plans with concrete, step-by-step instructions to help clients minimize payments and maximize forgiveness. So far, she has consulted on over $100 million in student loan debt and helped clients receive $10 million in student loan forgiveness - and has won a few awards along the way! In this episode, we share strategies for cracking the code on student loans as we answer questions like; What are some different philosophies regarding paying back student loans? Do we pay them off rapidly, or play the long game? What are some common student loan management strategies that are used for physicians in academic jobs? Hospital based? Private practice? Should you consolidate your loans into one? And more!

When you think about building wealth in medicine, do you picture yourself working at one job until retirement? My guest today, Kristin Burton, proves there's a better way. She began her career like many of us, buried in student loan debt and working long hours. After paying off $161,000 in just 16 months, she realized financial freedom was about more than debt elimination. Kristin shares how she shifted her focus from paying bills to building assets, investing aggressively in her twenties, and eventually creating income streams outside of medicine. We talk about the mindset shifts healthcare professionals must make to get ahead, and Kristin also shares how she helps other PAs, NPs, and PharmDs rethink their financial journey, create sustainable wealth, and avoid burnout in medicine. If you're wondering whether it's possible to thrive in your career, grow your wealth, and still have time for family and passions, this episode is for you! “If you can create a gap between your expenses and income and then create some assets with the gap, it's almost inevitable that you're gonna end up building some wealth.” ~ Kristin Burton In This Episode:- Kristin Burton's journey of paying $161k in student debt- What steps did she take toward becoming a millionaire?- Why your income level doesn't matter in building wealth- What Kristin would do differently and her current beliefs- Biggest client "head trash": PSLF myths and the 4% 401k mindset - How do you help healthcare professionals avoid lifestyle inflation?- Kristin's book recommendations - Redefining wealth: from net worth goals to "what is enough?" - How to find out more and join Kristin's community Book Recommendations Mentioned in the Episode: The Alchemist by Paulo Coelho: https://a.co/d/3yayzkg 10x Is Easier Than 2x by Dr. Benjamin Hardy & Dan Sullivan: https://a.co/d/hlbLEbG Who Not How by Dr. Benjamin Hardy & Dan Sullivan: https://a.co/d/2Ol8RjwThe 5 Types of Wealth by Sahil Bloom: https://a.co/d/6SMYeNH Die With Zero by Bill Perkins: https://a.co/d/6ae8TSq Join The Millionaires in Medicine Club!Learn how to clear debt and build wealth as a PA, NP, or PharmD: https://www.millionairesinmedicine.com/community Connect with Kristin Burton: Website: https://www.millionairesinmedicine.com/ LinkedIn: https://www.linkedin.com/in/kristin-burton-pac `Resources:➡️ Free community of high-performing physicians: the Physician Wealth Accelerator - https://limitless-md.mn.co/➡️ Check out my programs - https://vikramraya.com/coaching/➡️ Apply to become a Limitless MD -

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Over the past few weeks, we've been collecting your questions, and wow… you did not hold back. We're answering as many as we can fit in one episode, covering topics like forgiveness deadlines, confusing recertification rules, and loan servicers who seem to speak in riddles. You'll hear from people on the brink of PSLF forgiveness, parents in the middle of tricky Parent PLUS double consolidations, and grads wondering if they should act now or wait. If you've been wondering what to do next with your loans, there's a good chance we'll hit on something that helps you figure it out.   Key moments:   (09:25) Will the Big Beautiful Bill impact incoming students in August 2025, or only those who begin in the academic year 2026? (16:18) Why is my interest growing when MOHELA said it would be 0%? (28:01) Borrowing after July 2026 locks you into the RAP plan, but you could still qualify for PSLF (37:44) What happens when your employer refuses to certify qualifying PSLF work (46:36) The one scenario where paying extra on student loans makes sense (51:08) How to push your case forward after long delays from your servicer   Resources mentioned: File an FSA complaint Escalate issues to the FSA Ombudsman Group Reach out to your local representative or senator   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

If you've been riding the SAVE Plan forbearance wave, a big shift is headed your way. The Department of Education announced that the SAVE forbearance will officially end on August 1, 2025. That means interest starts ticking again, and borrowers will be pushed to switch repayment plans. Most will be steered toward the old Income-Based Repayment (IBR) plan, especially with the One Big Beautiful Bill Act set to overhaul everything in July 2026. But you've still got options. Find out what the end of SAVE forbearance means for your loans, what the government is recommending (and why), and how you can make the smartest move for your student loans. Key moments: (04:01) Choosing between IBR and RAP depends on PSLF status, years in repayment, and forgiveness goals (07:46) PSLF isn't dead: why potential policy reversals don't mean your forgiveness plan is doomed (09:41) When paying off your loans might actually make more sense (and how to get a lower interest rate) (14:50) After years of chaos, borrowers just want stable rules so they can actually plan their lives Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

This dual doc couple has a very impressive milestone today. They have saved $100,000 towards retirement during residency. They wanted to give themselves more compounding interest time and not wait until they were attendings. This doc also shared about their student loan journey. They met with Andrew at StudentLoanAdvice.com and got a plan in place early. They decided that they did not want to go for PSLF so before they started residency they refinanced their loans. They took a risk to refinance when their loans were at 0% but they locked in sub 3% and are now feeling very good about their decision. Then, for Finance 101 we are talking about plan documents for employer provided retirement accounts. Many investors know about the historic returns, tax advantages, and wealth-building opportunities of commercial real estate investing, but they're confused about where to start or who to trust. Wellings Capital has created a diversified fund that offers investors an easy on-ramp to access carefully vetted commercial real estate operators and opportunities. Their goal is to provide income, growth, and tax benefits with limited downside risk. With a minimum investment of $50,000, investors get a stake in a portfolio of self-storage, manufactured housing, RV parks, industrial properties, and more. To learn more, go to https://whitecoatinvestor.com/wellings The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Have you achieved a Milestone? You can be on the Milestones to Millionaire Podcast too! Apply here: https://whitecoatinvestor.com/milestones  Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 

7.8.2025 #RolandMartinUnfiltered: SCOTUS OKs Fed Layoffs, Medicaid Farmworker Mandate, PSLF Shakeup, Deltas in DC & Leafy Bamboo TP The Supreme Court has just cleared the way for the Trump administration to restart massive layoffs across nearly two dozen federal agencies. We'll break down what this means for federal workers and services. The Trump administration is now signaling that able-bodied adults on Medicaid may soon be expected to replace undocumented farmworkers, as mass deportations ramp up across the country. Also tonight, we'll break down what "the orange one" has in store for your loan forgiveness programs. The proposed changes to Public Service Loan Forgiveness could hit borrowers hard. We'll speak with an expert about what's at stake and how it could impact millions of Americans. The ladies of crimson and cream are taking over Washington, D.C., this week for the 57th National Convention of Delta Sigma Theta Sorority, Incorporated. We'll speak with the sorority's international president about the significance of this historic gathering. And in tonight's Marketplace segment, we're spotlighting Leafy--an eco-friendly brand that's reinventing everyday essentials, starting with bamboo toilet paper. #BlackStarNetwork partner: Fanbasehttps://www.startengine.com/offering/fanbase This Reg A+ offering is made available through StartEngine Primary, LLC, member FINRA/SIPC. This investment is speculative, illiquid, and involves a high degree of risk, including the possible loss of your entire investment. You should read the Offering Circular (https://bit.ly/3VDPKjD) and Risks (https://bit.ly/3ZQzHl0) related to this offering before investing. Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Today we are tackling a variety of topics starting off with a few questions regarding Public Service Loan Forgiveness. We talk about looking for disability insurance as a resident and then answer a few questions about bonds. We wrap up with a question about calculating how much money you need for retirement. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

In this month's Smart Planning segment, a financial advisor discusses how to build a smarter debt payoff plan without sacrificing long-term financial goals. What's the smartest way to make progress on credit card debt when budgeting alone isn't cutting it? When can debt consolidation tools actually make your situation worse? Hosts Sean Pyles and Elizabeth Ayoola discuss strategies for getting out of debt without sacrificing long-term financial stability. But first, they begin with a round of Smart Money, Dumb Money, Fun Money, where they talk about some of the smartest, dumbest and “funnest” things they've seen in the world of money lately, from maximizing credit card rewards to avoiding loyalty traps with insurance providers to choosing which splurges are actually worth it. Then, they're joined by Daniel Messeca, Certified Financial Planner and co-host of the Check Your Balances podcast, to help listener Safia weigh whether tapping their 403(b) to pay off $36,000 in credit card debt is a smart move. Together, they explore how to evaluate the long-term tradeoffs of using retirement funds, how to spot and plug budget leaks, and how nonprofit credit counseling, 403(b) loans, and even bankruptcy might fit into a comprehensive debt payoff plan. Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: American Express Blue Cash Preferred Review: Perhaps the Ultimate Family Card https://www.nerdwallet.com/reviews/credit-cards/american-express-blue-cash-preferred  Citi AAdvantage Executive Review: Your Key to the Club https://www.nerdwallet.com/reviews/credit-cards/citi-aadvantage-executive  Track your net worth, stay up-to-date on consumer news, and learn smart money moves on the NerdWallet app: https://nerdwallet.com/app  Compare auto insurance rates in 2 minutes: https://www.nerdwallet.com/m/insurance/auto-insurance/compare-quotes-control-29  In their conversation, the Nerds discuss: using 403b to pay off credit cards, credit card debt payoff strategies, credit card consolidation options, nonprofit credit counseling, 403b loan vs withdrawal, how to budget paycheck to paycheck, emergency fund savings tips, high-interest credit card strategies, 0 APR balance transfer, eSIM international travel, rental car insurance credit card, car insurance loyalty penalty, budgeting apps for debt payoff, student loan repayment tips, public service loan forgiveness program, SAVE plan student loans, income-driven repayment plans, how to reduce entertainment spending, reducing eating out budget, how to start a side hustle, budgeting for low income, when to pause retirement contributions, how to qualify for PSLF, tips for high annual fee credit cards, choosing the right rewards card, using hobbies for self-care, fun money budgeting tips, best credit cards for groceries, and car insurance shopping tips.  To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Journey to Launch, I'm joined once again by Travis Hornsby, founder of Student Loan Planner. Travis returns to break down the current state of student loans, including what's changed under the Biden and Trump administrations, what borrowers should expect moving forward, and how to navigate the uncertainty with smart, strategic planning. Whether you're a recent grad or have six-figure student debt, this episode will help you better understand your options and next steps. What You'll Learn in This Episode: What happened to Biden's student loan forgiveness and SAVE Plan—and why they're essentially dead How the IDR account adjustment and PSLF waiver may still benefit you What the new GOP proposals could mean for repayment plans and forgiveness timelines The difference between public vs. private student loans—and strategies for managing each Why many borrowers should consider enrolling in an Income-Driven Repayment (IDR) plan now Check out the video to this episode on YouTube here. Other Links Mentioned in episode:  Book Your Custom Student Loan Plan at Student Loan Planner, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Travis Hornsby: Website Instagram: @StudentLoanPlanner Twitter:@StudentLoanTrav Facebook:@StudentLoanPlan Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

This family doc has all kinds of milestones to celebrate. He recently received PSLF, his net worth just exceeded $1 million and he is almost to $1 million invested. He is crushing the finance game. His secret to success is side gigs, side gigs, side gigs! He knows how to hustle and had the benefit of having his financial awakening during training so he could hit the ground running when he became an attending. For finance 101 we are talking about long term bonds. This podcast is sponsored by Bob Bhayani at Protuity. He is an independent provider of disability insurance planning solutions to the medical community in every state and a long-time White Coat Investor sponsor. He specializes in working with residents and fellows early in their careers to set up sound financial and insurance strategies. If you need to review your disability insurance coverage or to get this critical insurance in place, contact Bob at https://whitecoatinvestor.com/protuity today, by email info@protuity.com or by calling (973) 771-9100. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Watch The X22 Report On Video No videos found The [DS][CB] are now building the narrative that Trump is going to bring the country into a recession. The [CB] only has a small window to blame him, big fai. The country is already in a recession and this is why Trump is getting ahead of the story. Manufacturing jobs are already coming back to the US. Trump need the CR to carryout the golden age plan. The [DS] is panicking, they know Elon and DOGE are getting closer on how they launder the money, actually they already know they are dripping the info out so the [DS] players feel pain. The [DS] will fight back but it will fail in the end because treason doesn't pay well. Trump put out a pic of him and Elvis, is he pointing to the king? When do you attack the king. Time is almost up for the [DS].   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/KobeissiLetter/status/1898769011757752653 Trump Signs Executive Order Placing Stricter Limits on Biden's Student Loan ‘Forgiveness' Program   The Hill reports: Trump signs executive order limiting eligibility for Public Service Loan Forgiveness President Trump signed an executive order on Friday to exclude nonprofits that he says engage in “the subsidization of illegal activities” from the Public Service Loan Forgiveness Program (PSLF). The executive order states “individuals employed by organizations whose activities have a substantial illegal purpose shall not be eligible for public service loan forgiveness.” PSLF is a student loan program that lets those in government positions such as police or teachers, along with those working with nonprofits, to receive debt forgiveness after making 10 years of consecutive payments.   We should get rid of this program altogether, but this is a good start. https://twitter.com/amuse/status/1898365504407904375?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1898365504407904375%7Ctwgr%5E3577e8e67a50c26fd5b6e12b1704b4baede64322%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F03%2Ftrump-signs-executive-order-placing-stricter-limits-bidens%2F Source: thegatewaypundiut.com Federal Reserve chairman issues devastating 8-word warning to Donald Trump The chair of the Federal Reserve has admitted that Trump's tariffs are only going to increase inflation. Source: themirror.com Why Trump's economic gamble will force the Fed's hand We've seen this playbook before. Every time markets teeter, the Fed responds with rate cuts, quantitative easing, and emergency liquidity measures. Trump is counting on this. A recession gives him the perfect excuse to pressure the Fed into opening the monetary floodgates. There's one problem with Trump's plan – Fed chairman Jerome Powell. Originally appointed by Trump, Powell has become an obstacle. His 2024 rate cuts were widely seen as a political move to help Kamala Harris, and now he's trying to prove his independence by keeping monetary policy tight. But Powell doesn't need to agree – he just needs to react. If economic conditions deteriorate fast enough, the Fed will have no choice but to pivot. It always does. Source: afr.com  https://twitter.com/KobeissiLetter/status/1898486353261900275  manufacturing firms in at least 3 years and the largest jump for services firms in 2 years. Furthermore, expected cost increases are higher among companies that import more from abroad. Services firms expect their selling prices will rise by ~5.0% in 2025, the most since 2023. At the same time, manufacturing firms anticipate selling prices to increase 5....