Every teaching session in #MedEd is precious.
A group of young minds chose to spend their limited time with you; learning, guided, facilitated.
We owe it to them to prepare deeply.
Their time is a gift.
Our preparation is how we honor it.
🎓Student Loans: New Interns Huge PSLF Opportunity
There is a major opportunity available for new interns when it comes to managing student loans.
By integrating smart student loan and tax planning strategies, it’s possible to pay $49,000 less on your loans... while also having over $52,000 more forgiven through PSLF.
Let’s walk through an example:
PGY1: $60,000
PGY2: $60,000
PGY3: $60,000
Attending: $300,000
Assume a student loan balance of $250,000 at 6% interest.
The average borrower on New IBR/PAYE will pay around $160,000 out of pocket and have $158,000 forgiven at the end of PSLF.
With the right strategy, you could bring your total payments down to $110,000, saving $49,000, and increase your forgiveness amount to $209,000.
One of the most overlooked benefits?
Instead of paying around $300/month during intern year, you may be able to reduce that all the way to $0/month... and still receive PSLF credit.
That extra cash in your pocket is a huge cash flow/planning opportunity.
These are the kinds of strategies I build into every financial planning relationship.
Many physicians come to me initially for student loan guidance, but they often choose to stick around when I help them dream bigger and realize what's possible with thoughtful, long-term planning.
If you're navigating your student loans and want to make the most of your training years, I'm here to help.
Reach out!
Say Hi! 👋
#Clinicalreasoning isn’t best taught by experts.
It’s best scaffolded by near-peers, senior medical students who remember the struggle.
They ask better questions, model reasoning, and create safer spaces for beginners.
I wonder in what conditions AI will be able to do that.
Congratulations to all students graduating this month across our campuses. Your skills, dedication, and hard work will contribute to the future of healthcare, where your expertise will bring new innovations and cures to patients around the world.
The most direct path to a fulfilling career is not to follow your passion. It's to follow your flow.
Flow is the state of full absorption. When you're in the zone, you don't even notice that you're enjoying it.
Intrinsic motivation lies in the activities where time disappears.
🎓MS4s, This One’s for You!🎓
Student loans? Totally confusing
Making mistakes? Expensive
And no one teaches you how to navigate them...
That’s why I created The Debt-Free Prescription: Everything MS4s Need to Know About Student Loan Repayment
A FREE, no-fluff guide to help you avoid costly mistakes, lock in $0 payments (for most), and maximize forgiveness.
💡Think of this like Flat Stanley, something you’ll want to share with every MS4 in your circle!
🫶The choices you make now don’t just impact your future... they can help your classmates too.
📩Download it. Read it. Share it. Let’s make sure every MS4 gets this before graduation.
🥰Consider liking and sharing this post to help it travel far and wide — just like Flat Stanley!
👇Grab your free copy in the comments!
Exciting news!
I’m wrapping up an eBook for 4th-year medical students
A step-by-step guide to lowering student loan payments and saving money during intern year
What You’ll Learn:
✅ How to reduce your student loan payments during residency
✅ A clear timeline so you know exactly what to do and when
✅ Simple strategies to save $300–$400 per month as an intern
✅ Key insights on PSLF and IDR plans to maximize savings
✅ How to avoid costly student loan mistakes
This guide is designed to help you start residency on the right financial foot
I just hope it doesn’t all blow up after the SAVE injunction ends 😩🤦🏻
👀Stay tuned!
@jasonryanmd What’s a solution?
Med students are just doing what they are being advised to do to be competitive. We didn’t set the criteria.
Research publications and experiences should be removed from ERAS in my personal opinion. Change the criteria. Change what’s important.
Medical school will always be harder for those without family/personal wealth because (1) you have to pay for it and (2) there isn’t enough free time to work. We shouldn’t make it even harder by requiring outrageous research experience for residency which favors those with money to take time off.
People use rewards expecting to gain the benefit of increasing another person’s intrinsic motivation and behavior, but in so doing, they often incur the unintentional and hidden cost of undermining the person’s intrinsic motivation toward the activity.