Student Loan Help for Physicians: Let’s Build Your Plan Together
👋 Hey! If you landed here, you’re probably thinking:
“I know I need to do something about my student loans… but where do I even start?”
Totally fair question. And you’re not alone.
Whether you’re staring down $200k of med school debt, trying to understand your repayment options, or just worried about screwing up forgiveness… we’re here for it.
Let’s break it down and build a student loan plan that actually works for you.
Real Examples of How We Help
Here are a few common situations I see with early-career physicians. These examples are for education, but they show the kind of results that can come from getting the timing and strategy right.
Dr. Patel, MS4 graduating medical school
Goal: Start residency with the lowest possible payment and avoid early mistakes.
Situation
Dr. Patel was about to graduate medical school and knew student loan payments were coming soon.
He had heard that payments during residency can be low or even $0, but he did not know how payments are calculated or which choices actually matter.
Without a plan, his loans would have been set up using default assumptions that did not reflect his situation.
Approach
We focused on setting up the right income-driven repayment plan and making sure his payment was calculated correctly from the start.
Specifically, we:
- Chose the IDR plan that made the most sense for residency
- Made sure his income was reported correctly to calculate his student loan payment
- Built a short checklist so he knew exactly what to do and when
Results
Dr. Patel started residency with a $0 per month student loan payment.
That meant:
- No required student loan payments during intern year
- Every $0 payment still counted toward Public Service Loan Forgiveness (PSLF)
- More breathing room for day-to-day expenses during training
Dr. Williams and partner, deciding MFJ vs MFS
Goal: Lower student loan payments without creating tax surprises.
Situation
Dr. Williams was married, had federal student loans, and kept hearing conflicting advice.
Some people told her to file taxes jointly. Others said filing separately could lower her loan payment.
She did not want a rule of thumb. She wanted to know which option actually cost less overall.
Approach
We looked at the full picture instead of just the loan payment.
Specifically, we:
- Compared filing jointly and filing separately using real numbers
- Calculated how each option affected her student loan payment
- Layered in the tax impact so nothing was overlooked
Then we chose the option that made the most sense for this year, with a plan to revisit later.
Results
By filing separately when the math supported it, Dr. Williams cut her student loan payment by more than $1,000 per month.
That improved monthly cash flow without creating unexpected tax issues.
Dr. Nguyen, final year of training
Goal: Keep payments low for as long as possible during the transition to attending life.
Situation
Dr. Nguyen was finishing training and expected his income to increase significantly as an attending.
He knew student loan payments are based on income, but did not realize that which tax return is used can make a big difference.
Without planning, a higher-income tax return would have been used sooner to recertify his payment, leading to a large increase earlier than necessary.
Approach
We focused on timing and which tax return would be used when it was time to recertify his student loan payment.
Specifically, we:
- Used a filing approach that allowed his most recent training-year tax return to be used longer
- Made sure that training-year income could still be used when it was time to recertify his student loan payment
- Built a clear plan for when higher payments would eventually begin
Results
Dr. Nguyen kept his $400 per month student loan payment for one additional year,
instead of jumping to roughly $2,400 per month right away.
That preserved cash flow during a major career transition.
Dr. Hernandez, new attending pursuing PSLF
Goal: Know exactly where he stands and what to do next.
Situation
Dr. Hernandez was working at a nonprofit hospital and pursuing PSLF.
He had been making payments for years but did not feel confident that everything was being tracked correctly.
He wanted to know where he stood, what counted, and what still needed to be done.
Approach
We slowed everything down and reviewed his situation step by step.
Specifically, we:
- Reviewed employment certification and payment history
- Confirmed he was in the correct repayment plan going forward
- Created a simple checklist for the remaining years
Results
Dr. Hernandez left knowing exactly where he was in his PSLF journey and what steps mattered next.
Instead of guessing or hoping things worked out, he had clarity and peace of mind.
Just Graduating or Starting Residency?
If you’re an MS4 or brand-new intern, this is the perfect time to avoid the most common (and expensive) student loan mistakes.
☁️ Lock in $0 student loan payments during intern year
☁️ Hit every deadline, even the sneaky ones nobody tells you about
☁️ Learn the 3-step plan to maximize PSLF
☁️ Get a simple, no-fluff plan that actually makes sense
Sign up for the newsletter below and get instant access to your free MS4 Student Loan Guide:
🚨 Use a personal email address to make sure you don’t miss deadlines or updates when you leave med school.
Student Loans Made Simple
Let’s Build Your Custom Plan Without the Stress
Managing student loans shouldn’t feel like a full-time job.
But between confusing repayment plans, tax implications, and forgiveness rules… it can get overwhelming fast.
If you’re here, you’re probably wondering:
☁️ Where do I even start?
☁️ Am I in the best repayment plan?
☁️ Should I go for PSLF or refinance?
☁️ How can I avoid making a big (and expensive) mistake?
☁️ Is there a way to pay less and still make progress?
You’re not alone. And you’re in the right place.
We specialize in helping early-career physicians like you make smart, low-stress decisions about your loans.
We’ll walk you through everything step by step and create a plan that fits your life, career path, and goals.
Get Expert Help Without the Stress
For $299, you’ll get a 1-on-1 session with a student loan pro (hi, that’s me… Michael), plus a personalized repayment strategy that could save you thousands.
Here’s what we’ll cover:
☁️ Which repayment plan fits your income and goals
☁️ How to maximize forgiveness (and avoid resets or errors)
☁️ Whether PSLF, PAYE, IBR, SAVE, or refinancing makes sense for you
☁️ How your loan plan ties into your tax strategy
And you’ll walk away with a clear action plan you can actually follow.
👉 Ready to stop stressing and start saving?
Your Path to Student Loan Success in 5 Simple Steps
Step 1: Schedule a Student Loan Review
☁ Book your one-hour Student Loan Strategy Session.
Step 2: Welcome to the Team
☁ After booking, you’ll get a welcome email with a short checklist to complete before our session. Takes less than 10 minutes.
Step 3: Your Strategy Session
☁ During our one-hour virtual meeting, we’ll walk through your repayment options and get all your questions answered.
Step 4: Recap and Payment
☁ After the session, you’ll receive a written recap with clear action steps.
☁ You’ll also be prompted to make your payment.
Step 5: Ongoing Support
☁ Get continued email access to me for follow-ups.
☁ Need another check-in? You can schedule a 30-minute follow-up or a discounted full review for just $199.
Extra Perks When You Work With Us
If someone depends on your income, whether it’s a partner, family, or kids, you likely need life insurance to protect them.
We’ll set up level-term life insurance that’s easy to understand, affordable, and free from unnecessary complications.
☁️ Access to RightCapital
Use this optional tool to track your finances, set goals, monitor cash flow, and get custom tasks.
☁️ Ongoing Support
Have questions later? You’ve got extended email access.
☁️ Discounted Follow-Up Sessions
Your situation changed? Schedule another strategy session anytime for just $199.
☁️ Lower Planning Fee
In training? Get ongoing financial planning for $80/month for 12 months or until you graduate.
Frequently Asked Questions
What does the one-hour review cost?
$299 includes your strategy session, written action plan, and email support.
Who is this for?
Medical students, residents, fellows, attendings, and even non-physicians looking to optimize their student loans.
How do you help with student loans?
We simplify the process and build a plan tailored to your income, goals, and career path.
What repayment strategies do you use?
IDR plans (PAYE, SAVE, IBR), PSLF, refinancing, and tax coordination.
Why should I invest in a student loan review?
To avoid costly mistakes, lower your monthly payments, and make progress toward forgiveness or faster payoff.
What happens in the one-hour meeting?
We’ll review your situation, answer your questions, and walk through repayment options.
What do I get after the session?
You’ll get extended email support, access to our planning tool (RightCapital), and follow-up sessions for just $199. Still in training? Ongoing planning is available for $80/month for 12 months or until you graduate.
What’s the benefit of IBR/PAYE for high earners?
It can keep payments lower and increase forgiveness if you qualify.
Is PSLF right for me?
We’ll evaluate your career path, employer eligibility, and payment history to find out.
Meet Your Team
👋 Hi, I'm Michael.
I help early-career physicians feel confident about money without the jargon, overwhelm, or sales pitches.
I work alongside two highly enthusiastic (but not exactly qualified) team members:
🐶 That's Max on the left, our Pawsome Intern
🐶 And Ryder on the right, our Chief Barketing Officer
Together, we’re here to make financial planning feel less intimidating... and maybe even a little fun.
Ready to Chat?
We're currently accepting new Ongoing Concierge Financial Planning clients!
Ongoing means we meet regularly and help with all parts of your financial life.
Not ready to chat?
Follow me on social for quick tips on loans, taxes, saving, and more.
Michael Putterman, CFP®
☁ Virtually serving clients nationwide ☁
Student Loan Help for Physicians: Let’s Build Your Plan Together
👋 Hey! If you landed here, you’re probably thinking:
“I know I need to do something about my student loans… but where do I even start?”
Totally fair question. And you’re not alone.
Whether you’re staring down $200k of med school debt, trying to understand your repayment options, or just worried about screwing up forgiveness… we’re here for it.
Let’s break it down and build a student loan plan that actually works for you.
Just Graduating or Starting Residency?
If you’re an MS4 or brand-new intern, this is the perfect time to avoid the most common (and expensive) student loan mistakes.
☁️ Lock in $0 student loan payments during intern year
☁️ Hit every deadline, even the sneaky ones nobody tells you about
☁️ Learn the 3-step plan to maximize PSLF
☁️ Get a simple, no-fluff plan that actually makes sense
Sign up for the newsletter below and get instant access to your free MS4 Student Loan Guide:
🚨 Use a personal email address to make sure you don’t miss deadlines or updates when you leave med school.
Student Loans Made Simple
Let’s Build Your Custom Plan Without the Stress
Managing student loans shouldn’t feel like a full-time job.
But between confusing repayment plans, tax implications, and forgiveness rules… it can get overwhelming fast.
If you’re here, you’re probably wondering:
☁️ Where do I even start?
☁️ Am I in the best repayment plan?
☁️ Should I go for PSLF or refinance?
☁️ How can I avoid making a big (and expensive) mistake?
☁️ Is there a way to pay less and still make progress?
You’re not alone. And you’re in the right place.
We specialize in helping early-career physicians like you make smart, low-stress decisions about your loans.
We’ll walk you through everything step by step and create a plan that fits your life, career path, and goals.
Get Expert Help Without the Stress
For $299, you’ll get a 1-on-1 session with a student loan pro (hi, that’s me… Michael), plus a personalized repayment strategy that could save you thousands.
Here’s what we’ll cover:
☁️ Which repayment plan fits your income and goals
☁️ How to maximize forgiveness (and avoid resets or errors)
☁️ Whether PSLF, PAYE, IBR, SAVE, or refinancing makes sense for you
☁️ How your loan plan ties into your tax strategy
And you’ll walk away with a clear action plan you can actually follow.
👉 Ready to stop stressing and start saving?
Your Path to Student Loan Success in 5 Simple Steps
Step 1: Schedule a Student Loan Review
☁ Book your one-hour Student Loan Strategy Session.
Step 2: Welcome to the Team
☁ After booking, you’ll get a welcome email with a short checklist to complete before our session. Takes less than 10 minutes.
Step 3: Your Strategy Session
☁ During our one-hour virtual meeting, we’ll walk through your repayment options and get all your questions answered.
Step 4: Recap and Payment
☁ After the session, you’ll receive a written recap with clear action steps.
☁ You’ll also be prompted to make your payment.
Step 5: Ongoing Support
☁ Get continued email access to me for follow-ups.
☁ Need another check-in? You can schedule a 30-minute follow-up or a discounted full review for just $199.
Extra Perks When You Work With Us
If someone depends on your income, whether it’s a partner, family, or kids, you likely need life insurance to protect them.
We’ll set up level-term life insurance that’s easy to understand, affordable, and free from unnecessary complications.
☁️ Access to RightCapital
Use this optional tool to track your finances, set goals, monitor cash flow, and get custom tasks.
☁️ Ongoing Support
Have questions later? You’ve got extended email access.
☁️ Discounted Follow-Up Sessions
Your situation changed? Schedule another strategy session anytime for just $199.
☁️ Lower Planning Fee
In training? Get ongoing financial planning for $80/month for 12 months or until you graduate.
Frequently Asked Questions
What does the one-hour review cost?
$299 includes your strategy session, written action plan, and email support.
Who is this for?
Medical students, residents, fellows, attendings, and even non-physicians looking to optimize their student loans.
How do you help with student loans?
We simplify the process and build a plan tailored to your income, goals, and career path.
What repayment strategies do you use?
IDR plans (PAYE, SAVE, IBR), PSLF, refinancing, and tax coordination.
Why should I invest in a student loan review?
To avoid costly mistakes, lower your monthly payments, and make progress toward forgiveness or faster payoff.
What happens in the one-hour meeting?
We’ll review your situation, answer your questions, and walk through repayment options.
What do I get after the session?
You’ll get extended email support, access to our planning tool (RightCapital), and follow-up sessions for just $199. Still in training? Ongoing planning is available for $80/month for 12 months or until you graduate.
What’s the benefit of IBR/PAYE for high earners?
It can keep payments lower and increase forgiveness if you qualify.
Is PSLF right for me?
We’ll evaluate your career path, employer eligibility, and payment history to find out.
Meet Your Team
I help early-career physicians feel confident about money without jargon, overwhelm, or sales pitches.
I work alongside two highly enthusiastic (but not exactly qualified) team members:
🐶 Max — Pawsome Intern
🐶 Ryder — Chief Barketing Officer
Together, we’re here to make financial planning feel less intimidating, and maybe even a little fun.
Ready to Chat?
We're currently accepting new Ongoing Concierge Financial Planning clients!
Ongoing means we meet regularly and help with all parts of your financial life.
Not ready to chat?
Follow me on social for quick tips on loans, taxes, saving, and more.
☁ Virtually serving clients nationwide ☁