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IBR and RAP are both federal student loan repayment plans. The quick answer is that for most physicians with a ... Read more
Here's the info a physician needs to manage student loan debt, including private and federal loans, PSLF, RAP, IBR, and how to pay them off. The post Student Loans 101: Ultimate Guide to Student Loans...
I volunteer through a local literacy agency teaching English to immigrants, and I love it. I really like the personal relationships I develop, and the obvious good I'm doing, and it's interesting lear...
The world of paying for medical school is now totally different. Here's how to think about closing the gap between federal and private loans. The post Closing the Gap with Private Student Loans for Fi...
SAVE is going away. The RAP plan is taking its place. If you have student loan concerns, here's what you need to know before July 1. The post RAP Explained: Now That Save Is Dead, Here’s What Physicia...
Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which pension option is best for their early retirement ...
This tax-advantage savings account is perfect for students.
Neal K. Shah, the founder of CareYaya, a company that links students in the healthcare field with seniors needing assistance, has some strong opinions about elder care in the United States. The word Y...
The student loan landscape has changed, and medical students will need to take out more private student loans. Here's how WCI can help. The post Need Private Student Loans? We Can Help! appeared first...
We're 73, with $2.1 million and $4k a month in Social Security. My husband says we can't afford to help our grandson. Who's right?
With the federal student loan landscape rapidly changing, many future doctors are thinking about taking the three-year medical school route. The post Nearly 60% of Future Physicians Prefer a 3-Year MD...
We're 75 with $3.2 million. Our son is pressuring us to help pay for our granddaughter's college so she can avoid student loans. What should we do?
I know some retirees end up spending a fair amount of well-earned money at the start of retirement, living Big Adventure dreams. A month in Greece and Turkey. Buying an RV and spending a year or two o...
A 401(k) student loan match allows employers to make retirement contributions based on your qualified student loan payments instead of requiring direct 401(k) contributions. This SECURE 2.0 provision ...
I graduated from dental school with $300,000 in student loans. Nearly two decades later, I'm financially independent. Well, sort of. The post Financially Independent but Trapped by My Assets appeared ...
I can't stand AI-assisted writing anymore. It's all over Substack. It's in my LinkedIn replies. It's everywhere. Like a disease slowly infecting our literary consciousness. I even see it from people w...
Today’s reader case touches on an issue that’s near and dear to my heart, so without further ado, let’s dive in! Hi Firecracker & Wanderer! I’ve been an avid reader of your...
Sometimes fourth-year medical students ask me, "Should I rank the program that offers a retirement match higher?” Here's what I tell them. The post Is a Residency Retirement Match Really That Va...
As of 2025, among new medical school graduates who carry debt, the typical student debt burden is around $216,659. And ... Read more...
The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about myths about annuities, Boomers' retirement reality check and OBBB changes to federal student loans....
After the passage of the One Big Beautiful Bill Act (OBBBA), here is the state of student loans and how to think about refinancing them. The post Considering Refinancing Student Loans Now? What You Ne...
Best Credit Cards for College Students of 2025...
Schools today look nothing like they did a few decades ago. The tools, habits, and gear that once defined the school experience have quietly disappeared as technology reshaped how students learn and h...
Discussing and answering reader questions about the One Big Beautiful Bill Act, how it will affect current and future student loans, and whether it's still worth it to go to medical school. The post I...
The passage of the One Big Beautiful Bill Act will affect plenty of doctors when it comes to income, taxes, healthcare, and student loans. The post How the ‘One Big Beautiful Bill’ Act Wil...
Almost one in three (31%) Americans with student loans have noticed an increase in their monthly payments in the last six months, according to new research from Empower....
It's the club no one wants to join. But if you are over 50 and still paying student loans, there are ways to tackle both debt and retirement savings....
The future of PSLF is currently unclear, so if you're thinking about trying to get your student loans forgiven, here are some alternatives. The post Beyond PSLF: The Top Student Loan Repayment Alterna...
Collaboration with Wayne-Sanderson Farms creates Group of Plans retirement program tailored…...
Enrollment in colleges and other types of postsecondary education has bounced back to levels last seen in 2019 led by surging interest in certificate programs....
A four-year degree used to sound like the only path to a good job. What they didn’t mention was the student debt with no guarantees, the wasted time, and the jobs that barely cover rent. Turns o...
Financial literacy is changing as students need solid financial knowledge and savvy online skills to make informed decisions in today's fast-paced digital world....
We all know that college has become increasingly expensive. But is it still worth it? This breakdown isn’t about bashing college. It’s a straight look at what college has become and what i...
Online Jobs for College Students: 15 Flexible Ways to Make Money from Anywhere...
College students aren't the only ones getting an education. Retirement communities on college and university campuses are growing in popularity....
Whew! Another crazy week in the USA is over; only 197 left to go. Student visa revoked. ICE tracking down and detaining international students. Legal resident deported. Inflation up. Social ... Read m...
Students are taking financial education into their own hands, and there is a growing ecosystem of school-based, nonprofit, and digital programs to meet demand....
How Can Students Learn to Invest & Manage Finances Now?...
How Can Students Learn to Invest & Manage Their Finances for Long-Term Stability?...
Americans ranked medical costs as among their top three sources of debt, pushing out student…...
Life used to be a lot more affordable. Our grandparents bought homes, raised families, and retired without drowning in debt. Millennials? They’re stuck with sky-high rent, student loans, and a c...
Do you envision strolling about Europe, a book in one hand, a glass of wine in the other? You could make that happen by studying there, even if you're older....
Now that the second Trump administration has begun, you might have plenty of questions if you have student loans. Here are some answers. The post Student Loan Repayment and PSLF in the Trump Era appea...
With dorm room costs rising faster than tuition, this is an option for families that can scrape up a down payment, find a manageable mortgage and maintain the property....
Answering questions about the Mega Backdoor Roth IRA, the right kind of financial advisor for you, side gigs and increasing your income, and whether the Trump administration is going to get rid of PSL...
Health care costs. Student loans. Domestic abuse. Are retirement plans addressing too many problems at once?...
In 2013, Students for Fair Admissions (SFFA) filed a lawsuit against Harvard University in the U.S. District Court in Boston. They alleged that Harvard's undergraduate admission practices violated Tit...
Answering reader questions about whether you should pay off your mortgage, if nursing home insurance is a good idea, and when to let your disability policy lapse. Plus, we talk about the state of gove...
Learn how college students can develop smart money habits like budgeting, saving, using credit, and spending consciously for a successful financial future....
The match amount is calculated as if the employee contributed their loan amount to the plan even if they did not make any elective contributions....