Your question: How should physicians balance student loan repayment with investing?

Answer:

Many physicians begin their careers with substantial student debt while also facing pressure to start investing and saving for retirement. The key is to balance debt reduction with long-term wealth accumulation.

We develop personalized cash flow strategies that prioritize high-interest loan repayment while allocating funds to tax-advantaged investment accounts. Depending on your income, loan type, and career stage, we may recommend income-driven repayment, refinancing, or Public Service Loan Forgiveness (PSLF) when appropriate. Our goal is to avoid opportunity costโ€”ensuring you arenโ€™t sacrificing future compounding potential for short-term debt elimination.

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