All the Right Plastics in All the Right Places.

All the Right Plastics in All the Right Places.

  I love credit cards. They have helped me pay for medical school expenses/tuition on 0% APR, reduced my overall med school debt by 60k in interest, given me lots of cash back & rewards, allowed me to channel my cash flow into my retirement and Mini’s

The Day I Started with Nothing…

The Day I Started with Nothing…

I will always remember how dreadful it seemed when I learned that my cost of attendance for 2010-2011 (first year of medical school) was about 90k… I’ve never made 90k a year prior to starting medical school (in fact, I still

Revised Pay As You Earn (REPAYE) or Refinance?

Revised Pay As You Earn (REPAYE) or Refinance?

This is an in-depth discussion about whether to go for Revised Paye As You Earn (REPAYE) or refinance your student loans with private banks like DRB or LinkCapital. Reader wrote: “My current thought is if someone wants to stay and

PSLF – Why REPAYE May NOT be the Best Plan.

PSLF – Why REPAYE May NOT be the Best Plan.

      [This is a guest post by Bo Liu aka Future Proof M.D., who runs http://futureproofmd.com/ He is a colleague in the field of radiology and a comrade in the mission of promoting financial literacy and empowerment among physicians.

RePaye vs. Paye vs. IBR vs. Refinance

RePaye vs. Paye vs. IBR vs. Refinance

      Dear MS4 around the world: Congratulations for coming this far! This is your match day/ early medical school graduation present from DWM. This chart will serve you throughout your residency & fellowship. I will continue to update this chart

Refinance Your Student Loans to as Low as 1.95%

    Recently, a friend of mine from Touro University- CA who’s now a practicing pharmacist refinanced her student loans with First Republic Bank (FRB) to a 15 year fixed 3.5% interest rate loan (she refinanced before the feds adjusted

Lowest Interest Rate in the Student Loan Refinancing Market!

        A few weeks ago, I learned of the best interest rates in the student loan refinancing market, from First Republic Bank (FRB). Reached out to them, here’s the scoop. More detailed post to come.   Instead of the 6.8% interest

YOUR “Personalized” Student Loan Management Strategy

      I have read and learned extensively on the topic of student loans, especially for someone who has wiped off all her educational debt as a PGY1. After learning all the factoids and nuances, loops and hoops, the

DiscoverIt Lent Me $3600 on NEGATIVE 31% interest for 15 months

shop with   and get cash back What is the highest interest rate you have been charged for borrowing money? For some of us, credit card companies might have caught us with 15-30% interest at one point in our lives (hopefully one got

Best of Both Worlds: More Cash Now & Lower Costs

I have been hearing from many of my co-residents that they are barely making ends meet each month, paying for rent or mortgage, student loan, food, childcare costs, etc. Wouldn’t it be nice if somehow we can free up some cash either