In Episode 70 of Doctor’s Wealth and Wellness, host Norm Wright, a Certified Financial Planner, tackles the pervasive issue of physician student loan debt—averaging $250,000 at graduation, with 70% of doctors still carrying balances mid-career per the 2025 Medscape report—outlining three actionable strategies to achieve freedom without sacrificing lifestyle: mastering Public Service Loan Forgiveness (PSLF) through annual certifications and the SAVE plan for up to $220,000 in forgiveness, as exemplified by Dr. James; refinancing privately at rates under 4% to save $54,000 over 10 years, like Dr. Lisa’s $92,000 interest reduction (but not if pursuing PSLF); and deploying a “Debt Snowball Plus” method combining smallest-balance motivation with aggressive extra payments from bonuses and side gigs, enabling Dr. Raj to erase $180,000 in four years. Wright emphasizes debt’s mental toll, urges listeners to pick one strategy this week—submitting a PSLF form, getting refinance quotes, or automating snowball payments—and invites progress updates or consultations at [email protected] to redirect funds toward wealth-building goals like HSAs and real estate. Examples in this episode are hypothetical and not representative of a specific individual.