You'll want a pen and paper for this one! On this episode of GRADitude, we are joined by Rob Bertman, senior student loan advisor of Student Loan Planner. As a certified financial analyst and planner, Rob has met with and consulted all types of graduate students and their debts. Not only has he helped them pay off their student loans, but also build lasting financial futures for their unique lives, careers, and values. He shares with us all kinds of financial expertise, from the difference between refinancing vs. consolidating student loans (and when to use each one) to the importance of setting financial foundations no matter where you are in the journey towards physical therapy. Despite the intimidation of student loan and post-graduate debt, Rob highlights the silver linings of navigating financial stress and creating a personalized student loan plan around your career goals. He also shares his #1 rule to improve financial responsibility, and the best tips to help increase savings. Take a seat and get ready to take some notes!