Welcome to another Wednesday, where we have an incredibly important talk about something all Pre-PT's, SPT's and PT grads worry about: paying off physical therapy school debt. While we commonly think about having to sacrifice in order to achieve this, we have an awesome guest that not only achieved this himself, but continues to help educate others with specific advice for new grads and current students. Today we welcome Josh Madonick, DPT and creator of The $PT, a consulting service specifically designed for repayment plans for DPT's ( and designed by DPT's themselves). Josh starts by explaining his own journey, from meeting a student mentor that helped educate him, an incredible class cohort and support system, to even meeting his wife in PT school! After graduating together and moving to the Bay Area, Josh worked as an outpatient PT until he realized he wanted to start something of his own. Not only did Josh start his own cache-based practice, but also created his own financial educational program and book (Say Goodbye to PT Loans) after both him and his wife were able to refinance and pay off both their student debts. He shares important strategies, key steps, and common questions/answers that has helped not only pay it off completely, but also establish habits and long-lasting systems that help individuals towards what makes them truly happy and achieve what best suits their desired lifestyle.