Debt is a reality that most medical professionals face, with 78% of graduating medical students carrying substantial loans. It's not the easiest topic to discuss, but it's a critical one. For most, debt is a significant piece of the financial puzzle—and knowing how to manage it effectively can shape your future.

In this episode, Jenny Twomey—the Community Communications Lead at Earnest—joins us to break down loan repayment and refinancing. We'll explore the pros and cons of refinancing, how to evaluate your loan options, and the key factors to consider when making these decisions. Whether you're just starting out or looking to take control of your financial future, this conversation is packed with insights you can use right away.

Looking for help with Disability Insurance, Physician Banking, Student Loan Refinancing, Physician Mortgages, Contract Reviews, and more? Check out our "Best of the Best" sponsors page to find a list of the professionals Chad & Tyler team up with for their clients.

You will want to hear this episode if you are interested in...

• Navigating repaying private student loans [2:14]
• What is debt? How does it work? [8:09]
• Who shouldn't consider refinancing? [11:56]
• Who should consider refinancing? [17:45]
• Learn more about refinancing options with Earnest [24:51]

The best of the best list is a paid sponsorship, but these are professionals/companies that Tyler and Chad collaborate with within their own practices or have been vetted to earn a spot on this list. By supporting our sponsors, it allows Chad & Tyler to dedicate more time to you and the Physician Cents community. If you ever have a question (or not a great experience, which we don't expect!) about a sponsor, please let us know. We call it the "best of the best" for a reason, and we will maintain that standard for our listeners & viewers.

Resources & People Mentioned

• Earnest.com

Connect with Jenny Twomey

• Connect on LinkedIn

Connect With Physician Cents

• WealthKeel LLC
• Olson Consulting LLC
• Tyler Olson on Twitter
• Chad Chubb, CFP®, CSLP® on Twitter

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Audio Production and Show Notes by - PODCAST FAST TRACK