Physician student loans feel overwhelming not because doctors lack intelligence or discipline, but because the rules have been shifting under their feet for years. In this episode, James Nutter breaks down the only three student loan repayment paths that actually matter—PSLF, obliteration, or a balanced strategy—and explains how to choose the path that aligns with your life, income, and values. With the recent end of the SAVE Plan and federal repayment uncertainty rising again, physicians need clarity now more than ever. This episode delivers it.
For physicians, student loans aren’t just math—they’re emotional. They shape decisions about jobs, families, burnout, and freedom.
In this masterclass episode, James Nutter pulls back the curtain on the confusion surrounding physician student debt and explains why so many doctors feel stuck, anxious, or ashamed about a system they were never equipped to navigate.
James outlines the three student loan repayment categories every physician must choose between:
✔ PSLF with a safety-fund contingency
✔ Aggressive full payoff (obliteration)
✔ Balanced repayment while building wealth
He explains what type of physician best fits each path, why math alone shouldn’t drive the decision, how to avoid catastrophic repayment mistakes, and how to build a plan that supports your life—not consumes it.
From news about the SAVE Plan shutdown, to backdating PSLF years from residency and fellowship, to refinancing strategy, tax filing decisions, income planning, and the psychological impact of debt, this episode reframes student loans as solvable—not suffocating.
The conversation closes with a powerful mindset shift: true success isn’t about the lowest interest rate or fastest payoff—it’s choosing the path that lets you sleep at night and live well now.
Physicians deserve clarity. This episode delivers a framework that reduces fear, builds confidence, and moves doctors forward.
Private practice isn’t dying—it’s evolving. Physicians don’t need to choose between burnout and selling out. With the right structure, systems, and support, autonomy in medicine is still possible.
This isn’t just another finance podcast—it’s a movement. We’re challenging the status quo, cutting through the noise, and giving physicians real strategies to take control of their money and their future.
Because true wealth isn’t just about numbers—it’s about freedom.
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James Nutter is on a mission to help physicians reclaim their financial power. With a deep understanding of the unique challenges doctors face, he provides real-world strategies that cut through the noise and lead to lasting financial freedom.
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The opinions expressed in this podcast are for informational and educational purposes only and do not constitute financial, legal, or tax advice. Any financial decisions should be made in the context of your unique circumstances and in partnership with a trusted financial advisor who understands your personal plan.