Are you:
- Overwhelmed with student loans?
- Confused by all the repayment plans that exist?
- Unsure if your strategy will save you the most money?
- Feeling anxious about how to handle your loans during your residency?
- Worried about doing everything right for the Public Service Loan Forgiveness Program?
If so, you're not alone!
Pharmacists today are now facing an average of over $170,000 in student loan debt and aren’t always provided with the best tools and resources before graduating. Salaries are not keeping pace and you have additional job market challenges that will directly impact your ability to manage your debt. This is the unfortunate reality that pharmacy graduates are now facing.
This book is your guide to help you:
- Analyze all of the payoff strategies available to you
- Confidently choose a plan that will save you the most money and align with your goals
- Optimize strategies to maximize the benefits of forgiveness programs
- Implement ways to accelerate your payoff and become debt-free faster
What's In the Book?
Chapter 1: Get Organized
Not exactly sure how much you owe and who you owe? This chapter is all about getting all your info together so you know what you're facing.
Chapter 2: The Key Payoff Strategies
This is a high level overview of all of the key strategies available and how to determine if you qualify.
Chapter 3: The Public Service Loan Forgiveness Program
This chapter details all the steps you need to take to make it through PSLF and pay the least amount required.
Chapter 4: Non-PSLF Forgiveness
This chapter outlines how to get forgiveness after 20-25 years and how to prepare for the tax implications.
Chapter 5: Non-forgiveness and Refinancing
Whether you are in the fast lane to paying off debt or not eligible for forgiveness programs, you will learn all the other options in this chapter.
Chapter 6: Choosing Your Strategy
All the considerations to help you choose which strategy saves you the most money and aligns with your goals.
Chapter 7: How to Manage Competing Financial Goals
Student loans are not likely your only priority. This chapter will help you figure out how aggressive to be with your loans based on your plan and other goals.
Chapter 8: How to Manage Student Loans as a Resident or Fellow
Dealing with loans during postgrad training has some unique considerations and this chapter gives some tips on what to do in your transition years.
Chapter 9: How to Handle Student Loans During a Job Loss or Financial Hardship
Unfortunately, life happens and your income could suddenly change. This chapter outlines your options for temporary relief.
Take Down Your Student Loans!
-Best Value-
Combination Therapy
$29.95
- Paperback book
- Student Loan Accelerator (PDF)
- Life Events Expert Interview (mp3)
Max Therapy
$599
- Paperback book
- Student Loan Accelerator
- Life Events Expert Interview
- 1-on-1 Custom Tailored Student Loan Plan with a YFP Certified Financial Planner™
Orders ship via USPS media mail and will be delivered in 2-10 days. Student Loan Accelerator and Life Events Expert Interview are emailed immediately upon purchase
Student Loan Accelerator
Are you looking to get rid of your student loans as fast as possible?
This PDF guide used in conjunction with the book has the powerful tips to put you in the fast lane to being debt free!
Life Events Expert Interview
Unfortunately, many life events can throw a wrench in your student loan plan. Beyond the emotional toll, there can be significant financial consequences and it’s important to be prepared. This 60 min expert interview with CERTIFIED FINANCIAL PLANNER™ and student loan expert Tim Baker answers these important questions:
- What issues should you consider when taking a new job?
- Can you buy a home with student loan debt?
- What happens to you or your spouses’s student loans if you die?
- Do you still have to make student loan payments if you become disabled?
- How does having children impact student loans?
- How are student loans handled during a divorce?
Bulk Ordering Options
Interested in a Custom Bulk Order?
Email info@yourfinancialpharmacist.com
Bonus Content
Refinance Comparison
Table
Organize and compare rates with the top refinance lenders and get up to $800 Cashback
State Tuition Reimbursement Guide
Find out if you're eligible for one of these state funded programs
COVID-19 Student Loan Considerations
See how the changes with the CARES Act affect your student loan strategy
What People Are Saying...
Brandon Dyson, PharmD, BCOP
Co-Founder of tl;dr Pharmacy
Blair Thielemier, PharmD
Founder of the Pharmapreneur Academy
About the Author
Tim is the Director of Getting Things Done at Your Financial Pharmacist and a clinical pharmacy specialist in primary care at the West Palm Beach VA Medical Center.
He is also the author of Seven Figure Pharmacist: How to Maximize Your Income, Eliminate Debt, and Create Debt and When Eating Right Isn’t Enough: The Top 5 Medications to Control Your Type 2 Diabetes.
Tim lives in Palm Beach Gardens, FL with his wife Andria.
About Your Financial Pharmacist
Your Financial Pharmacist (YFP) has a mission to help pharmacists achieve financial freedom. We do this by providing guidance and education through our weekly podcast, blog, and other resources. We also carry out our mission through our comprehensive financial planning services.