Story at-a-glance Federal student loans are nearly impossible to discharge—even bankruptcy usually doesn’t apply.Disability discharge is possible, but only under severe and permanent conditions with proof you can’t work in any job.The bar is high: You must show a long-term or terminal

Story at-a-glance Debt is still a major challenge for many physicians, but with the right plan and discipline, it’s possible to regain control quickly.Start by building a strict budget that prioritizes debt reduction and savings—your financial recovery depends on it.Cut non-essentials, pay

Story at-a-glance New physicians don’t have to choose between saving and paying off debt—a smart budget can help you do both..The key is a disciplined budget that prioritizes your goals, tracks spending, and adjusts monthly as needed.Start with a realistic savings and debt payoff target, like

Story at-a-glance Start with a strict budget—track spending, prioritize debt reduction, and cut non-essentials to free up cash.Commit to paying down debt by at least 5% per month, and avoid using credit cards for anything but true emergencies.Build savings alongside debt payments—aim for a