Math to practice on our own terms.
Compare your pay against federal data by state, setting, and experience. PT, OT, and SLP. No sign-up.
Compare your salary →Student loans, PSLF, and aggressive payoff, side by side.
Open the debt calculator →Compounding and long-term growth on a therapist salary.
Open the investment calculator →See how close you already are to work optional.
Open the autonomy calculator →Clear your debt and set the foundation: emergency fund, insurance, employer match, then your student loans. Goal: a net worth of zero.
Explore →Invest the gap between what you earn and spend, in the right accounts, so it compounds into options.
Explore →Turn that runway into choices: Coast FI, part-time, a sabbatical, or full independence. You decide how much you keep working.
Explore →
If you are married and pursuing PSLF, your tax filing status is the single biggest variable controlling your monthly payment. The wrong choice could cost you tens of thousands of dollars.
PSLF is a powerful way to build wealth while minimizing the total cost of your student loans. Pair it with a maxed 401(k) and a PT salary can buy you retirement before 50.
IBR can produce more wealth at year 20 than aggressive payoff. The cost is 20 years tethered to a federal plan and a six-figure tax bomb at the end. The only path that buys autonomy in single-digit years isn't in the federal system.
The fastest way to pay off student loans early: refinance to a lower rate, cut your three biggest expenses, and stack income through travel contracts or PRN work. Most rehab professionals can clear a $150,000 balance in 4–6 years.
Physical therapists, OTs, and SLPs typically graduate with $100,000–$180,000 in federal student debt and three realistic repayment options. The right strategy depends on where you work and how long you want to stay there.
We’re working harder, documenting faster, and seeing more patients than ever before—yet, when we look at our bank accounts, it feels like we’re falling further behind.