If you’re applying to PA school (or starting soon), this episode can save you years of stress and a lot of money.

Kristin and Kaitlin, together with Savanna Perry of The PA Platform, break down the biggest student loan changes impacting future PAs, including what’s happening with SAVE, what the new RAP plan means, and why your program cost + debt-to-income ratio matters more than most people realize.

Inside, you’ll hear:

• The 4 paths for student loan repayment (standard, accelerated, PSLF, taxable forgiveness)
• Why debt-to-income ratio should shape the school you choose
• What it means that SAVE is going away and RAP becomes the main IDR option
• How PSLF eligibility actually works (and how to look up employers)
• The new borrowing caps and why PA “professional degree” status matters
• Private student loan risks (co-signers, discharge rules, interest rates) and how to think about it smartly

Links & Resources:

Book a call with the Millionaires in Medicine Team to learn about personalized coaching, where we map your investing + student loan + income strategy into one cohesive plan.

PSLF Employer Search Tool (Federal Student Aid)

Marit salary data (PA/NP compensation research)

Guest / Speaker Info

Kaitlin Hile — clinical pharmacy specialist with specialty training in federal student loan strategy.

Savanna Perry, PA-C — Dermatology PA and the founder of The PA Platform

Disclaimer

The Millionaires in Medicine Show is for educational and informational purposes only. The content shared is not intended as medical, legal, financial, or investment advice and should not be relied upon as such.

If you’re a PA, NP, PharmD, or physician and you’re not investing yet (or your “investing” is just a small 401(k) percentage), this episode is the wake-up call.

Kristin breaks down the real math behind delayed investing and why medical professionals are uniquely at risk of waiting. Not because you’re doing anything “wrong,” but because time is the part of investing you can’t get back.

Inside, you’ll hear:

• The opportunity cost most clinicians never calculate (and why it’s so expensive)
• A simple example showing how a 10-year delay can cost you about $1,000,000
• Why “I’ll start after the loans / the house / the wedding / the baby” creates a future problem
• The mindset trap medicine creates after years of delayed earning
• What to focus on if you want work to be optional earlier than your 60s
• Want help building your money systems (and factoring in debt)?

Want a personalized plan that supports your career and your money goals?

Book a call with the Millionaires in Medicine Team to learn about our personalized coaching program.

Grab Kristin’s free guide here: https://www.millionairesinmedicine.com/investfinancialfreedom

A “saturated market” doesn’t mean you have to settle. And randomly applying on job boards usually isn’t the fastest path to a great offer.

In Episode 4, Kristin sits down with Brent Bargen from MyDermRecruiter to talk job search strategy, contract negotiation, and how clinicians can find better-fit roles (with better terms) in 2026.

Inside, you’ll hear

• What the 2026 hiring market looks like and why demand is still strong for clinicians
• How recruiters see jobs before they hit public job boards
• The “non-negotiables” list to make before you apply anywhere
• The compensation models that confuse clinicians most (and what to ask so you don’t get burned)
• Non-compete red flags, including the language that quietly expands the radius
• When it’s worth paying for contract review and what pricing typically looks like
• A smarter way to use LinkedIn so your network works for you

Want a personalized plan that supports your career and your money goals?

Book a call with the Millionaires in Medicine Team to learn about our personalized coaching program.

Guest Bio

Brent Bargen has been a driving force behind myDermRecruiter’s growth and success since 2021. With a Bachelor of Science in Business Administration, focused on Finance, from the University of Missouri-Columbia, and over a decade of experience in business and management, Brent brings a unique blend of strategic insight and financial expertise. At myDermRecruiter, he focuses on improving processes, increasing efficiency, and ensuring both clients and dermatology professionals achieve their goals. Brent is passionate about helping Dermatology PAs and NPs navigate compensation and career negotiations with confidence, empowering them to make informed decisions that advance their careers.

Connect with Brent:

https://mydermrecruiter.com

https://www.linkedin.com/company/mydermrecruiter-mymdrecruiter/?viewAsMember=true

https://www.facebook.com/myDermRecruiter1/

https://www.instagram.com/mydermrecruiter/

https://www.tiktok.com/@mydermrecruiter

https://x.com/myDermJobs