Dr. Emily and her partner, both family doctors in a high cost of living area, paid off $400K+ in students loans in really only 4 years after deciding not to go for PSLF. Keys to their success? Refinancing to a lower rate and then budgeting together. By becoming more intentional in their spending and cost conscious in their travel they were able to pay off their loans sooner than they planned. You can still do this in a high cost of living area. Be intentional. You got this and we can help. If you still need to refinance your student loans to a lower rate visit https://www.whitecoatinvestor.com/student-loan-refinancing/ This episode was sponsored by Bob Bhayani, an independent provider of disability insurance planning solutions to the medical community in every state and a long-time white coat investor sponsor. If you need disability insurance coverage, contact Bob at drdisabilityquotes.com today by email info@drdisabilityquotes.com or by calling (973) 771-9100.