In this episode of The Breaking Student Debt Podcast, Will interviews Physical Therapist and Home Health Contracting business coach, Bert De Vera, PT.

Bert shares his story of moving from the Philippines after passing his Board Exam and starting life in America as PT. After working for someone else for 6 years, he hit a wall and started to wonder if the American dream he came for meant working endless hours for someone else and not having time to spend with his family.

That wondering led him to researching different ways to leverage his knowledge and increase his financial stability. He learned about Home Heath Contracting (the details of which he explains in this episode), started his own business, and has since been able to significantly increase his income and help other rehab professionals do the same, providing them with more time with their families and improving their financial lives.

If you're interested in learning more about Bert or seeing what his Home Health Contracting business program is about, you can connect with Bert at www.rehabpreneur.com / www.bertpt.com /www.homehealthcontract.com or find him on Facebook under Bert De Vera.

Hope you enjoy this one! 

In this episode, Will and Aaron sit down and discuss the idea of delayed gratification and being smart with needs vs. wants. Is it worth the fancy object for temporary satisfaction? The guys break down their thoughts on this in the latest episode of BSD. 
​

In this episode I sat down with Josh Reif, a former medical student who graduated with his MD, but decided to make a shift to the online world before ever accepting a residency.

Why bring on Josh? Well, I constantly hear from listeners who are unsure if the field they're in (physical therapy, medicine, OT, nursing, etc.) is really the right fit for them or they didn't think it would be like it turned out to be. I thought it would be great to bring on someone who has gone through that exact feeling and even in the midst of significant student loans, had the courage to follow his gut and create the life he wanted. Moral of the story: never settle for anything in life because you think you'd disappoint what others want for you.

If you're interested in Josh and want to join his Facebook group, Digital Skills for Entrepreneurs, check it out here: 
https://www.facebook.com/groups/digitalskillsforentrepreneurs/

Or check him out at his website:
https://www.joshreif.net/home-2

As always guys, keep on climbing!

This episode features second-time guest on the podcast, Joe Reinke, the CEO of FitBUX. Joe sits down with me on this episode and gives us the 30,000 foot view of the various federal student loan repayment plans one can choose when the time comes to start making payments.

Joe covers the basics of:
1. The 10 year standard repayment plan
2. The 25 year extended repayment plan
3. The 25 year graduated plan
4. The income-based repayment plans
Check out FitBUX at www.fitbux.com to sign up for a free phone call!
Joe also breaks down some vocabulary including fixed vs. variable interest.

Hope this helps guys!

​Meet Erin and Kevin Jones who paid off $107,000 in debt in just 33 months.

Follow their journey at

www.debtfreehappens.com

It's been a few weeks and I wanted to share what it's been like staring at my first student loan bill, which was.....

$1,099!

......

 :(  

I thought I'd break down for you guys how and why I switched my repayment plan from a 10 year standard plan to a 25 year extended fixed plan. Shout outs to the Debt Free Guys and Joe Reinke of Fitbux in this episode!

In this week's episode I sat down with Jack Zoeller, former Army Ranger and current CEO of Purefy, a company dedicated to providing refinancing options for lenders. We start out with some basic background information about refinancing and what it actually means to refinance a student loan. We then get into some of the nitty gritty details about who could benefit from refinancing their student loans, when is the best time to refinance, and how exactly does one go about making it happen.

Learn more about Purefy by checking out their website:  https://www.purefy.com/home

Or follow them on Facebook here:  https://www.facebook.com/PurefyLoans/​

Or Twitter here:   https://twitter.com/Purefy

Hope you enjoy this one! Keep climbing!

- Will

In this episode I dive into the details of how Alex and Clayton (both newly licensed physical therapists) saved thousands of dollars on tuition through taking advantage of credit card rewards. Pay close attention in this episode as Alex and Clayton break down just who exactly can benefit from this (hint: if you're the type to not keep track of your expenses, this is not a good option). Check out Alex's work out at www.habithacked.com as well as be on the lookout in the coming weeks for Alex and Clayton's new website: www.gotherefree.com

Be on the lookout for Alex and Clayton's guide at www.gotherefree.com/will

Enjoy this episode and please leave me a review on iTunes!