Student loan rules are changing again. In this episode of Doctors Eyes Only, Vestia CEO Lauren Oschman, CFP®, CDFA® talks with Vestia Financial Advisor Chris Robbins, CFP® about how the recent “One Big Beautiful Bill Act” impacts physicians with federal student loans.

Topics covered include:

• • • Public Service Loan Forgiveness (PSLF) remains available for physicians working at nonprofit hospitals and academic institutions.
    • The SAVE plan is being eliminated. RAP (Repayment Assistance Plan) is expected to take its place, while older plans like PAYE, REPAYE, and ICR will be phased out by July 2026.
    • IBR remains an option, with payments based on either 15 percent or 10 percent of discretionary income depending on when the loans originated. After 2026, IBR will no longer be available for new borrowers.
    • SAVE forbearance months do not count toward PSLF, unlike COVID forbearance. Chris explains how physicians can return to qualifying repayment plans.
    • The buyback program may allow borrowers to make up missed or disqualified payments after completing 120 months of qualifying employment, but its future is uncertain.
    • Best practices include submitting employer certification forms annually and using the Loan Simulator at studentaid.gov to review repayment options.
    • Refinancing through private lenders may make sense for some physicians, though federal protections and PSLF eligibility are lost once loans are moved out of the federal system.

If you are a physician with questions about student loan repayment, PSLF eligibility, or refinancing, connect with our team at www.vestiaadvisors.com/contact/.

#FinancialPlanningForPhysicians #StudentLoansForDoctors #PhysicianRetirementPlanning #WealthManagementForDoctors #PSLF #WomenPhysicians #PhysicianFinance

In this powerful episode of Doctors Eyes Only, Vestia CEO Lauren Oschman, joins guest host and Vestia President Brad Quick to sit down with orthopedic surgeon, women’s health advocate, and international ballroom dancer Dr. Adrienne Towsen.

Dr. Towsen courageously shares her journey from raising two daughters as a single mom during residency, to navigating the burnout and financial strain of a private equity takeover in orthopedic practice, and ultimately walking away after nearly two decades in the field. In response to these challenges, she co-founded The Working Mom, a platform supporting women in healthcare, and authored Navigating the Life Cycle of Working Moms in Healthcare to remind physician moms that they are not alone. She also reveals how ballroom dancing unexpectedly became her passion, offering balance, joy, and renewed purpose as she designed her next chapter.

This inspiring conversation is a testament to resilience and reinvention, and a powerful reminder to physicians that stepping away from an unsustainable path can open the door to true Wealth That Matters®.

🔗 Stay connected with Dr. Adrienne Towsen:

• LinkedIn: Adrienne Towsen, MD
• Instagram: @medical_working_moms
• The Working Mom Platform: theworkingmom.us
• Navigating The Lifecycle of Working Moms in Healthcare: Buy the book here!
  

#PhysicianBurnout #WomenInMedicine #WorkingMom #OrthopedicSurgeon #PrivateEquityMedicine #DoctorLife #PhysicianWellness #BallroomDancing #PhysicianMoms #WealthThatMatters

Feeling stretched too thin? In this episode of The Doctors’ Eyes Only podcast, Lauren Oschman CFP® CDFA® talks with Dr. Sasha Shillcutt, Founder and CEO of Brave Enough and author of Brave Boundaries, about how physicians can reclaim their time, energy, and joy.You’ll hear: • Why burnout often starts with unclear or nonexistent boundaries • How to reframe boundaries as a way to “keep the good in,” not push people out • Practical strategies to set and maintain boundaries without guilt, at work and at home • Communication tools to make boundaries clear to colleagues, patients, and family • How boundaries are essential to achieving your Wealth That Matters® in time, energy, and relationshipsWhether you’re a physician feeling the early warning signs of burnout, or you’re already overcommitted and ready for change, this conversation will equip you with actionable tools to protect what matters most, your well-being.⸻Resources from Dr. Sasha Shillcutt: • Brave Boundaries – Learn the language, strategies, and mindset to set healthy boundaries without guilt → Buy the book • Brave Enough – Courses, coaching, community, and resources for women physicians → Visit becomebraveenough.com • Brave Enough Women’s CME Conference – September 25–28, 2025 | Scottsdale, AZ → Register here⸻About the Host:Lauren Oschman CFP® CDFA® is CEO of Vestia Personal Wealth Advisors, a financial firm specializing in helping the highest-caliber physicians achieve Wealth That Matters®.

#PhysicianBoundaries #WomenPhysicians #PhysicianWellbeing #DoctorBurnout #WorkLifeBalance #PhysicianLife #WealthThatMatters #VestiaAdvisors #BraveBoundaries #BraveEnough