So during my general surgery residency, I'll tell you a little story.

Sally Mae kept calling me multiple times.

And they were calling me obviously because of my student loans.

And to make a long story short, I couldn't make my payments.

And when they would call me, this is usually in between cases.

This is, you know, obviously when I'm seeing patients and so forth. So, you know, I just really wanted to get off the phone with them because, one, it was a very painful experience to know that I had no idea. I had no control over my student loans, but also at the same time I had to work. You know, I was a resident at the time. So I would say, listen, what do I need to do to get off the phone with you?

And the only option that they gave me was something called forbearance. I didn't know what it meant. I didn't know what it was. But I knew that it meant that they would get off the phone with me and I can just move on with my day. I didn't understand quite at the time that when I went into forbearance,

that my interest would still be accruing, would still be building up. And, you know, I would just go throughout my day. Multiply this by six years. I thought I was handling things. I was

wrong. So it wasn't until six years later.

I'm married now to Dr. Renee.

We start to merge our finances.

I get the logins for all of our student loans.

And I realized, well, my student loans aren't the same

as when I graduated from med school.

There's now $100,000 more.

And that's when I started to understand

the implications of forbearance. That's when I started to

realize, oh, I made a big, big mistake. But there is a positive twist on the story is, you know,

once we found out how much student loans we had, once there was, you know, finding out that, you know,

basically for each of us, an additional $100,000 in student loans had accrued, we were still

able to pay that off in three years. So on today's episode, what we're going to cover is

what you don't know in student loans and how that cost us $100,000 each, how we fixed it,

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