Getting to Zero

The workshop addresses basic loan mechanics and how debt fits into the context of an overall financial plan


Getting to Zero

Student Loans & Beyond



Most new physicians have serious concerns about their education debt. As of 2022, doctors who attended public medical schools graduated with debts averaging $194,600, while those who attended private medical schools owed $222,900. Some owe much more than that, and a fortunate few have smaller or even no student loan debt.

Participants will get an overview of the complexities of public and private education loans, loan forgiveness, and income-driven repayment programs.

  • Student loan balances in the context of lifetime earnings.
  • Public vs. private loans.
  • Types of federal loans. Qualifying and non-qualifying loans.
  • How Income-Driven Repayment (IDR) can reduce your monthly costs. Choosing the right IDR program.
  • Public Service Loan Forgiveness (PSLF). Who qualifies and how?
  • Understanding the currency of PSLF.
  • Options for consolidation and/or refinance. Why or why not? Online resources for refinance.
  • Beyond student loans: Using MATRIXTM principles to optimize savings, debt pay down, and investment cash flows.
  • Owning your financial future: the potential benefits of a staged-in lifestyle.

Whether it's paying down debt or adding to savings, residents will learn that they should run the numbers before allocating their precious resources.

This workshop runs about 45 minutes, with an unlimited Q&A session to follow.

We host our workshops in teaching hospitals and in our Radnor, PA office throughout the autumn and spring.

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Frequently asked questions


Residents and fellows who:

  • are nearing the end of their residencies/fellowships
  • want to know more about debt-repayment strategies
  • are interested in learning how to optimally sequence financial decisions
  • are curious about how lifestyle spending will affect your financial outcomes

Many of our workshops are scheduled at local teaching hospitals, but we also welcome smaller groups at our Radnor office. We also offer online workshops.

The Getting to Zero workshop is presented by Jim Hemphill, CFP®, CIMA®, CPWA®.

If you are unable to attend our workshop at a hospital or at our office, please take advantage of a free consultation with TGS Financial Advisors. Simply note your interest in the workshop in the message field of the “Contact Us” form—we’re happy to discuss workshop content one-on-one.

Due to their education debt, emerging and new physicians often have a negative net worth. Because of this, they are not considered ideal customers by many financial planning firms. As a result, even though they face more important financial decisions in a condensed period of time than other professionals do, they tend to be underserved.

We offer our workshops free of charge because we feel strongly that the financial messages we share can make a significant difference in the quality of life for physicians and their families.

Do we also hope that you like our message well enough that you will become a client? Of course. But there are absolutely no strings attached.