Bert De Vera

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 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 <a href="https://www.rehabpreneur.com/" rel="nofollow" target="_blank">www.rehabpreneur.com</a> / <a href="https://bertpt.mykajabi.com/" rel="nofollow" target="_blank">www.bertpt.com</a> /<a href="https://bertpt.mykajabi.com/p/Intro-To-HomeHealth-Contract-Business" rel="nofollow" target="_blank">www.homehealthcontract.com</a> or find him on Facebook under Bert De Vera. Hope you enjoy this one!

How To Grow Your Income With Home Health Contracting With Bert De Vera, PT

Natalie Nelson

In this episode, we sit down with Dr. Natalie Nelson, Au.D., an new grad Audiologist who has reduced her debt by over $55,000 since finishing her graduate program. She was actually first a listener of the BSD Podcast and reached out to us on LinkedIn sharing her personal wins she has learned from listening to the show. We chat about her personal strategies for reducing her debt (and doing it FAST), the current state of student loan debt, and her new project, www.doabledebt.com

In this episode, we sit down with Dr. Natalie Nelson, Au.D., an new grad Audiologist who has reduced her debt by over $55,000 since finishing her graduate program. She was actually first a listener of the BSD Podcast and reached out to us on LinkedIn sharing her personal wins she has learned from listening to the show. We chat about her personal strategies for reducing her debt (and doing it FAST), the current state of student loan debt, and her new project, <a href="https://www.doabledebt.com/" rel="nofollow" target="_blank">www.doabledebt.com</a>

Committing to Reducing Debt Fast with Dr. Natalie Nelson

Aaron Abodeely

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, 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.

Delayed Gratification with Aaron Abodeely

Nick Skye

In this episode, Aaron and Will sit down with Nick Skye, the Co-Founder of ChangEd, an app that rounds up your digital transactions to the next dollar and puts that into an account to use to pay towards your student loan debt! Imagine a digital piggy bank for all your loose change! Nick joins us to break down how ChangEd is helping students across the country put massive dents into their student loan debt. If you want to learn more about ChangEd, check them out at their website: https://www.gochanged.com/

In this episode, Aaron and Will sit down with Nick Skye, the Co-Founder of ChangEd, an app that rounds up your digital transactions to the next dollar and puts that into an account to use to pay towards your student loan debt! Imagine a digital piggy bank for all your loose change! Nick joins us to break down how ChangEd is helping students across the country put massive dents into their student loan debt. If you want to learn more about ChangEd, check them out at their website: <a href="https://www.gochanged.com/" rel="nofollow" target="_blank">https://www.gochanged.com/</a>

Fighting Student Debt One Transaction At A Time with Nick Skye

In this episode, Will and Aaron talk about their upcoming transitions from secure and financially stable jobs to pursue new entrepreneurial endeavors and the emotions arising about their money/debt situations.

In this episode, Will and Aaron talk about their upcoming transitions from secure and financially stable jobs to pursue new entrepreneurial endeavors and the emotions arising about their money/debt situations.

Harnessing Money Driven Emotions

In this episode, I sit down with my best friend, Aaron Abodeely, who shares his story of tackling $19,000 credit card debt down to $0. We dive a lot into this episode, including Aaron's reasons for confronting his rising debt, how he assessed his situation, and how created a game plan to go from in the red to in the black. Hope you enjoy this one and as always, if you find it helpful, please share this with a friend who could get something out of it!

In this episode, I sit down with my best friend, Aaron Abodeely, who shares his story of tackling $19,000 credit card debt down to $0. We dive a lot into this episode, including Aaron's reasons for confronting his rising debt, how he assessed his situation, and how created a game plan to go from in the red to in the black. Hope you enjoy this one and as always, if you find it helpful, please share this with a friend who could get something out of it!

Facing Credit Card Debt Head On with Aaron Abodeely

Josh Reif

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!

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:  <a href="https://www.facebook.com/groups/digitalskillsforentrepreneurs/" rel="nofollow" target="_blank">https://www.facebook.com/groups/digitalskillsforentrepreneurs/</a> Or check him out at his website: <a href="https://www.joshreif.net/home-2" rel="nofollow" target="_blank">https://www.joshreif.net/home-2</a> As always guys, keep on climbing!

From Med School To Online Entrepreneur with Josh Reif

Joe Reinke

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!

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 <a href="http://www.fitbux.com" rel="nofollow" target="_blank">www.fitbux.com</a> to sign up for a free phone call! Joe also breaks down some vocabulary including fixed vs. variable interest. Hope this helps guys!

Federal Student Loan Repayment Plans with Joe Reinke

Kevin Jones

In this episode I sat down with Erin and Kevin Jones, a couple based out of Arizona, that got out of $107,000 in debt in 33 months. They run the successful blog www.debtfreehappens.com where they share their story from deep in debt to financial freedom. As a quick note, over $70,000 of their debt was rooted in student loan debt. Erin and Kevin are one of the kindest couples you will ever meet and in this episode we dive into:    Kevin's mindset on money, saving, &amp; spending before he met Erin Erin's mindset on money, saving, &amp; spending before she met Kevin How Erin and Kevin met and how they each shaped the other's mindset on money, saving, &amp; spending The breakdown of their combined debts Erin and Kevin's individual stories on how they approached their personal student loan debt The resources that shaped their mindset to commit to getting out of debt Erin and Kevin's advice for anyone else with student loan debt Where you can keep up with their journey and learn more about how Erin and Kevin became debt free 

In this episode I sat down with Erin and Kevin Jones, a couple based out of Arizona, that got out of $107,000 in debt in 33 months. They run the successful blog <a href="http://www.debtfreehappens.com" rel="nofollow" target="_blank">www.debtfreehappens.com</a> where they share their story from deep in debt to financial freedom. As a quick note, over $70,000 of their debt was rooted in student loan debt. Erin and Kevin are one of the kindest couples you will ever meet and in this episode we dive into: <ul> <li>Kevin's mindset on money, saving, &amp; spending before he met Erin</li> <li>Erin's mindset on money, saving, &amp; spending before she met Kevin</li> <li>How Erin and Kevin met and how they each shaped the other's mindset on money, saving, &amp; spending</li> <li>The breakdown of their combined debts</li> <li>Erin and Kevin's individual stories on how they approached their personal student loan debt</li> <li>The resources that shaped their mindset to commit to getting out of debt</li> <li>Erin and Kevin's advice for anyone else with student loan debt</li> <li>Where you can keep up with their journey and learn more about how Erin and Kevin became debt free</li> </ul>

$107k in Debt Gone in 33 Months with Erin & Kevin Jones of 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. Very cool guests coming down the pipeline!

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. Very cool guests coming down the pipeline!

The Dreaded First Loan Payment and Update

One man determined to break free from $155K in student loans through learning from personal finance and money management experts. Why document this process? I'm terrible with money and I figure that I'm not alone. I hope this journey helps those in the hole climb their way out. And I hope we can do it together.

Jack Zoeller

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. Hope you enjoy this one! Keep climbing! - Will

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. Hope you enjoy this one! Keep climbing! - Will

Understanding Refinancing Your Loans with Jack Zoeller, CEO of Purefy

Alex Engar

Clayton Powers

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

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 <a href="http://www.habithacked.com" rel="nofollow" target="_blank">www.habithacked.com</a> as well as be on the lookout in the coming weeks for Alex and Clayton's new website: <a href="http://www.gotherefree.com" rel="nofollow" target="_blank">www.gotherefree.com</a> Enjoy this episode and please leave me a review on iTunes!

Understanding Credit Card Rewards with Alex Engar and Clayton Powers

Alan Collinge

in this episode I sat down with Alan Collinge of Student Loan Justice. Alan has spent over a decade working on understanding and providing solutions for student loan debt. He has built a massive following and has been featured on every major news network to talk about student loan debt. Check out his work at:   studentloanjustice.org   If you enjoy this episode, please consider leaving me a review on iTunes!

in this episode I sat down with Alan Collinge of Student Loan Justice. Alan has spent over a decade working on understanding and providing solutions for student loan debt. He has built a massive following and has been featured on every major news network to talk about student loan debt. Check out his work at: <a href="studentloanjustice.org" rel="nofollow" target="_blank">studentloanjustice.org</a> If you enjoy this episode, please consider leaving me a review on iTunes!

The State of Student Loan Debt with Alan Collinge

Jocelyn Paonita

My guest on this episode, Jocelyn Paonita, graduated from college debt free after earning over $125,000 in scholarship money both during AND while in college. She has since gone on to create her own course, The Scholarship System, which coaches people how to implement the strategies she used to earn scholarship money to graduate debt free. Can you imagine $125,000 in scholarship money and what that would mean to a young person? That could mean buying their first car, their first house, or even the wedding of their dreams. This episode is POWERFUL. You MUST, MUST share this with anyone you know that is either in college or in high school.

My guest on this episode, <a href="http://www.thescholarshipsystem.com/meet-the-founder/" rel="nofollow" target="_blank">Jocelyn Paonita</a>, graduated from college debt free after earning over $125,000 in scholarship money both during AND while in college. She has since gone on to create her own course, <a href="http://thescholarshipsystem.com/" rel="nofollow" target="_blank">The Scholarship System</a>, which coaches people how to implement the strategies she used to earn scholarship money to graduate debt free. Can you imagine $125,000 in scholarship money and what that would mean to a young person? That could mean buying their first car, their first house, or even the wedding of their dreams. This episode is POWERFUL. You MUST, MUST share this with anyone you know that is either in college or in high school.

How To Attend & Graduate from College Debt Free with Jocelyn Paonita of The Scholarship System

Did you know that there's an app that will pay your student loan debt by just playing trivia? this week's episode I sat down with Preston Blakely of Givling, Inc. the app that does just that. In this episode we dive into:  The history and story behind Givling, Inc. Preston's previous entrepreneurial endeavors prior to focusing on Givling, Inc. How crowdsourcing and advertising is used to make Givling work as it does How Givling has both a free to play and pay to play option Is it really as simple as it sounds? Yes, it actually is. The details behind the payout system Givling has in place  I hope you enjoy this episode and definitely check out the app, Givling, on iTunes! As always, keep climbing guys!   -Will

Did you know that there's an app that will pay your student loan debt by just playing trivia? this week's episode I sat down with Preston Blakely of Givling, Inc. the app that does just that. In this episode we dive into: <ul> <li>The history and story behind Givling, Inc.</li> <li>Preston's previous entrepreneurial endeavors prior to focusing on Givling, Inc.</li> <li>How crowdsourcing and advertising is used to make Givling work as it does</li> <li>How Givling has both a free to play and pay to play option</li> <li>Is it really as simple as it sounds? Yes, it actually is.</li> <li>The details behind the payout system Givling has in place</li> </ul> I hope you enjoy this episode and definitely check out the app, Givling, on iTunes! As always, keep climbing guys! -Will

Play Your Debt Away with Givling (the app)

Ben Fung

In this episode, I sat down live on Facebook with a financial and media expert in the world of physical therapy, Dr. Ben Fung, PT, DPT, MBA. Dr. Fung breaks down how to approach getting the job that you want and how to leverage your skill sets in order to be compensated the highest you can be compensated. For more information about Dr. Fung, check out his website: http://drbenfung.com/   Follow Ben on social media as well at:   https://www.facebook.com/DrBenFung/   https://twitter.com/DrBenFung   https://www.linkedin.com/in/drbenfung/

In this episode, I sat down live on Facebook with a financial and media expert in the world of physical therapy, Dr. Ben Fung, PT, DPT, MBA. Dr. Fung breaks down how to approach getting the job that you want and how to leverage your skill sets in order to be compensated the highest you can be compensated. For more information about Dr. Fung, check out his website: <a href="http://drbenfung.com/" rel="nofollow" target="_blank">http://drbenfung.com/</a> Follow Ben on social media as well at: <a href="https://www.facebook.com/DrBenFung/" rel="nofollow" target="_blank">https://www.facebook.com/DrBenFung/</a> <a href="https://twitter.com/DrBenFung" rel="nofollow" target="_blank">https://twitter.com/DrBenFung</a> <a href="https://www.linkedin.com/in/drbenfung/" rel="nofollow" target="_blank">https://www.linkedin.com/in/drbenfung/</a>

Determining Your Worth (A PT Perspective) with Dr. Ben Fung, PT, DPT, MBA

How did this amazing couple turn their net worth from $51,000 in credit card debt to over $750,000 in just over a decade? This newest episode of the Breaking Student Debt Podcast features the Debt Free Guys, hosts of the Queer Money Podcast and authors of the book The 4 Principles of a Debt Free Life. The strategies in this episode are game changers and the ways in which David and John tackled their credit card debt can also apply to those faced with student loan debt.  Check out their work at: http://debtfreeguys.com/

How did this amazing couple turn their net worth from $51,000 in credit card debt to over $750,000 in just over a decade? This newest episode of the Breaking Student Debt Podcast features the <a href="https://www.facebook.com/DebtFreeGuys/" rel="nofollow" target="_blank">Debt Free Guys</a>, hosts of the Queer Money Podcast and authors of the book The 4 Principles of a Debt Free Life. The strategies in this episode are game changers and the ways in which David and John tackled their credit card debt can also apply to those faced with student loan debt.  Check out their work at: <a href="http://debtfreeguys.com/" rel="nofollow noopener" target="_blank">http://debtfreeguys.com/</a>

The Principles of a Debt Free Life with The Debt Free Guys

Scott Alan Turner

It was a huge honor to record this episode with Financial Rockstar Scott Alan Turner of the Scott Alan Turner Show, a podcast dedicated to educating every day people about personal finance. He is also the author of the 99 Minute Millionaire: The Simplest and Easiest Book Ever on Getting Started Investing and Becoming Rock Star Rich. Scott breaks down so much about hacking his way out of student loan debt in this episode. Can't wait to share this episode with the world Thursday morning. For more about Scott and his podcast, check out his website:https://scottalanturner.com/

It was a huge honor to record this episode with Financial Rockstar <a href="https://www.facebook.com/MrScottTurner" rel="nofollow" target="_blank">Scott Alan Turner</a> of the <a href="https://www.facebook.com/scottalanturner23/" rel="nofollow" target="_blank">Scott Alan Turner</a> Show, a podcast dedicated to educating every day people about personal finance. He is also the author of the 99 Minute Millionaire: The Simplest and Easiest Book Ever on Getting Started Investing and Becoming Rock Star Rich. Scott breaks down so much about hacking his way out of student loan debt in this episode. Can't wait to share this episode with the world Thursday morning. For more about Scott and his podcast, check out his website:<a href="https://scottalanturner.com/" rel="nofollow noopener" target="_blank">https://scottalanturner.com/</a>

Rocking Your Way To Financial Freedom with Scott Alan Turner

In this episode with guest, Joseph Reinke, the CEO of FitBUX, we discuss whether or not we are currently headed towards a student loan bubble. A few weeks ago I was watching The Big Short, which is a great movie that provides some insight into what led to the housing market crash a decade ago. Watching it, it all eerily reminded me of what is currently happening with how we use student loans when it comes to higher education. Immediately there was one person I thought of who could help enlighten me about whether there would be any connections. Enter Joe Reinke, the CEO of FitBUX. Are we headed for a student loan bubble? Listen to find out.

In this episode with guest, <a href="https://www.fitbux.com/" rel="nofollow" target="_blank">Joseph Reinke, the CEO of FitBUX</a>, we discuss whether or not we are currently headed towards a student loan bubble. A few weeks ago I was watching The Big Short, which is a great movie that provides some insight into what led to the housing market crash a decade ago. Watching it, it all eerily reminded me of what is currently happening with how we use student loans when it comes to higher education. Immediately there was one person I thought of who could help enlighten me about whether there would be any connections. Enter Joe Reinke, the CEO of FitBUX. Are we headed for a student loan bubble? Listen to find out.

Are We Headed For A Student Loan Bubble? with guest Joe Reinke, CEO of FitBUX

Jared Casazza

In this episode I speak with Dr. Jared Casazza, PT, DPT about how travel physical therapy is helping him cut down on his student loan debt. In this episode we chat about how he and his girlfriend have gone to some creative measures to keep their costs low including buying a camper to live in while they travel. If you are interested in learning more about Jared's travel experiences, check out his blog at fifthwheelpt.wordpress.com I hope you all enjoy this episode, which is brought to you in part by PT Helper (pt-helper.com)

In this episode I speak with Dr. Jared Casazza, PT, DPT about how travel physical therapy is helping him cut down on his student loan debt. In this episode we chat about how he and his girlfriend have gone to some creative measures to keep their costs low including buying a camper to live in while they travel. If you are interested in learning more about Jared's travel experiences, check out his blog at <a href="http://fifthwheelpt.wordpress.com" rel="nofollow" target="_blank">fifthwheelpt.wordpress.com</a> I hope you all enjoy this episode, which is brought to you in part by PT Helper (<a href="http://pt-helper.com" rel="nofollow" target="_blank">pt-helper.com</a>)

Travel Physical Therapy and Getting Creative with Dr. Jared Casazza

This podcast is an interesting take on a national problem

Interesting take

Love hearing from someone who is working through the process. Great podcast.

Excellent podcast!

Breaking Student Debt Podcast

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