The Media and Student Loans
There is a video embedded into this post that may not display correctly if you are reading this via email. If you would like to see the post as it was intended, please visit the blog using a browser. The Patriot Act, a popular show on Netflix, recently highlighted the student loan industry. Unfortunately, there
Should You Switch to REPAYE?
I have received several questions from readers regarding a switch from either IBR or PAYE to REPAYE. While there are benefits to REPAYE, it does not always make financial sense to switch from one plan to another, and deciding to make a switch requires an analysis of your own personal situation. Most dentists who I
Practice Financing
I live in Southern California, and one of the dental practice brokers in the area is Bette Robin. I have not used, nor do I endorse her services; however, she recently released a podcast and this particular episode with Matt Christie of Bank of America is worth listening to. https://overcast.fm/+P8ASlbHvk Dr. Paul Goodman and other
Revisiting Mike Meru’s $1M Student Loan
As I was reflecting on 2018 over the New Year, I recalled Dr. Mike Meru’s story of a 1 million dollar student loan. In May 2018, the Wall Street Journal published an article about Dr. Meru’s student loan balance – which had exceeded 1 million dollars. If you subscribe to the WSJ, you can read
Reader Questions – What to do with a $1,000,000 Student Loan?
The first wave of subscribers are finishing the 20 emails about student loans. For those of you who are new, when you subscribe to the email campaign, you subscribe to this blog (EmbrasureSpace.org) – if you do not want emails like these, simply click the unsubscribe link at the bottom of this email and you
Public Service Loan Forgiveness for Dentists
There has been a lot of talk about Public Service Loan Forgiveness (PSLF) lately because of an article published by NPR which can be found here: https://www.npr.org/2018/10/17/653853227/the-student-loan-whistleblower?fbclid=IwAR1KygbBZCNeNEQE0geVUIk767XzJeIP3BQW0yNtKKt_LXpZTE_XFRUOgYM A few things: We won’t really get a good feel for how this program shakes out for at least 3-4 more years....
The Macro Problem We All Face with Student Loans
This post takes a broader view. We’ve already established that dental school is too expensive. However, the same is likely true for undergraduate degrees. Aside from one’s ability to get more than 100k from the government with zero credit history and no collateral (that’s why tuition can keep rising); the macro problem for us all
Small, Mid, and Large Cap Stocks
When you start looking towards the U.S. stock market as a potential place to invest a portion of your portfolio, you will find that a stock is classified as either a small, mid, or large cap stock based on how much the company is worth. Small cap stocks consist of companies worth 2 billion or
Amortization and Negative Amortization
Amortization of loans refers to the spreading of payments over a defined period of time often referred to as the amortization schedule. Upon graduation, dental students enter a standard repayment plan where their graduate student loans are amortized over a 10 year term. Since most graduates have no income on the day they graduate, it is