August 5, 2025 • 28 mins
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When the "big beautiful bill" passed, all student loan forgiveness programs were paused. In this segment we went deep into the ripple effects these changes will create across healthcare. Whether you're a healthcare professional feeling betrayed by broken government promises or a taxpayer relieved about potential savings, share your perspective with us! Are you team "responsibility" or team "broken promises"? Which side are you on?
REE DOWNLOAD - 7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locums
LINKS MENTIONED
npr article on what borrowers should know about student loan changes in the One Big Beautiful Bill - https://www.npr.org/2025/07/24/nx-s1-5477646/student-loan-repayment-forgiveness-trump
CBS NEWS on student loan forgiveness - https://www.cbsnews.com/news/student-loan-forgiveness-ibr-debt-payments-education-department-cbs-news-explains/
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This episode is sponsored by
Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
Locumstory. Learn how locum tenens helps doctors make more and have the lifestyle they deserve!. Check them out HERE!
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
All right, guys.
We just talked about the lifeand legacy of Malcolm Jamal
Warner and how much he meant tous as a child star.
Check that out in the lastsegment if you missed it.
Now we're going to be talkingabout that big, beautiful bill
and that student loanforgiveness is now paused.
Speaker 2 (00:21):
So student loan forgiveness is paused.
Pause, son pause.
So I know you love to do.
I told you so, guys, just so youknow me and renee have a thing
going where she's always rightwhatever knee so student loans
are student loan forgiveness ispaused, guys, and last week or a
(00:43):
couple of weeks ago I don'tknow when this episode is coming
out the big beautiful bill gotpassed.
There's an article from CBS aswell as a relic in the next
couple of weeks.
I don't even know if thiswebsite is going to be working.
Npr oh shit.
Npr ain't going to have nofunding, so this might be the
last time you see NPR, so makesure you check it out, but it's
(01:16):
a problem.
We got a problem.
So any most of the types ofstudent loan forgiveness
programs have been put on pause.
Right now, we don'tV-Eborrowers.
That's the plan that cappedpayments at 5% of your income,
right, and had forgivenesscompletely frozen.
Well, excuse me, forgivenesshas been completely frozen
because of a court fight overthe original debt relief push
right.
So this was what three or fouryears ago, when they wanted to,
(01:38):
when Biden wanted to relieve allthe debt, that stuff has been
in limbo and now people who havebeen in that program and have
been doing, you know, paymentsbased off of 5% of their income
pause.
We don't know if you're goingto still stay in that program.
Speaker 1 (01:52):
So that's an income-based repayment system.
Speaker 2 (01:55):
That's a little bit different than an income-based
repayment system.
Okay, income-based repaymentborrowers right, you guys are
stuck in limbo, right?
So, basically, the forgivenessthat you thought were coming.
So, people who thought that I'mgoing to make my payments, I
just got to follow this planthat they have based off of my
income.
Speaker 1 (02:13):
Right, so like PSLF.
Speaker 2 (02:16):
Yeah, we don't know if PSLF is going to finish Right
.
Here's the problem, though.
The problem with PSLF is, let'ssay, you are safe and PSLF
continues.
If your hospital does likegender affirming surgery, ok, or
anything that theadministration deems as a
(02:38):
problem, they have the right totake that off of what your
hospital could not be eligible.
Speaker 1 (02:46):
For PSLF.
Yes, even though it's anonprofit.
Yes.
Speaker 2 (02:51):
Yes, yes, so I was.
You know it's funny.
The reason I bring this up is,you know this is a big thing but
I actually was talking to.
I met this doctor he's a GIdoctor at my hospital and you
know he wants to do locums, buthe's like I got to wait a year
because this is the last year ofPSLF for me, oh God.
And I was like, well, this isbefore this, right Before.
Speaker 1 (03:12):
I knew about this, so I was like okay, that makes
sense.
Speaker 2 (03:14):
For me if you've done 10 years, so the reason why If
you're in year nine you waittill year 10.
So the reason why some peoplemay be like, hey, well, what do
we like?
Let's clarify it.
You want to clarify for them oryou want me to do it?
No, you do it.
So the reason why folks wouldnot do locums if they're in PSLF
is in PSLF you have to beworking at a nonprofit hospital,
(03:35):
like you have to be employed ata nonprofit hospital when
you're working as a locum tenensdoctor, as an independent
contractor, you ain't got no job, you're not employed.
You're making money, you'reworking as a whatever it may be
specialty, but you're notemployed.
So you're not going to fulfillthat part of PSLF.
So a lot of folks who are justlike, yeah, I love this, like
(03:57):
I'm going to get my loans paidoff, but I just want to work as
a locums, they're going to belike, yeah, no, let me finish
this.
So that's what he was saying.
Right, I want to get through my10 years 120 payments, no missed
payments.
Once I'm done with that and Iget all of my student loans
forgiven, oh my God.
So people like him, screwed.
What do you do, right, do you?
(04:19):
Because you know you're talkingabout 10 payments, excuse me,
you're talking about 120payments at, usually like a
minimum Right and then the restof it will be forgiven Right.
Speaker 1 (04:32):
It doesn't mean that like so you didn't put as much
of a dent in your loans over thelast 10 years as you could have
if you had been paying kind ofthe real minimum payment.
Speaker 2 (04:44):
And then the one big beautiful bill.
It phases out, it saves, it's.
It phases out the save plan,the paye plan.
Um, I see, I ain't going intoall that.
You guys got to look at all.
We're a podcast and stuff,right?
Um, all that stuff is beingphased out by 2028, all right,
and it's going to be replaced bya 30 year repayment plan that
(05:05):
takes a lifetime to finish.
Speaker 1 (05:08):
Wait what.
Speaker 2 (05:08):
Yep, Every plan is all.
Those plans are gone by 2028.
Speaker 1 (05:12):
No, no, no, Say the second part.
Replaced by what?
Speaker 2 (05:16):
It's going to be replaced by a single 30 year
repayment plan.
Speaker 1 (05:22):
So it's going back to what it was before.
Speaker 2 (05:24):
No, so it's going back to what it was before no
it's so.
It's going to the default,right, right, but there was all
these different plans to helpyou, right, all of those other
things are gone, right so so noincome-based repayment no, it's
going to be gone by 2028, noPSLF potentially.
Might be out no save.
Speaker 1 (05:44):
Might be out.
No pay Yep.
So essentially it's like You'reon your own.
Right.
Speaker 2 (05:54):
You're on your own.
So I think so there's two ways.
There's two ways to look atthis.
Speaker 1 (05:58):
Oh, wait and also question.
This also includes that theplus loans are gone as well.
Speaker 2 (06:06):
Oh, I don't know, the plus loans gone.
I'm asking oh, I don't know, Ididn't look that up Someone.
If someone knows, let us knowyo.
Speaker 1 (06:22):
Yeah, because I saw something about the plus loans
being gone also, like parentplus for graduate being gone.
All I gotta say is let us knowif you.
Speaker 2 (06:25):
But that's what.
That's what I thought I wasthinking about.
Being a doctor if you'rethinking about going into
medical professor, you betternot let your parents put nothing
in your name.
Don't let your brother or yoursister put that car in your name
.
Don't let them start that cellphone play.
Listen, you need your credit.
Private loans they private loanlenders.
They're like happy, right now,yeah right they are, they gonna
(06:46):
be predators so I look at it, soI was thinking about and I
wrote this down.
I was like, on one side, you'regonna have people, because this
is what people were saying, youhave some people are like
finally, my taxes are not goingto go and subsidize someone
else's student loans.
Right, you have people on oneside.
Speaker 1 (07:03):
But when you need a doctor and there's not one
available, don't just don't bemad about it.
Speaker 2 (07:08):
On the other end you told a bunch of teachers,
doctors, lawyers.
Speaker 1 (07:12):
Not to be coming, Not to become those things.
Speaker 2 (07:15):
No, no, no no, Right now you have them already in a
plan that says if you play bythese rules, right, this is a
government thing.
If you play by these rules, wewill forgive the rest, If you
work at a nonprofit hospitalwhich is beneficial for the
community if you make paymentsand don't miss a payment, right,
then we.
(07:38):
So basically, what we're sayingnow is yeah, you can't trust
the government, you can't trustthe government.
Speaker 1 (07:44):
Well, what you're saying is now you can't trust
the government.
You can't rely on thegovernment right.
You can't rely on thegovernment right Because
governments make laws.
They change laws, so you cannever trust that whatever is the
law today is going to be thelaw tomorrow.
What you can't do is rely onthe government right, because
(08:07):
the government can change itslaws at any particular point in
time.
Speaker 2 (08:12):
I think there should be some type of retroactive type
thing where you getgrandfathered in and so forth.
Not getting into specifics ofall that, but I do believe that
there should be something that'sgrandfathered in, but hey, you
know.
Speaker 1 (08:23):
I mean, even if there isn't whether there is or isn't
a grandfather clause, right,the reality is going forward
this is still going to rear itsugly head in some way, shape or
form.
Going to rear its ugly head insome way, shape or form.
So if taxpayers who are not in,you know, in these professions
(08:47):
are like thankfully, our youknow, our taxes aren't going to
student loans and X, y and Z andblah, blah, blah, it's like
that's fine.
But and you and I know becausewe work in rural communities,
you and I know we work in ruralcommunities.
So when you come into thehospital and when you're at an
urban center now right, let'sfast forward, maybe 50 years
from now, if this keeps up andnow you're at an urban center
(09:11):
and they're like, oh yeah,there's no doctor here that can
do that for you, when thetertiary care hospital now is no
longer a tertiary care hospitalbecause they don't have enough
doctors, they don't have enoughresources to do the things that
need to be done, don't talk.
Well, I live in New York City.
(09:32):
How is this possible?
Go back to your laws andregulations and you will see how
that is possible.
That's all.
Just don't complain.
The public just cannot complainabout these things.
You and I know in ruralcommunities people be
complaining like crazy.
I'm like you did it to yourself.
You did it to yourself.
Speaker 2 (09:53):
Well, I think that in some way, some form of like
they be complaining.
You know they do.
If you don't invest, if youdon't, as a society, invest in
the education of the people inyour society Right, whether it's
education, whether it's healthcare like you will start to see
(10:15):
major issues 20 years, actually10 years, 20 years down the line
.
Speaker 1 (10:21):
Certainly 50.
Speaker 2 (10:22):
So basically, if you make it really difficult to
become a doctor, if you make itvery difficult to be in whatever
health care professional may be, it makes it really hard for
folks to come, particularly toareas that don't pay as much or
areas that are not very umadvantageous to be at.
(10:42):
You make people become verystrategic, right?
So if you have a doc, so forthe folks who are listening
right now, whose doc, whoseparents are just going to write
out a check, they're likewhatever, this doesn't change
anything for me right but youknow, if you are well and if
you're just saying, look, I needto recoup my money, so I'm
going to go into a specialty,right?
Or I'm going to go into anon-primary care field and I'm
(11:04):
going into the city, or I'mgoing into concierge medicine,
or I'm going to do tick tocks,which I went back and I listened
to the.
I went back and listened to thegame tape about what I was
saying and I'm going to talkabout it later on the show.
But I need to revise what I'msaying.
But this is part of it, right?
Like if you're making moremoney on TikTok, if you're
making more money dancing thanactually operating, eventually
(11:24):
you're going to be like the jigis up.
Why am I?
Speaker 1 (11:27):
putting in all this time Right, if you find more
innovative ways in order tobecome, you know, lucrative,
right in your income, thenyou're going to do that.
And the reality is this look asmany rich people as there are
out there.
Ain't all they, not allbecoming doctors.
I mean, let's just.
But I think one thing, let'sjust put that out there.
Speaker 2 (11:48):
So one thing that drives me nuts, though, about
this is, like you know, in thisbill and just in general, like I
don't understand why averagepeople side with billionaires
and businesses that arebillionaire in quality, right,
so like they're okay, wallstreet getting a bailout, right,
(12:08):
but everybody else, anybodypersonally, it has to be
personal responsibility no,they're not okay with wall
street getting a bailout eventhough, like the personal
responsibility part, the personthat's actually going to affect
your community way more than aWall Street bailout, they're not
okay.
It just drives me nuts.
Speaker 1 (12:23):
But they're not okay with Wall Street getting a
bailout.
If you ask them right, they'renot okay with Wall Street
getting a bailout.
The problem is, wall Street isso big it's like well, who are
you fighting?
Speaker 2 (12:34):
Like you know, there's no individual person
Right.
Speaker 1 (12:38):
There's no Exactly Like who are you looking at
Right, whereas doctors althoughyou know doctors make up a huge
group.
But you can see a doctor, youinteract with doctors, you know
you can touch them, you cansmell them, right Like you can
see doctors and you can have anopinion on that because you feel
(12:59):
like you're just closer to it,right.
And so they're not okay withanybody getting a bailout except
for themselves.
They want the bailout,everybody wants the bailout, and
I don't blame everybody forwanting the bailout.
But the reality is that you, youknow, you've got to realize at
some point that certain things,certain decisions are going to
(13:22):
impact you in a certain way.
And that's all right.
It's not to say, oh, you shouldagree that doctors should get a
bailout or you should agreethat Wall Street should get a
bailout.
I don't care whether or not youagree with that.
I'm just saying understand whatthe consequences are and don't
complain later on because you'vebeen affected.
It's, it's the whole.
(13:42):
Be careful what you wish for,because you just might get it.
And the reality that thereality is right now, the way
that this thing is going, isthat in?
In my vision, if this continuesin this way, where only you
know people who can write out acheck can actually get into the
profession of medicine one,you're going to have a lot of
(14:03):
medical schools closing, that'snumber one.
Because all these rich peoplethat can write a check, I mean
you don't have that many peoplewhose kids want to become
doctors, so a lot of medicalschools are going to be closing,
which, too, means that you'regoing to have even further more
of a physician shortage, right?
(14:24):
Which three basically meansthat you're probably moving in
the direction of a developingcountry, which I've always said,
that this country would love tobe a developing country in some
aspects, and I think thatthat's where you're headed.
Speaker 2 (14:37):
So picture this y'all .
So this means when you graduatefrom college, you're going to
get a coupon book that says yourstudent loans start at the age
of 22, 23.
And that coupon book isbasically going to say you ain't
done till you 54.
Speaker 1 (14:52):
You know that's crazy .
That's the time.
Speaker 2 (14:55):
That's the time when you're supposed to be saving up
for your kids tuition.
That's the time when you'resupposed to be saving up for
your kid's tuition.
That's the time when you'resupposed to be saving up for
your retirement.
So, in essence, you're going tobe having more people reliant
on if it's even going to be outproblem.
So I think a lot of peopleright now are in limbo,
(15:17):
particularly people who wereusing these federal financial
repayment plans as part of likeeither their ability to invest,
their ability to plan for thefuture, even what kind of job
that they're looking at.
The other thing, too, that wehaven't talked about we may have
(15:50):
to say this for another episodeis the insurers for under
Obamacare have all put out thatinsurance premiums are going to
go through the roof startingJanuary 1st.
So it's just all I got to sayis this y'all, it's a different
world, a lot of stuff's going tochange.
Speaker 1 (15:57):
A lot of stuff's going to change.
A lot of stuff is going tochange.
So if you were, if you were meback in when you graduate, 1990
or 2000,.
You graduated from college andthis is what you have ahead of
you.
What would you do.
Speaker 2 (16:13):
I wouldn't do anything differently.
I'll tell you why.
Because if we follow, if Ifollow the path that I just
followed right, which is, guys,we didn't do any income based
repayment, we just paid off allof our debt.
So I just want everybody toknow, like when you graduate,
like now, at least if yougraduate now, the income that
you make being a physicianyou're going to be able to pay
(16:35):
off your student loans.
Speaker 1 (16:36):
OK.
Speaker 2 (16:36):
I don't know how long it's going to take you, but
you're going to be able to payoff your student loans and live
comfortably at the same time.
That's my opinion.
I don't care what anybody hasto say.
You're going to be comfortable,Right?
The question is is how are yougoing to get there?
Are you going to get there?
Well, basically, now you're,you're more than likely going to
have to get there, where you'regoing to have to pay off your
entire student loan debt.
(16:57):
Right, we did Excuse me, that'swhat we did.
The majority of students whoare paying off their student
loans right now are not doingthat.
They're doing it off of sometype of PSLF or income based.
So for me right now, yeah, Ijust be like yeah, I want to get
into med school, I want to be adoctor, I'm going to pay off my
loans because I didn't think ofany other way to get through it
(17:19):
right now.
Right.
But also, at the same time,what I would be more concerned
about is do I have enough creditto get through?
That's where I'd be nervous,right.
So this boils down to guys.
You can go back several,several, I don't know how many
episodes where we talked aboutwhen I put out maximum for my
(17:40):
student loans.
Like I don't know about y'all,but I took out maximum student
loans every year in med schoolbecause I just didn't want to
ask my parents for any money.
I just wanted to make sure thatyou know that I had enough.
And I'll tell you we did notlive luxurious at all.
I didn't live luxurious.
No, I don't know about you,your rent was more than mine,
but I ain't live luxurious 150or 125 dollars more than you was
(18:00):
living in the plaza rightliving no dag on plaza all right
, so I took out.
Speaker 1 (18:07):
Why do you always have to lie about something?
This is what I don't understand.
People, please write in andwrite in to me.
Speaker 2 (18:17):
Don't talk to my audience.
Speaker 1 (18:19):
Write in to me and let him know that his truth is
enough.
His truth is enough, does nothave to, you know, make up
stories, you know, and justexaggerate things.
For you guys to appreciate him.
Speaker 2 (18:39):
Write him because I feel like should I look at the
screen and say so, tell me, whatshould I say?
I feel like, no, you don't needto say anything because I'm
saying it for you my name is DrNidarko and I'm enough, I'm fine
and gosh darn it.
Speaker 1 (18:51):
people like me because I'm good enough.
I'm smart enough and gosh darnit people like me.
Because I'm good enough, I'msmart enough and doggone it,
people like me.
Yeah, that that please writeinto him and let him know.
Speaker 2 (19:14):
All right, so listen guys.
So I took even though I livedlike I lived, we lived.
The house that we, that I livedin was the apartment that I
have was not expensive, but myapartment was what?
Three hundred dollars, threehundred dollars a month right,
renee's was what.
Speaker 1 (19:21):
425 425.
Speaker 2 (19:23):
Which weird.
Speaker 1 (19:24):
I had the washing machine and dryer, you didn't
and, but I had an independenthouse, yeah, with the garage
yeah, yeah, yeah, but I took outthe maximum amount for said
reasons.
Speaker 2 (19:35):
You got to be really careful now you starting from
going into your pre-med years incollege, y'all.
You got to be real strategic.
You got to make sure you'relooking for scholarships.
You got to make sure that youare very smart about this,
because not only the studentloan repayment issue that's an
issue, but there's caps on howmuch you can take out.
(19:57):
That's the problem.
So the Senate, they changed thebill a little bit and they
increased how much you can takeout as a med student.
Speaker 1 (20:03):
Do we know how much that is?
Speaker 2 (20:04):
I think it's like 50 grand.
So if you're in med school, lawschool and I forget what other
profession you can take out morethan somebody else who's like,
for example, let's say you hadsomeone who wants to take
student loans out for a master'sdegree and then you compare
that to someone who wants totake student loans out for a
professional degree okay theirmaximum is like 50k.
Okay, the master's I forget whatit's like, but it's.
(20:25):
It's a difference.
But if you blew your load allin college, you're screwed.
You're going to be screwed.
Speaker 1 (20:34):
I go to them city colleges and them state colleges
, but even then, yeah, them citycolleges, they're still,
they're still like.
Speaker 2 (20:40):
And in New York they think they slick New York.
We know what you're doing.
So New York will basically saywas it free tuition for
everybody?
What do you mean?
Remember New York, the New YorkSUNY schools.
They say free tuition foreverybody.
Speaker 1 (20:51):
No, no, suny is state .
Speaker 2 (20:53):
I know.
Speaker 1 (20:54):
CUNY is city.
Speaker 2 (20:55):
Okay, but for SUNY right.
Okay, remember, kimmy went tolike basically they had a plan?
Speaker 1 (21:01):
No, no, it wasn't free tuition, it was free
housing or something like that.
Speaker 2 (21:06):
No, it was free tuition, but you had to pay for
housing.
Oh was it.
Speaker 1 (21:18):
Yeah, tuition, but you had to pay for housing.
Oh was it.
Yeah, it was something crazy,but the housing is like, oh you
might.
Speaker 2 (21:19):
The housing is mad expensive.
It's like 20k, right.
So I was like, how am I savingmoney?
Yeah, you might be right.
So all I'm just saying iseverybody, you got to be real
strategic.
Nowadays the jig is up.
You're gonna have to bestrategic.
Which uh college you look at,you know gap years now guys, gap
years, post-bac programs,because all that stuff counts.
Right, let's start diying.
All that stuff counts, so it'sjust it.
(21:41):
There's a lot of stuff that'sgoing to change in the next
several years.
Yeah, it's going to change,it's going to be very.
Speaker 1 (21:47):
Yeah, it's going to be much more difficult, um for
students trying to get intomedical school, trying to get
through medical school as well.
Speaker 2 (21:56):
I want to hear from people Seriously, I got, I got
here.
I really I want to know I wantto know if you're, if you are a
resident right now, if you arean attending right now and you
are on this PS, ps LF systemright now and you upset Yo, you
can leave us a voicemail rightin.
Speaker 1 (22:11):
You can leave us a voicemail.
Speaker 2 (22:12):
Write in Shout.
You can leave us a voicemail.
You can even send us a textbecause I want to read it.
Speaker 1 (22:15):
I want to read it on the next show.
You can use expletives too, ifyou'd like.
Speaker 2 (22:17):
Oh yeah, I'm really interested in that.
You know you want to anonymizeyourself you can, if you want to
hear from them too.
Speaker 1 (22:29):
You the people on the other side who are like I ain't
, I want my taxes to pay offthese mugs.
Speaker 2 (22:33):
What do you call it?
Speaker 1 (22:34):
uh, student loans, I want to hear from everybody, so
we'll hear from everybody if youare in support of this, write
us in, send us a voicemail.
Speaker 2 (22:42):
If you're not in support of this and you feel
betrayed, if you feel like yougot, you know whatever, let us
know.
Speaker 1 (22:50):
I want to hear from the potential potential medical
students.
Actually medical students andand potential medical students,
those who are like applying thisyear or got their acceptances
and are just waiting to startschool yeah, team responsibility
versus team broken, brokenpromises.
Speaker 2 (23:11):
That's what I got yeah which side are you on?
Yeah, man, that's, it's a lot.
It's a lot, all right, actually.
So I do have a question for youas somebody who has been
involved in a federal studentloan program in many different
ways.
Right, what do you mean?
(23:32):
You've taken out loans incollege, right?
Okay, you took out federalloans in med school, right?
Speaker 1 (23:38):
Yeah.
Speaker 2 (23:38):
So you're part of the federal student loan program oh
, okay.
Right, whether it's subsidizedor unsubsidized.
Okay, so you've benefited fromthat.
Speaker 1 (23:44):
Yes.
Speaker 2 (23:45):
In some form or fashion.
Speaker 1 (23:46):
right, yes, but you paid off your, your student
loans the traditional way, ifnot an accelerated traditional
way?
Yes, are you split any wayabout this?
I think that people should havethe option of either paying the
way we did traditionally, and Ithink the government should
(24:07):
help to subsidize.
I think that that option shouldexist.
Speaker 2 (24:12):
You mean, there should be forgiveness?
Speaker 1 (24:13):
Yeah, there should be forgiveness.
There should be loanforgiveness.
Just because I, just because I,you know, didn't benefit from
something, doesn't mean thatsomebody else shouldn't benefit
from it.
Right?
Like I can't stand people wholive in society like, well, I
didn't get it, so why doeseverybody else get it?
I'm like that is such a selfishway to go about living.
(24:34):
Right, because there's alwaysgoing to be.
There's always going to be,whether it's student loans,
whether it's, you know, somebodywant a new car, whether it's,
you know, whatever it is, thereis always going to be someone
who benefits from something thatyou didn't benefit from.
Shoot, the person in front ofyou can have a coupon that you
didn't have for the same damnproduct that you have at the
(24:57):
supermarket.
Now, all of a sudden, thisperson should pay full price,
like, for me, this just doesn'tmake sense.
Speaker 2 (25:03):
Like, how do?
Speaker 1 (25:03):
you live in a society with that kind of thought
process.
Speaker 2 (25:07):
So what do you think is going to?
I think the worst one will benot the PSLF, not the income
based repayment.
The issue will be the caps onhow much student loans you can
take out.
I think that's going to be thebigger issue because I think
that's going to turn people offmore.
That basically is, if you wantto talk about gatekeeping, that
is as obvious and you won't beable to even get as gatekeeping
(25:30):
as you can get with that.
So that, for me, is the biggerissue.
Um, I think for doctors inparticular, you're going to be
able to pay off your studentloans, however it can be.
It's going to be more of aproblem for those because you
remember, like two years ago,three years ago, we were at aoa
and there was a student who wasgraduating with 400 400 000
(25:50):
student loan debt.
That's crazy.
Speaker 1 (25:54):
That's crazy.
So, yeah, I don't know.
But yeah, I think the caps aregoing to be much more of a
problem, because that's going tobe the thing that determines
whether or not you can even getthrough the door.
So you'll have an acceptance inyour hand and then they'll say,
hey, pay this tuition.
And you'll be like I can't, andif that's it Right.
(26:19):
So you know, yeah, I agree withyou that that's going to be
more of a problem.
But, going into the nextsegment, let's talk about kind
of what you discussed, and thatis that as a doctor, you might
be able to make more on TikTokthan you would being able to
work as a doctor.
(26:40):
We kind of talked about that ina previous episode.
We're going to revisit thatagain in the next segment.
So stay tuned.
All right, guys.
We just talked about the lifeand legacy of Malcolm Jamal
Warner and how much he meant tous as a child star.
Check that out in the lastsegment if you missed it.
Now we're going to be talkingabout that big, beautiful bill
and that student loanforgiveness is now paused.
Speaker 2 (00:21):
So student loan forgiveness is paused.
Pause, son pause.
So I know you love to do.
I told you so, guys, just so youknow me and renee have a thing
going where she's always rightwhatever knee so student loans
are student loan forgiveness ispaused, guys, and last week or a
(00:43):
couple of weeks ago I don'tknow when this episode is coming
out the big beautiful bill gotpassed.
There's an article from CBS aswell as a relic in the next
couple of weeks.
I don't even know if thiswebsite is going to be working.
Npr oh shit.
Npr ain't going to have nofunding, so this might be the
last time you see NPR, so makesure you check it out, but it's
(01:16):
a problem.
We got a problem.
So any most of the types ofstudent loan forgiveness
programs have been put on pause.
Right now, we don'tV-Eborrowers.
That's the plan that cappedpayments at 5% of your income,
right, and had forgivenesscompletely frozen.
Well, excuse me, forgivenesshas been completely frozen
because of a court fight overthe original debt relief push
right.
So this was what three or fouryears ago, when they wanted to,
(01:38):
when Biden wanted to relieve allthe debt, that stuff has been
in limbo and now people who havebeen in that program and have
been doing, you know, paymentsbased off of 5% of their income
pause.
We don't know if you're goingto still stay in that program.
Speaker 1 (01:52):
So that's an income-based repayment system.
Speaker 2 (01:55):
That's a little bit different than an income-based
repayment system.
Okay, income-based repaymentborrowers right, you guys are
stuck in limbo, right?
So, basically, the forgivenessthat you thought were coming.
So, people who thought that I'mgoing to make my payments, I
just got to follow this planthat they have based off of my
income.
Speaker 1 (02:13):
Right, so like PSLF.
Speaker 2 (02:16):
Yeah, we don't know if PSLF is going to finish Right
.
Here's the problem, though.
The problem with PSLF is, let'ssay, you are safe and PSLF
continues.
If your hospital does likegender affirming surgery, ok, or
anything that theadministration deems as a
(02:38):
problem, they have the right totake that off of what your
hospital could not be eligible.
Speaker 1 (02:46):
For PSLF.
Yes, even though it's anonprofit.
Yes.
Speaker 2 (02:51):
Yes, yes, so I was.
You know it's funny.
The reason I bring this up is,you know this is a big thing but
I actually was talking to.
I met this doctor he's a GIdoctor at my hospital and you
know he wants to do locums, buthe's like I got to wait a year
because this is the last year ofPSLF for me, oh God.
And I was like, well, this isbefore this, right Before.
Speaker 1 (03:12):
I knew about this, so I was like okay, that makes
sense.
Speaker 2 (03:14):
For me if you've done 10 years, so the reason why If
you're in year nine you waittill year 10.
So the reason why some peoplemay be like, hey, well, what do
we like?
Let's clarify it.
You want to clarify for them oryou want me to do it?
No, you do it.
So the reason why folks wouldnot do locums if they're in PSLF
is in PSLF you have to beworking at a nonprofit hospital,
(03:35):
like you have to be employed ata nonprofit hospital when
you're working as a locum tenensdoctor, as an independent
contractor, you ain't got no job, you're not employed.
You're making money, you'reworking as a whatever it may be
specialty, but you're notemployed.
So you're not going to fulfillthat part of PSLF.
So a lot of folks who are justlike, yeah, I love this, like
(03:57):
I'm going to get my loans paidoff, but I just want to work as
a locums, they're going to belike, yeah, no, let me finish
this.
So that's what he was saying.
Right, I want to get through my10 years 120 payments, no missed
payments.
Once I'm done with that and Iget all of my student loans
forgiven, oh my God.
So people like him, screwed.
What do you do, right, do you?
(04:19):
Because you know you're talkingabout 10 payments, excuse me,
you're talking about 120payments at, usually like a
minimum Right and then the restof it will be forgiven Right.
Speaker 1 (04:32):
It doesn't mean that like so you didn't put as much
of a dent in your loans over thelast 10 years as you could have
if you had been paying kind ofthe real minimum payment.
Speaker 2 (04:44):
And then the one big beautiful bill.
It phases out, it saves, it's.
It phases out the save plan,the paye plan.
Um, I see, I ain't going intoall that.
You guys got to look at all.
We're a podcast and stuff,right?
Um, all that stuff is beingphased out by 2028, all right,
and it's going to be replaced bya 30 year repayment plan that
(05:05):
takes a lifetime to finish.
Speaker 1 (05:08):
Wait what.
Speaker 2 (05:08):
Yep, Every plan is all.
Those plans are gone by 2028.
Speaker 1 (05:12):
No, no, no, Say the second part.
Replaced by what?
Speaker 2 (05:16):
It's going to be replaced by a single 30 year
repayment plan.
Speaker 1 (05:22):
So it's going back to what it was before.
Speaker 2 (05:24):
No, so it's going back to what it was before no
it's so.
It's going to the default,right, right, but there was all
these different plans to helpyou, right, all of those other
things are gone, right so so noincome-based repayment no, it's
going to be gone by 2028, noPSLF potentially.
Might be out no save.
Speaker 1 (05:44):
Might be out.
No pay Yep.
So essentially it's like You'reon your own.
Right.
Speaker 2 (05:54):
You're on your own.
So I think so there's two ways.
There's two ways to look atthis.
Speaker 1 (05:58):
Oh, wait and also question.
This also includes that theplus loans are gone as well.
Speaker 2 (06:06):
Oh, I don't know, the plus loans gone.
I'm asking oh, I don't know, Ididn't look that up Someone.
If someone knows, let us knowyo.
Speaker 1 (06:22):
Yeah, because I saw something about the plus loans
being gone also, like parentplus for graduate being gone.
All I gotta say is let us knowif you.
Speaker 2 (06:25):
But that's what.
That's what I thought I wasthinking about.
Being a doctor if you'rethinking about going into
medical professor, you betternot let your parents put nothing
in your name.
Don't let your brother or yoursister put that car in your name
.
Don't let them start that cellphone play.
Listen, you need your credit.
Private loans they private loanlenders.
They're like happy, right now,yeah right they are, they gonna
(06:46):
be predators so I look at it, soI was thinking about and I
wrote this down.
I was like, on one side, you'regonna have people, because this
is what people were saying, youhave some people are like
finally, my taxes are not goingto go and subsidize someone
else's student loans.
Right, you have people on oneside.
Speaker 1 (07:03):
But when you need a doctor and there's not one
available, don't just don't bemad about it.
Speaker 2 (07:08):
On the other end you told a bunch of teachers,
doctors, lawyers.
Speaker 1 (07:12):
Not to be coming, Not to become those things.
Speaker 2 (07:15):
No, no, no no, Right now you have them already in a
plan that says if you play bythese rules, right, this is a
government thing.
If you play by these rules, wewill forgive the rest, If you
work at a nonprofit hospitalwhich is beneficial for the
community if you make paymentsand don't miss a payment, right,
then we.
(07:38):
So basically, what we're sayingnow is yeah, you can't trust
the government, you can't trustthe government.
Speaker 1 (07:44):
Well, what you're saying is now you can't trust
the government.
You can't rely on thegovernment right.
You can't rely on thegovernment right Because
governments make laws.
They change laws, so you cannever trust that whatever is the
law today is going to be thelaw tomorrow.
What you can't do is rely onthe government right, because
(08:07):
the government can change itslaws at any particular point in
time.
Speaker 2 (08:12):
I think there should be some type of retroactive type
thing where you getgrandfathered in and so forth.
Not getting into specifics ofall that, but I do believe that
there should be something that'sgrandfathered in, but hey, you
know.
Speaker 1 (08:23):
I mean, even if there isn't whether there is or isn't
a grandfather clause, right,the reality is going forward
this is still going to rear itsugly head in some way, shape or
form.
Going to rear its ugly head insome way, shape or form.
So if taxpayers who are not in,you know, in these professions
(08:47):
are like thankfully, our youknow, our taxes aren't going to
student loans and X, y and Z andblah, blah, blah, it's like
that's fine.
But and you and I know becausewe work in rural communities,
you and I know we work in ruralcommunities.
So when you come into thehospital and when you're at an
urban center now right, let'sfast forward, maybe 50 years
from now, if this keeps up andnow you're at an urban center
(09:11):
and they're like, oh yeah,there's no doctor here that can
do that for you, when thetertiary care hospital now is no
longer a tertiary care hospitalbecause they don't have enough
doctors, they don't have enoughresources to do the things that
need to be done, don't talk.
Well, I live in New York City.
(09:32):
How is this possible?
Go back to your laws andregulations and you will see how
that is possible.
That's all.
Just don't complain.
The public just cannot complainabout these things.
You and I know in ruralcommunities people be
complaining like crazy.
I'm like you did it to yourself.
You did it to yourself.
Speaker 2 (09:53):
Well, I think that in some way, some form of like
they be complaining.
You know they do.
If you don't invest, if youdon't, as a society, invest in
the education of the people inyour society Right, whether it's
education, whether it's healthcare like you will start to see
(10:15):
major issues 20 years, actually10 years, 20 years down the line
.
Speaker 1 (10:21):
Certainly 50.
Speaker 2 (10:22):
So basically, if you make it really difficult to
become a doctor, if you make itvery difficult to be in whatever
health care professional may be, it makes it really hard for
folks to come, particularly toareas that don't pay as much or
areas that are not very umadvantageous to be at.
(10:42):
You make people become verystrategic, right?
So if you have a doc, so forthe folks who are listening
right now, whose doc, whoseparents are just going to write
out a check, they're likewhatever, this doesn't change
anything for me right but youknow, if you are well and if
you're just saying, look, I needto recoup my money, so I'm
going to go into a specialty,right?
Or I'm going to go into anon-primary care field and I'm
(11:04):
going into the city, or I'mgoing into concierge medicine,
or I'm going to do tick tocks,which I went back and I listened
to the.
I went back and listened to thegame tape about what I was
saying and I'm going to talkabout it later on the show.
But I need to revise what I'msaying.
But this is part of it, right?
Like if you're making moremoney on TikTok, if you're
making more money dancing thanactually operating, eventually
(11:24):
you're going to be like the jigis up.
Why am I?
Speaker 1 (11:27):
putting in all this time Right, if you find more
innovative ways in order tobecome, you know, lucrative,
right in your income, thenyou're going to do that.
And the reality is this look asmany rich people as there are
out there.
Ain't all they, not allbecoming doctors.
I mean, let's just.
But I think one thing, let'sjust put that out there.
Speaker 2 (11:48):
So one thing that drives me nuts, though, about
this is, like you know, in thisbill and just in general, like I
don't understand why averagepeople side with billionaires
and businesses that arebillionaire in quality, right,
so like they're okay, wallstreet getting a bailout, right,
(12:08):
but everybody else, anybodypersonally, it has to be
personal responsibility no,they're not okay with wall
street getting a bailout eventhough, like the personal
responsibility part, the personthat's actually going to affect
your community way more than aWall Street bailout, they're not
okay.
It just drives me nuts.
Speaker 1 (12:23):
But they're not okay with Wall Street getting a
bailout.
If you ask them right, they'renot okay with Wall Street
getting a bailout.
The problem is, wall Street isso big it's like well, who are
you fighting?
Speaker 2 (12:34):
Like you know, there's no individual person
Right.
Speaker 1 (12:38):
There's no Exactly Like who are you looking at
Right, whereas doctors althoughyou know doctors make up a huge
group.
But you can see a doctor, youinteract with doctors, you know
you can touch them, you cansmell them, right Like you can
see doctors and you can have anopinion on that because you feel
(12:59):
like you're just closer to it,right.
And so they're not okay withanybody getting a bailout except
for themselves.
They want the bailout,everybody wants the bailout, and
I don't blame everybody forwanting the bailout.
But the reality is that you, youknow, you've got to realize at
some point that certain things,certain decisions are going to
(13:22):
impact you in a certain way.
And that's all right.
It's not to say, oh, you shouldagree that doctors should get a
bailout or you should agreethat Wall Street should get a
bailout.
I don't care whether or not youagree with that.
I'm just saying understand whatthe consequences are and don't
complain later on because you'vebeen affected.
It's, it's the whole.
(13:42):
Be careful what you wish for,because you just might get it.
And the reality that thereality is right now, the way
that this thing is going, isthat in?
In my vision, if this continuesin this way, where only you
know people who can write out acheck can actually get into the
profession of medicine one,you're going to have a lot of
(14:03):
medical schools closing, that'snumber one.
Because all these rich peoplethat can write a check, I mean
you don't have that many peoplewhose kids want to become
doctors, so a lot of medicalschools are going to be closing,
which, too, means that you'regoing to have even further more
of a physician shortage, right?
(14:24):
Which three basically meansthat you're probably moving in
the direction of a developingcountry, which I've always said,
that this country would love tobe a developing country in some
aspects, and I think thatthat's where you're headed.
Speaker 2 (14:37):
So picture this y'all .
So this means when you graduatefrom college, you're going to
get a coupon book that says yourstudent loans start at the age
of 22, 23.
And that coupon book isbasically going to say you ain't
done till you 54.
Speaker 1 (14:52):
You know that's crazy .
That's the time.
Speaker 2 (14:55):
That's the time when you're supposed to be saving up
for your kids tuition.
That's the time when you'resupposed to be saving up for
your kid's tuition.
That's the time when you'resupposed to be saving up for
your retirement.
So, in essence, you're going tobe having more people reliant
on if it's even going to be outproblem.
So I think a lot of peopleright now are in limbo,
(15:17):
particularly people who wereusing these federal financial
repayment plans as part of likeeither their ability to invest,
their ability to plan for thefuture, even what kind of job
that they're looking at.
The other thing, too, that wehaven't talked about we may have
(15:50):
to say this for another episodeis the insurers for under
Obamacare have all put out thatinsurance premiums are going to
go through the roof startingJanuary 1st.
So it's just all I got to sayis this y'all, it's a different
world, a lot of stuff's going tochange.
Speaker 1 (15:57):
A lot of stuff's going to change.
A lot of stuff is going tochange.
So if you were, if you were meback in when you graduate, 1990
or 2000,.
You graduated from college andthis is what you have ahead of
you.
What would you do.
Speaker 2 (16:13):
I wouldn't do anything differently.
I'll tell you why.
Because if we follow, if Ifollow the path that I just
followed right, which is, guys,we didn't do any income based
repayment, we just paid off allof our debt.
So I just want everybody toknow, like when you graduate,
like now, at least if yougraduate now, the income that
you make being a physicianyou're going to be able to pay
(16:35):
off your student loans.
Speaker 1 (16:36):
OK.
Speaker 2 (16:36):
I don't know how long it's going to take you, but
you're going to be able to payoff your student loans and live
comfortably at the same time.
That's my opinion.
I don't care what anybody hasto say.
You're going to be comfortable,Right?
The question is is how are yougoing to get there?
Are you going to get there?
Well, basically, now you're,you're more than likely going to
have to get there, where you'regoing to have to pay off your
entire student loan debt.
(16:57):
Right, we did Excuse me, that'swhat we did.
The majority of students whoare paying off their student
loans right now are not doingthat.
They're doing it off of sometype of PSLF or income based.
So for me right now, yeah, Ijust be like yeah, I want to get
into med school, I want to be adoctor, I'm going to pay off my
loans because I didn't think ofany other way to get through it
(17:19):
right now.
Right.
But also, at the same time,what I would be more concerned
about is do I have enough creditto get through?
That's where I'd be nervous,right.
So this boils down to guys.
You can go back several,several, I don't know how many
episodes where we talked aboutwhen I put out maximum for my
(17:40):
student loans.
Like I don't know about y'all,but I took out maximum student
loans every year in med schoolbecause I just didn't want to
ask my parents for any money.
I just wanted to make sure thatyou know that I had enough.
And I'll tell you we did notlive luxurious at all.
I didn't live luxurious.
No, I don't know about you,your rent was more than mine,
but I ain't live luxurious 150or 125 dollars more than you was
(18:00):
living in the plaza rightliving no dag on plaza all right
, so I took out.
Speaker 1 (18:07):
Why do you always have to lie about something?
This is what I don't understand.
People, please write in andwrite in to me.
Speaker 2 (18:17):
Don't talk to my audience.
Speaker 1 (18:19):
Write in to me and let him know that his truth is
enough.
His truth is enough, does nothave to, you know, make up
stories, you know, and justexaggerate things.
For you guys to appreciate him.
Speaker 2 (18:39):
Write him because I feel like should I look at the
screen and say so, tell me, whatshould I say?
I feel like, no, you don't needto say anything because I'm
saying it for you my name is DrNidarko and I'm enough, I'm fine
and gosh darn it.
Speaker 1 (18:51):
people like me because I'm good enough.
I'm smart enough and gosh darnit people like me.
Because I'm good enough, I'msmart enough and doggone it,
people like me.
Yeah, that that please writeinto him and let him know.
Speaker 2 (19:14):
All right, so listen guys.
So I took even though I livedlike I lived, we lived.
The house that we, that I livedin was the apartment that I
have was not expensive, but myapartment was what?
Three hundred dollars, threehundred dollars a month right,
renee's was what.
Speaker 1 (19:21):
425 425.
Speaker 2 (19:23):
Which weird.
Speaker 1 (19:24):
I had the washing machine and dryer, you didn't
and, but I had an independenthouse, yeah, with the garage
yeah, yeah, yeah, but I took outthe maximum amount for said
reasons.
Speaker 2 (19:35):
You got to be really careful now you starting from
going into your pre-med years incollege, y'all.
You got to be real strategic.
You got to make sure you'relooking for scholarships.
You got to make sure that youare very smart about this,
because not only the studentloan repayment issue that's an
issue, but there's caps on howmuch you can take out.
(19:57):
That's the problem.
So the Senate, they changed thebill a little bit and they
increased how much you can takeout as a med student.
Speaker 1 (20:03):
Do we know how much that is?
Speaker 2 (20:04):
I think it's like 50 grand.
So if you're in med school, lawschool and I forget what other
profession you can take out morethan somebody else who's like,
for example, let's say you hadsomeone who wants to take
student loans out for a master'sdegree and then you compare
that to someone who wants totake student loans out for a
professional degree okay theirmaximum is like 50k.
Okay, the master's I forget whatit's like, but it's.
(20:25):
It's a difference.
But if you blew your load allin college, you're screwed.
You're going to be screwed.
Speaker 1 (20:34):
I go to them city colleges and them state colleges
, but even then, yeah, them citycolleges, they're still,
they're still like.
Speaker 2 (20:40):
And in New York they think they slick New York.
We know what you're doing.
So New York will basically saywas it free tuition for
everybody?
What do you mean?
Remember New York, the New YorkSUNY schools.
They say free tuition foreverybody.
Speaker 1 (20:51):
No, no, suny is state .
Speaker 2 (20:53):
I know.
Speaker 1 (20:54):
CUNY is city.
Speaker 2 (20:55):
Okay, but for SUNY right.
Okay, remember, kimmy went tolike basically they had a plan?
Speaker 1 (21:01):
No, no, it wasn't free tuition, it was free
housing or something like that.
Speaker 2 (21:06):
No, it was free tuition, but you had to pay for
housing.
Oh was it.
Speaker 1 (21:18):
Yeah, tuition, but you had to pay for housing.
Oh was it.
Yeah, it was something crazy,but the housing is like, oh you
might.
Speaker 2 (21:19):
The housing is mad expensive.
It's like 20k, right.
So I was like, how am I savingmoney?
Yeah, you might be right.
So all I'm just saying iseverybody, you got to be real
strategic.
Nowadays the jig is up.
You're gonna have to bestrategic.
Which uh college you look at,you know gap years now guys, gap
years, post-bac programs,because all that stuff counts.
Right, let's start diying.
All that stuff counts, so it'sjust it.
(21:41):
There's a lot of stuff that'sgoing to change in the next
several years.
Yeah, it's going to change,it's going to be very.
Speaker 1 (21:47):
Yeah, it's going to be much more difficult, um for
students trying to get intomedical school, trying to get
through medical school as well.
Speaker 2 (21:56):
I want to hear from people Seriously, I got, I got
here.
I really I want to know I wantto know if you're, if you are a
resident right now, if you arean attending right now and you
are on this PS, ps LF systemright now and you upset Yo, you
can leave us a voicemail rightin.
Speaker 1 (22:11):
You can leave us a voicemail.
Speaker 2 (22:12):
Write in Shout.
You can leave us a voicemail.
You can even send us a textbecause I want to read it.
Speaker 1 (22:15):
I want to read it on the next show.
You can use expletives too, ifyou'd like.
Speaker 2 (22:17):
Oh yeah, I'm really interested in that.
You know you want to anonymizeyourself you can, if you want to
hear from them too.
Speaker 1 (22:29):
You the people on the other side who are like I ain't
, I want my taxes to pay offthese mugs.
Speaker 2 (22:33):
What do you call it?
Speaker 1 (22:34):
uh, student loans, I want to hear from everybody, so
we'll hear from everybody if youare in support of this, write
us in, send us a voicemail.
Speaker 2 (22:42):
If you're not in support of this and you feel
betrayed, if you feel like yougot, you know whatever, let us
know.
Speaker 1 (22:50):
I want to hear from the potential potential medical
students.
Actually medical students andand potential medical students,
those who are like applying thisyear or got their acceptances
and are just waiting to startschool yeah, team responsibility
versus team broken, brokenpromises.
Speaker 2 (23:11):
That's what I got yeah which side are you on?
Yeah, man, that's, it's a lot.
It's a lot, all right, actually.
So I do have a question for youas somebody who has been
involved in a federal studentloan program in many different
ways.
Right, what do you mean?
(23:32):
You've taken out loans incollege, right?
Okay, you took out federalloans in med school, right?
Speaker 1 (23:38):
Yeah.
Speaker 2 (23:38):
So you're part of the federal student loan program oh
, okay.
Right, whether it's subsidizedor unsubsidized.
Okay, so you've benefited fromthat.
Speaker 1 (23:44):
Yes.
Speaker 2 (23:45):
In some form or fashion.
Speaker 1 (23:46):
right, yes, but you paid off your, your student
loans the traditional way, ifnot an accelerated traditional
way?
Yes, are you split any wayabout this?
I think that people should havethe option of either paying the
way we did traditionally, and Ithink the government should
(24:07):
help to subsidize.
I think that that option shouldexist.
Speaker 2 (24:12):
You mean, there should be forgiveness?
Speaker 1 (24:13):
Yeah, there should be forgiveness.
There should be loanforgiveness.
Just because I, just because I,you know, didn't benefit from
something, doesn't mean thatsomebody else shouldn't benefit
from it.
Right?
Like I can't stand people wholive in society like, well, I
didn't get it, so why doeseverybody else get it?
I'm like that is such a selfishway to go about living.
(24:34):
Right, because there's alwaysgoing to be.
There's always going to be,whether it's student loans,
whether it's, you know, somebodywant a new car, whether it's,
you know, whatever it is, thereis always going to be someone
who benefits from something thatyou didn't benefit from.
Shoot, the person in front ofyou can have a coupon that you
didn't have for the same damnproduct that you have at the
(24:57):
supermarket.
Now, all of a sudden, thisperson should pay full price,
like, for me, this just doesn'tmake sense.
Speaker 2 (25:03):
Like, how do?
Speaker 1 (25:03):
you live in a society with that kind of thought
process.
Speaker 2 (25:07):
So what do you think is going to?
I think the worst one will benot the PSLF, not the income
based repayment.
The issue will be the caps onhow much student loans you can
take out.
I think that's going to be thebigger issue because I think
that's going to turn people offmore.
That basically is, if you wantto talk about gatekeeping, that
is as obvious and you won't beable to even get as gatekeeping
(25:30):
as you can get with that.
So that, for me, is the biggerissue.
Um, I think for doctors inparticular, you're going to be
able to pay off your studentloans, however it can be.
It's going to be more of aproblem for those because you
remember, like two years ago,three years ago, we were at aoa
and there was a student who wasgraduating with 400 400 000
(25:50):
student loan debt.
That's crazy.
Speaker 1 (25:54):
That's crazy.
So, yeah, I don't know.
But yeah, I think the caps aregoing to be much more of a
problem, because that's going tobe the thing that determines
whether or not you can even getthrough the door.
So you'll have an acceptance inyour hand and then they'll say,
hey, pay this tuition.
And you'll be like I can't, andif that's it Right.
(26:19):
So you know, yeah, I agree withyou that that's going to be
more of a problem.
But, going into the nextsegment, let's talk about kind
of what you discussed, and thatis that as a doctor, you might
be able to make more on TikTokthan you would being able to
work as a doctor.
(26:40):
We kind of talked about that ina previous episode.
We're going to revisit thatagain in the next segment.
So stay tuned.
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