 What's up you guys, Sedona? Welcome back to my channel. Thank you guys so much for joining me today So I'm going to talk to you guys about how to pay off your loans after you've gone to PA school So typically most PA students will get some form of a loan That loan may be like a personal loan from a family or friend It may be a private loan from an actual like bank or a federal government loan And typically that is how PA students pay for school because you're not working usually when you're in PA school Unless you're going to one of those like three-year programs that are actually part-time or you know A hybrid program or something where you can actually still work. There are those options But for the majority of us we get loans and so what are we gonna do? Your loan can be anywhere from like $50,000 plus dollars for your PA program like the full two years mind you which is significantly cheaper than Actual med school so that is a plus, but you still have to pay for it So how are you going to do that? I have three ways that I think are beneficial that you might want to look into that you can actually pay for your PA school Schooling so the first way is going like getting a job that has loan repayments So most jobs offer this at least most of the jobs that I were offered offered a loan repayment And you like you had to stay a certain amount of time like it varied from job to job obviously But after a certain amount of time like on the job They would start paying back your loan which is a plus because that is something that you don't necessarily have to pay For your working you're getting paid. You're loving your job as a certified PA and you're paying off your debt all at the same time So I think that that is a really good option for most of us And that's really the route that the majority of us do take which is getting a job That does some form of loan repayment and there are a plethora of them out there You just have to like search for them really and truly so once you've graduated And you know you've passed your pants and become certified in your whole actual like applying for a job You can also negotiate this as well So even if your job doesn't necessarily offer loan repayment that might be something that you might be willing to Negotiate into your contract if they are paying you like a less than the national average So you can be like, okay Well, you know, this is what the market says for my particular position However, you're offering this so can you also do loan repayment and that is really a good option Another one is getting a loan forgiveness program. So there are many loan forgiveness programs out there and again, it's really not like I mean like It's it's loan forgiveness, but at the same time It's loan repayment if you're like giving back your time. So like those like national health core Scholarships, I guess you could say those programs where you work in an underserved community for like two years or three years And you give them back your time and they will pay off all of your student loan and debt And you like that that's like one of the best things you could possibly do Especially if you were already interested in working in an underserved community So there are those programs out there You really just have to like Google them look into them like for the healthcare professional and specifically for PA school or PA For PA students you can type that into Google as well and they will pop up those you do typically have to apply for But I mean, it's better than not applying for anything at all And then just ending up with a lot of debt that you're paying out of pocket Out of that new check that you're gonna be getting as a PA So those programs are very very beneficial to those that are looking at actually giving back their time to a particular area or a city or or State when you're actually working as a PA. So that is a second option for you The last option that I think Everybody really can do or like actually like put a little bit to play a part in this is live below your means So for some students, you know You're still able to like go home and live with your parents and if you're able to do that Then that is a great option for you because then that way you can actually like live well below your means you can still pay your parents rent of course and Then save up money to actually pay off your loan in a much quicker fashion depending on how much money you borrowed Obviously that will take less time if you borrowed less money or more time if you borrowed more money But you can work that out in terms of how much you're trying to save and how much you're trying to spend Another option is just really like if you are, you know, married and truly like Adulting with kids and stuff. You can still Live well below your means, you know Get a little like a one bedroom Apartment or two bedroom apartment depending on if both you and your spouse are working You can literally like bank all of your check to pay off the loan while you live off of your spouse's check Or vice versa depending on who makes more money You can bank the other person's check to pay off the loan and then that way that's one less debt that you actually have to pay As you as the years continue on and then you can do a vice versa Depending on if your spouse also has like student loan debt or something along those lines But living below your means although it may be difficult for some people to do because you're like man I just got this new job. I'm making some money Like I was poor all in PA school now I can actually like live my best life You know, you might want to like go ahead and spend that money But I think that it would be important for you to realize hey Like I will be in a better position in the years to come if I'm able to get out of that a lot sooner So those are my three options my three tips for you all If you haven't already thought of them If you have some tips that you've thought of that I didn't mention because I only mentioned three leave them in the comment Section below so that we can all read them and see Also, if you have any questions or comments from me leave them in the comment section below as well Follow me on Instagram. Thank you guys so much for watching like this video. I will talk to you guys next time