Optimizing cash flow, maximizing practice potential.
Dr. Sharma's aggressive student loan repayment plan significantly restricts her cash flow, hindering her ability to invest in essential upgrades for her practice, such as new medical equipment and marketing initiatives. While she's diligently maxing out her 401k and backdoor Roth IRA, her practice's growth potential is being stifled by the heavy debt burden. She needs to determine the optimal balance between debt repayment and practice investment.
Using the Deferred Payment Loan Calculator, Dr. Sharma explored various deferral scenarios. By strategically deferring payments for two years, she identified the potential to free up $60,000 annually, allowing her to invest in new equipment and marketing, projected to increase revenue by 15% within those two years. Utilizing the Student Loan Calculator, she also analyzed the long-term impact of the interest accrual during deferment, ensuring it aligned with her overall financial plan. The Student Loan Forgiveness calculator was used to rule out forgiveness as a viable plan. She also considered refinancing after deferral.
The Deferred Payment Loan Calculator enabled Dr. Sharma to quickly model the impact of various deferral periods on her cash flow. The Student Loan Calculator and Student Loan Forgiveness calculator provided critical data for informed decision-making about her debt repayment strategy.
$120,000 freed up over two years for practice investment, projected to increase revenue by 15% annually.
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