MtoM #215: Dentist Pays Off HPSP Contract and Finance 101: Credit Scores
Mar 24, 2025
A dentist shares insights from his journey completing an HPSP contract, discussing both the ups and downs while celebrating his financial success. He reveals personal growth and unique experiences in military dentistry. The conversation then shifts to the essentials of credit scores, comparing them to an adult GPA and clarifying common myths. Listeners learn about responsible credit management and the importance of regular credit report reviews. The episode also highlights the free educational resource, Locumstory.com, for navigating locum tenens opportunities.
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question_answer ANECDOTE
Paid School With Service And Exited Early
Stephen took the HPSP scholarship and served a one-year residency then four years active duty to repay it.
He used saved terminal leave to exit slightly early and return to civilian practice.
question_answer ANECDOTE
Adventure And Training In Uniform
Stephen enjoyed unique military experiences like jumping with the 82nd Airborne and humanitarian work in Africa.
He valued the training and lifelong friendships gained while serving.
question_answer ANECDOTE
Frustrations With Station Life And Training
Stephen disliked living at certain duty stations and the supply limitations affecting patient care.
He found field training disruptive to personal life because of sudden, long exercises.
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Today we are talking with a dentist who is completing his HPSP contract. He shares with us the positives and the negatives of his four year contract. He said he definitely came out ahead financially going this route and he is very excited to complete his contract and move forward with his career. For finance 101 we will be talking about credit scores.
Full disclosure, the following is a sponsored promotion for Locumstory.com. But the weird thing here is there’s nothing they’re trying to sell you. Locumstory.com is simply a free, unbiased educational resource about locum tenens – it’s not an agency. They simply exist to answer your questions about the how-to’s of locums on their website, podcast, webinars, videos, and they even have a locums 101 crash course. Learn about locums and get insights from real-life physicians, PAs and NPs at Locumstory.com.
The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you!
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