GBU S2-E22: Crushing $185K: How a Physical Therapist Can Become Debt-Free in Under 5 Years Artwork

Physical Therapy: The Good, The Bad and The Ugly

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Physical Therapy: The Good, The Bad and The Ugly

GBU S2-E22: Crushing $185K: How a Physical Therapist Can Become Debt-Free in Under 5 Years

November 17, 2025 • Joe Klein • Season 2 • Episode 22

In today’s episode, we dive deep into one of the biggest challenges facing new physical therapists: massive student debt. With the average PT owing around $185,000, the pressure can feel overwhelming—but what if becoming debt-free in under five years was actually possible?

Join us as we break down the exact strategies I used to pay off six-figure loans fast without burning out or sacrificing their quality of life. We explore smart how from outpatient PT to travel along with, side-hustles that actually fit a PT’s lifestyle, how you have to have the right mindset shift that separates the therapists who struggle from the ones who succeed.

Expect actionable numbers, honest conversation, and a step-by-step roadmap you can start applying today.