Medical school already costs an arm and a leg.
Don’t let your student loans claim your health and happiness too.

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According to the Association of American Medical Colleges, 75% of physicians graduate with an average of $190K in student loans. That’s some serious debt, but in reality, many physicians have much more—$250K, $450K, even $650K. If you’re a physician with six-figure student loans, you may have felt:

Frustrated that your loan payments eat up such a large percentage of your paycheck
Alone and overwhelmed in tackling this seemingly insurmountable obstacle
Trapped in a dark tunnel with no light at the end
And perhaps even a little disillusioned about being a physician at all

You need to take back control of your student loans—and your life.

Navigate Can Help

We specialize in student debt repayment for physicians, pharmacists, and other healthcare practitioners. We’ve worked with thousands since 2009. And with our help, about 90% of them reduced their student loan debt—usually between $40K and $400K. In just 60 minutes. Those are some serious returns.

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GET STARTED

Our process is simple:

Free Review
In a free initial call, we review your student loan portfolio and repayment plan.

If everything is set up correctly and on track, we’ll give you a high five and send you off to celebrate.

If we see ways to save you money, we’ll let you know. You pay a one-time fee to continue working with us. This fee includes your partner if applicable.
Personalized Plan
We develop a simple, step-by-step plan to help you gain control of your student loans. We know all the nuances to consider and the pitfalls to avoid. Our custom-built calculator analyzes multiple scenarios at once, and the results clearly lay out which repayment plan is the best for you.

You make the changes with your loan servicer—with our help if you need it—and you go on with your life. It’s as simple as that.
Unlimited Support
From then on, we’re always in your corner. If you receive a confusing letter from your loan servicer two years down the road? No problem. We’ll jump on the phone with you and the loan servicer to resolve any issues—for no additional cost.

GET STARTED

“Navigate was extremely helpful. I had been so overwhelmed by my massive student debt, but Navigate helped me make some major changes to my loans. I’ve since consolidated and have a repayment plan. Joy helped me to feel confident in this plan, as we discussed several options.”

Dr. Elena Aragona

"You're like a dream come true. I used to think: if only there were a person who could help me understand my student loans and tell me how I can best repay them. Then I went to a conference, and there you were! I wish I'd met you years ago. Navigate gave me a detailed, step-by-step plan to deal with my student loan debt, which has helped me feel confident and prepared for my future."

Dr. Haley Bittner

"I am so glad Navigate helped me figure out how to handle my student loan debt! I feel so much better knowing that I have a professional giving me advice with my particular situation. Scheduling check ins with Joy is so easy. She’s helped me stay on track by reminding me of the documentation I need to continue to qualify for the Public Service Loan Forgiveness program. I highly recommend using Navigate!"

Dr. Evie Eakin

"Our strategy of continuing to press them [loan servicer] and not accept some skipped payments here and there to get the timing “back on cycle” will easily pay off in thousands of savings for me. A smashing success. As it stands now, I now have 1.5 years left until I reach the 10 years."

Dr. Jeff Gordon

“Joy and her team did an excellent job helping me pick the right loan repayment program for my individual situation and were available to answer all of my questions throughout the process”

Dr. Nick Feo

"Thank you so much. I really appreciate your time. You always get on the phone when I have a question."

Dr. Priya Arcot-Joshi

"Navigate provided a nuanced approach to my particular student loan scenario. The consultation was easy and transparent and provided me with a sense of confidence. I recommend Navigate to those who feel overwhelmed or confused by their student loans."

Dr. Matt Smith

"We just wanted to say thank you again for your time and for affirming that what we are doing is going to work. We really appreciate you crunching some of those numbers, and showing us that our REPAYE payments really won't change hardly at all. That has been a big worry for us, but seeing the numbers with you we are super excited to keep working to getting these all paid off :) The world needs more people like you."

Dr. Kolten Astle

Roseman University College of Dental Medicine

“As a new attending physician, I was overwhelmed with the loan repayment options. Joy is so knowledgeable and patient, she has been able to guide me through the entire process. My monthly payments will go down by over two-thirds and in the end, over half of my loans will be forgiven. The amount of stress she has taken off my mind is priceless.”

Carrie Kohlhapp, DO

Virtua Health System

"Thank you so much for taking the time to work with us and provide your advice. It was, of course, very informative. I am looking forward to interviewing with several clinics in the coming months, so I may have some more concrete numbers to work with at that time. I will reach back out to you when I do."

Laura Barbour, DO

University of Maryland Medical Center, MD

"Thank you so much for your guidance today! It was a pleasure talking to you. Thank you for helping me understand my loans and guide me through how I can get the most out of the PSLF program."

Vidur Tangri, MD

Anne Arundel Medical Center, MD

“It’s a small price to pay for peace of mind”

Nicholas Scott, MD

MetroHealth Medical Center, OH

"Thank you for the amazing phone conversation yesterday. I truly appreciate you spending the time to look at all avenues in order to have the best payment plan as possible. Thank you again for being part of my residency journey."

Michelle Green, MD

FMEC Member

"Joy walked me through the process of understanding and applying for a federal loan consolidation and being a part of the Public Service Loan Forgiveness Program. I felt that she was extremely nice, helpful and patient with me. I have referred many of my friends and co-workers to speak with her to also understand their options."

Shakil Hafiz, DO

Avera-McKennan Hospital and University Health Center

"Before I talked to Navigate, I felt frustrated by the confusing paperwork and lack of straightforward information related to repayment timelines for my student loans. After I talked to Joy, I felt as though I could begin to navigate through the student loan payback process in a confident direction, knowing that I was making the smartest financial decisions I could."

Audrey Kopp, RN

Hennepin County Medical Center

"I recently felt overwhelmed by my student loans, but Navigate gave me a deeper understanding about my payment options. Jon was very thorough and now I have a plan that makes my debt seem more manageable and should save me a lot of money."

Mark Bostrom, MD

HealthPartners, MN

Your investment for unlimited support over the lifetime of your loans is a one-time payment of $1000. No ongoing costs. No hidden fees.*

The best news? There’s absolutely no risk. The initial call is free. And we offer a money-back guarantee: if you don’t save more than $1000 on your student loans, we will refund our entire fee. So there’s absolutely nothing to stop you from getting a second opinion on your student loans.

*Navigate partners with health systems and professional associations to offer free or reduced cost consultations to employees and members. Check with us to see if you may qualify for a discount. Tailored Student Loan Advice is available to medical residents for $395.

You Have a Life to Live

So lean on our expertise.
And get out there to live it.

GET STARTED

Medical school already costs an arm and a leg. Don’t let your student loans claim your health and happiness too.

You need to take back control of your student loans—and your life.

Navigate Can Help

Our process is simple:

Your investment for unlimited support over the lifetime of your loans is a one-time payment of $1000. No ongoing costs. No hidden fees.*

You Have a Life to Live

So lean on our expertise. And get out there to live it.

Medical school already costs an arm and a leg.
Don’t let your student loans claim your health and happiness too.

So lean on our expertise.
And get out there to live it.