I was saddled with £354k debt after becoming a doctor – thanks to three clever tricks I paid it off in just three years
A SELF-STYLED “pretty doctor” has revealed how she cleared £354k of debt in just three and a half years.
Doctor Medina Culver lived by three strict rules to clear the huge debt she was saddled with after studying medicine at university.
She said: “So many people just pay the minimum payments on student loans and just accept they will live with them for 20 plus years.”
The practising family medicine doctor, who is in her 30s, argued that people’s belief that a long-term strategy to clear off debt is the best way to do so is “not true”.
She explained in an Instagram post: “I paid off my medical school loans in three and a half years with these simple rules.
“Rule 1: don’t accept an initial starting salary. Negotiate. You know what you bring to the table and deserve more!
“Rule 2: Start a side hustle, or two, and live off just those incomes!
“Rule 3: only buy what you NEED. Not what you want. We all want those luxury items, to travel, to buy a new car.
“Don’t do it until your loans are paid off. Reward yourself then for working hard.”
Dr Culver is based in Nevada, US and also takes on social media work and partners with medical brands for supplementary income sources.
However, becoming a doctor was no straightforward feat for her.
The social media personality was told she was “too pretty” to go into medicine but she insists that she wants to use her brain to make a living.
She was also told that “as a female she should focus on building a family and getting married before a career”.
Dr Culver didn’t listen to any of her critics and has previously said: “We are constantly surrounded by people telling us what we can’t do.
“Guess what… stop listening to them.”
The blonde medic applied the same philosophy to paying off her student debt and is now hoping to inspire others to use her rules to improve their financial situation.
One person responded to her post: “That’s great advice for anybody with tough finances.”
A second penned: “Words of wisdom.”
Dr Culver has an impressive 107,000 followers on Instagram where she shares both career advice and glimpses into her life.
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