A doctor’s career can be segmented into three phases:

Borrowing money may become necessary, for different reasons, in any or all of these phases. These are the common stories we have heard and seen for why doctors borrow money in each of the three phases:

Learn
Borrow Money in the School Years
Initial housing outlay – first month rent, last month rent and security deposits
Down payment on a home (when it beats renting)
Car purchase or repair costs

Grow
Borrow Money in the Training Years
Childcare expenses
Moving expenses (when it can’t be negotiated in an initial employment agreement)
Oocyte cryopreservation


Work
Borrow Money in the Practicing Years
Unexpected emergency expenses (that exceed your personal emergency fund)
Home improvements (when saving beforehand is not possible)
Career development


Should I borrow money?
The first question to ask when considering whether to borrow is: “Can I do what I need to do without additional debt?”
If the answer is “no”, then Doc2Doc can help you get to where you need to be.
Applying for pre-approval through Doc2Doc will not impact your credit and will provide you with a preliminary interest rate. After receiving your pre-approval, you should have the information necessary to know if a Doc2Doc loan is right for you.
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