Scientific Advisory Board

Research that empowers doctors to achieve financial stability, independence, and fair access to credit.

Build your wealth faster by applying financial inside tips provided by fellow doctors at Doc2Doc.

Doc2Doc Scientific Advisory Board is a group of physician researchers who study the financial realities unique to doctors. Their work educates doctors about their unique financial journey.

Advisors Dr. Wael Saasouh and Peter Palumbo MD/MBA candidate contribute clinical content and research.

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Mission & Overview

The Scientific Advisory Committee (SAC) is a collective of physicians and clinician-scientists dedicated to advancing research on the financial realities of medical professionals. Through data-driven studies and peer collaboration, the committee explores how factors such as training debt, credit access, and career stage affect physician wellness and professional growth. 

Our mission is to produce credible, publishable research that informs the broader medical and academic community, promotes financial literacy within healthcare, and drives evidence-based understanding of physician financial health. 

Each member brings clinical expertise and scholarly rigor to projects that examine how economic stress intersects with physician burnout, work satisfaction, and patient care outcomes. The committee’s goal is to create an enduring body of research that empowers physicians to thrive professionally, personally, and financially throughout their careers.

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Meet the Committee

Chair, Scientific Research Committee
Anesthesiologist, Detroit MedICAL CENTER

Research focus:

Physician wellness, credit access, and debt equity among clinicians.

Co-chair, Scientific Research Committee
MD-MBA Student at Dartmouth

Research focus:

Financial well-being, debt burden, and credit access among pediatric physicians.

Research Outputs & Publications

2025 AAP Conference - Poster Presentation

“Financial Wellness in Pediatrics: Cross-Sectional Analysis of U.S. Physicians” 

Presented at the 2025 American Academy of Pediatrics Annual Meeting. 

Manuscript in Preparation

“Physician Credit Trajectories and Early Career Stress” – To be submitted, Q1 2026.

Abstract Presentations

Case Studies from Our Advisors

Case Study 1

Financial Wellness in Medicine

Study population 3,843 physician borrowers.
Key findings:

  • Median FICO for attending physicians 712, below the U.S. average despite higher incomes.
  • Primary care physicians had lower scores than specialists.
  • FICO scores remained stable even after 30 years in practice.
  • Debt burden and stress contributed to physician attrition.
Case Study 2

Physicians as Borrowers

Cross sectional study of 1,667 borrowers.
Key findings:

  • Attending physicians had stronger FICO scores than trainees across regions.
  • Credit card consolidation was the most common borrowing reason.
  • Trainees frequently cited relocation expenses and limited credit access.
  • Financial strain was highest during training years.

Case Studies from Our Advisors

Case Study 1

Financial Wellness in Medicine

Study population 3,843 physician borrowers.
Key findings:

  • Median FICO for attending physicians 712, below the U.S. average despite higher incomes.
  • Primary care physicians had lower scores than specialists.
  • FICO scores remained stable even after 30 years in practice.
  • Debt burden and stress contributed to physician attrition.
Case Study 2

Physicians as Borrowers

Cross-sectional study of 1,667 borrowers.
Key findings:

  • Attending physicians had stronger FICO scores than trainees across regions.
  • Credit card consolidation was the most common borrowing reason.
  • Trainees frequently cited relocation expenses and limited credit access.
  • Financial strain was highest during training years.

Get Involved & Stay Informed

Apply for our Doc2Doc Scholarship

Scholars receive $2,000 scholarship cash prize and three 30-minute Mentorship Sessions with our Scientific Advisory Committee.

Why This Matters

Traditional credit systems often miss the context behind physician finances. Despite strong earning potential and dependable repayment behavior, doctors are penalized by narrow metrics like FICO.

Our advisors’ research supports the Doc2Doc mission to design lending built for doctors and their career paths.

Contribute to Our Research

Interested in collaborating on physician financial research? 

Complete our brief form to share your background.

Our Unique Approach

Doc2Doc underwriting considers:
We lend with the doctor context in mind. Built by doctors for doctors.
Frequently Asked Questions

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A physician led committee that studies physician finances and informs Doc2Doc lending approach.

Most lenders rely on FICO without considering career stage, training debt, and income trajectory.

Insights from the committee shape underwriting rules and improve access to fair credit for doctors.