strategies for residents, fellows & early-career Doctors
Let's Build A Plan Together
With 20+ years of experience
advising thousands of physicians, residents, and medical students, we understand the confusion and stress caused by
student loans— especially in today’s climate of shifting policies.
But your situation is unique. That’s why we deliver strategies that replace the unknown with clarity — and action.
Strategies that Work. Relief you Feel.
We reject the cookie-cutter approach.
We deliver personalized, strategic solutions tailored to your specialty, timeline, and goals. No generic calculators.
No one-size-fits-all plans.
Whether you’re:
- Pursuing Public Service Loan Forgiveness (PSLF),
- Weighing repayment timelines and total costs,
- Considering refinancing, aggressive payment,
- Or just trying to breathe again after med school.
We'll help you manage your next chapter in medicine.
Your Student Loans shouldn’t
control your Future — you should!
About White Coat Student Loans
Founder, Nicole Knight, MBA, National Student Loan Strategist for Physicians
For over 20 years, I’ve helped doctors turn student loan confusion into clear direction.
Before launching White Coat Student Loans, I spent 15 years with the Association of American Medical Colleges (AAMC) as a Senior Education Debt Management Specialist, working directly with
MD and DO-granting medical schools across the country. Adding to this, I was previously an executive with Sallie Mae, guiding students and institutions in every discipline and at all levels of higher education through the ever-changing landscape of student loan management.
The student loan landscape shifts so often, the only thing you can count on is change itself.
I’ve had the privilege of speaking at the nation’s most prestigious institutions — including Harvard, Stanford, Yale, UCSF, Johns Hopkins, and NYU — as well as countless other great institutions in higher education that are actively producing the future of our country's healthcare.
I’ve guided thousands of future physicians through the maze of student loan repayment, turning uncertainty into strategy and stress into clarity.
Our Purpose
Today’s student loan environment is nothing short of chaos. With constantly shifting policies, new forgiveness programs, and misinformation everywhere, most borrowers are stuck in a state of confusion, despair, and uncertainty.
I created White Coat Student Loans to give physicians the strategic support they deserve. Whether you’re pursuing PSLF, exploring alternatives to SAVE, or not sure what to do next— I can give you a personalized repayment strategy based on your income, career path, and life goals.
After our session, you won’t just have a plan — you’ll have peace of mind.
📍 Let’s replace the unknown with clarity.
