Whether and How to Pay Off Debt
as an Early-Career PhD
Taught by
Dr. Emily Roberts
You're in debt. Who isn't?
Whether it's student loans, credit cards, a car loan, medical debt, or a mortgage...
But what should you do about it as a graduate student, postdoc, or PhD with a "Real Job?"
Should you pay it off aggressively? Pay the minimum until the term runs out?
There is no one-size-fits all solution to how to pay off debt.
In this workshop, you will create your individualized debt repayment plan that takes into account your PhD career path.
What You Will Gain from This Workshop
A clear plan for which order to tackle your debts (recorded in a template spreadsheet)—and when to prioritize other financial goals
Specific strategies for minimizing interest paid on debts by type (e.g., credit cards, student loans, mortgage, etc.)
Insight into the federal student income-driven repayment options and how to determine if you should pursue one
References to the best calculators and tools for debt repayment projections
Confidence in your decision to pay off debt or not during grad school
Strategies to keep you motivated through a long debt repayment process
What to Expect from the Workshop
This workshop is a recording of a live event presented on 8/27/2021 plus supplementary worksheets and a spreadsheet. You will receive immediate access to these materials upon purchasing the workshop.
What Is the Cost?

The price of the workshop is $50 $28.

Who Is This Workshop for?
  • Graduate students, postdocs, and PhDs with "Real Jobs"
  • Living in the US [US citizens, residents, and non-residents are all welcome!]
  • In debt and able to pay above the minimum if you so choose
Who Teaches the Workshop?
I'm Emily Roberts, the founder of Personal Finance for PhDs and creator of this workshop.

I started out on the PhD track just like you are. I completed my PhD in biomedical engineering at Duke University in 2014 after living for seven years on a stipend.

During that time, my passion for personal finance grew and grew, as did my desire to serve my own community.

I founded my business, Personal Finance for PhDs, after I defended. Over the years, I've found many avenues to assist PhDs with their personal finances, including speaking engagements at universities, individual and group financial coaching, webinars and workshops, ebooks, and my podcast.
What Participants Have Said About
Emily's Other Live Seminars and Workshops
– a graduate student at the University of California at Davis
"This is an amazing experience for students. We NEED this!"
– a graduate student at Case Western Reserve University
"Emily [is] an amazing speaker! Clear and concise. The outline/flow of the talk was very well structured and simplified finances well."
– a graduate student at the University of California at Los Angeles
"[Emily] was very knowledgeable and practical which made a difficult topic so much more approachable."
– a graduate student at the University of Alabama at Birmingham
"[I] would have loved to go to this seminar earlier on in my graduate career!"
– a graduate student at Emory University
"Extremely helpful and demystified many aspects of personal finance for me. [The seminar] also improved my confidence to manage my finances through grad school and beyond."
– a graduate student at Pennsylvania State University
"I found [the talk] very informative and it has inspired me to think about my own financial circumstances differently."
– a graduate student at the University of California at Santa Barbara
"The speaker was very knowledgable about the subject and lots of info was covered."
– a graduate student at the University of California at Davis
"I like how [Emily] makes her points very convincing by sharing her own experiences in personal finance. I also like her approach of giving us some big picture view."
– a postdoc at Columbia University
"The talk was nicely tailored specifically for the needs and mindset of graduate students, and did a good job addressing different financial concerns that graduate students may have."
– a graduate student at the University of Rochester
"Very informative. [Emily] covered a broad range of topics, made them applicable and understandable, and was a very engaging speaker."
– a graduate student at the University of Alabama at Birmingham
Frequently Asked Questions
Will the workshop be recorded? I have a conflict.
While this workshop is intended to be experienced live, there are always unavoidable conflicts for some people who want to participate. Yes, I will record the workshop and share the recording and materials with everyone who registers within a few days of the live session.