{
  "version": 3,
  "sources": ["ssg:https://framerusercontent.com/modules/KOMjIegJRyoLHJ8zKdzm/ORq9VO106nKmLSTs7kxE/qyTowMeDG-2.js"],
  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{Link as a}from\"framer\";import*as n from\"react\";export const richText=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The pandemic has made it clear that healthcare professionals are the nation\u2019s caretakers. You work long hours and in stressful situations just for the chance to help someone else. But who\u2019s taking care of you?\"}),/*#__PURE__*/e(\"h2\",{children:\"Healthcare professionals & debt \"}),/*#__PURE__*/e(\"p\",{children:\"A majority of  workers \u2014 52% to be precise\u2014 say they are constantly stressed about their finances, but then you as a healthcare professional have the additional burden of high stress and burnout. The stigma around discussing money challenges is real \u2014 but avoiding the topic can keep you from seeking help when you need it the most.\"}),/*#__PURE__*/e(\"h3\",{children:\"The likely cause of your financial stress? Debt.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Everyone thinks working in healthcare equals a high-paying, stable job. But only you know just how much debt you take on to get there. You likely graduated with large amounts of student loan debt, only to then bring in a relatively low income during your early years, turning to credit cards to cover your expenses.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DCombine these two factors together and you get a high-income, high-debt situation: On average, one-third of your income goes towards debt payments.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DDebt makes it almost impossible to move forward in life. Almost one in three healthcare professionals delayed saving for retirement, 18% said they delayed buying a home, and 15% said they delayed getting married and having kids \u2014 all because of their debt.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"So if you are among the 70% of healthcare professionals carrying debt, how do you get out of the debt trap?\"}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s break down three simple things you should know to change your relationship with debt to eventually eliminate debt and start building wealth.\\xa0\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Know the difference between \u201Cgood\u201D debt and \u201Cbad\u201D debt\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Understand that debt affects your credit score but not all debt affects it equally\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Recognize that credit card debt is the worst form of debt\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"1. What is good debt and bad debt? \"}),/*#__PURE__*/t(\"p\",{children:[\"Debt comes in many forms, and\",/*#__PURE__*/e(\"strong\",{children:\" isn\u2019t created equal.\"}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"\u200DYou\u2019ve probably heard of \u201Cgood\u201D debt and \u201Cbad\u201D debt. But whether debt is good or bad depends mostly on how you use the money. Student loans are often considered \u201Cgood\u201D debt, as they will typically lead to higher-paying jobs. A common example of \u201Cbad\u201D debt is credit card debt, since the debt is used to buy things that don\u2019t appreciate in value. But at the end of the day, debt is debt, and debt doesn\u2019t come free.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DWhen you take out any loan, you\u2019ll typically be charged an interest rate, which is what the lender charges you for borrowing the money. The higher the interest rate, the more you\u2019ll pay over the course of your loan. Even a small percentage difference can vastly impact the amount you owe.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"\u200DAPR\",/*#__PURE__*/e(\"strong\",{children:\", \"}),\"short for annual percentage rate,\",/*#__PURE__*/e(\"strong\",{children:\" \"}),\"is the cost of borrowing money with your credit card. If you don\u2019t pay off your balance by your card\u2019s due date, your card company can charge you interest on the unpaid amount.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"\u200DHow do interest rates work in action? For example, if you borrowed $200,000 in student loans at the average 5.28% interest rate and paid it off in 10 years, you would pay $257,855 in total over the course of your loan \u2014 almost $60,000 of that would be just in interest.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DAs a simple rule of thumb, consider debt that has an APR less than 6% to be \u201Cgood\u201D debt. This could be student loans, mortgages, auto loans. We would suggest paying them according to the payment terms. In turn, your focus should be on paying off \u201Cbad\u201D debt.\"}),/*#__PURE__*/e(\"p\",{children:\"\u200D\u201CBad\u201D debt is anything that is over that 6% APR. They are wealth killers and you typically should pay them off as quickly as you can.\"}),/*#__PURE__*/t(\"h2\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"2. How debt affects your credit score:\"})]}),/*#__PURE__*/e(\"p\",{children:\"\u200DDebt doesn\u2019t just affect your monthly budget \u2014 it has a direct impact on your credit score, a number that plays a huge role in determining your financial health.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"There are a number of factors that go into your credit score. But the biggest factor is something called credit utilization, or how much debt you\u2019re carrying each month. If your monthly credit card and student loan payments take up too large a percentage of your income, you may not qualify for a mortgage or other important loans.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DNot all your debt affects your scores the same way. Credit card debt specifically is the worst \u2014 the higher your credit card balances, the more it hurts your credit score.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DLower credit scores also often mean higher interest rates for future loans. What\u2019s more, you may pay more for homeowners and auto insurance, or may not qualify for a specific credit card. Some employers even run a credit check before offering you a job.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DBasically \u2014 your credit score dictates much of your livelihood. And in such a high-stress, time-consuming job, the last thing you want to be thinking about is that nine-digit number.\"}),/*#__PURE__*/t(\"h2\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"3. Credit card is the worst kind of debt:\\xa0\"})]}),/*#__PURE__*/t(\"p\",{children:[\"\u200DCredit card debt is the worst kind of debt, especially for healthcare professionals. Credit cards come with \",/*#__PURE__*/e(\"em\",{children:\"very \"}),\"high interest rates \u2014 in some cases up to 25-30% \u2014 and carrying a balance on your credit card can add hundreds (or thousands) of dollars in interest to your bill over time. It\u2019s one of the easiest ways for healthcare professionals to fall into a debt cycle.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"\\xa0In fact, 13% of graduating medical students carry an average of $5,000 in credit card debt. This rises while in training, with 26% of physicians carrying credit card debt.\\xa0\"}),/*#__PURE__*/t(\"h3\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"Dealing with debt as a healthcare professional\"})]}),/*#__PURE__*/e(\"p\",{children:\"\u200DNow that you understand how your debt works and where it comes from, it\u2019s time to make a plan to pay it down.\\xa0\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"\u200DWhere can healthcare professionals get help with their debt?\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DMost financial institutions build debt products for an average consumer, and don\u2019t take into account the specific financial situation many healthcare workers find themselves in. And because you have debt, by default they charge you above average interest rate or dont qualify you for a consolidation loan, even though you are a lot more responsible with money than an average consumer.\"}),/*#__PURE__*/e(\"h2\",{children:\"\u200DAnd that is why Plannery exists.\"}),/*#__PURE__*/t(\"p\",{children:[\"\u200D\",/*#__PURE__*/e(\"em\",{children:\"Plannery designed a debt consolidation product exclusively to help busy healthcare professionals eliminate debt quickly and efficiently. We know that your credit score is not a true representation of how you responsibly handle money. So we offer below-market rates you can\u2019t find anywhere else, with an APR that is sometimes 50% lower than competitors.\\xa0\"})]})]});export const richText1=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"As a healthcare professional, the past two years have been nothing short of stressful and turbulent. And while the government is still scrambling to address the burnout crisis in the healthcare profession, the 2020 CARES Act did offer some relief through student loan forbearance. \",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"For the past two years, you\u2019ve been able to put some of your financial stress around debt aside and focus on taking care of others.\\xa0\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"But student loan payments are expected to resume in September, and you may be facing down tens of thousands of dollars in payments. What\u2019s more, you may have received a report that your payments are significantly past due \u2014 despite qualifying for forbearance \u2014 which affects both your credit and overall finances.\\xa0\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"You\u2019re already experiencing extreme burnout. The last thing you need is to worry about your finances taking a hit over something you didn\u2019t do. Here\u2019s our breakdown on how student loan forbearance works for healthcare professionals \u2014 and what you can do about it.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"How federal student loan forbearance typically works\\xa0\"})}),/*#__PURE__*/e(\"p\",{children:\"Student loan debt is a massive financial issue for healthcare workers, affecting 80% of graduating medical students. Of the total $1.6 trillion in federal student loans, around $150 billion is for outstanding healthcare school loans. Nearly all of those loans have all been stuck in forbearance.\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DStudent loan forbearance, a type of deferment, allows you to temporarily stop making payments on your loan. Forbearance is different from forgiveness \u2014 while forbearance programs only provide temporary relief from your payments, forgiveness can reduce (or eliminate) the amount you have to pay back.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DAfter graduating medical school, most residents automatically receive debt forbearance for a period of time. Many healthcare professionals take forbearance or deferment as long as possible because money is tight during their residency or in their first few years in the industry.\\xa0\"}),/*#__PURE__*/t(\"h3\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"But just because the payments stop, doesn\u2019t mean the interest does. Their student loans will continue to accrue interest that\u2019s added to their balance.\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:\"\u200DCase in point: The typical resident charged the average interest rate of 6% for a 2020 medical school graduate degree owes more than $12,000 annually in interest alone. Added interest payments consume between 20% and 25% of the income a resident earns during a four-year residency, according to the AAMC.\\xa0\"}),/*#__PURE__*/t(\"h2\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"How the CARES Act Changed forbearance\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:\"The CARES Act includes relief to eligible federal student loans, including:\"}),/*#__PURE__*/t(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-line-height\":\"1.5em\",\"--framer-text-alignment\":\"start\",\"--framer-text-color\":\"rgb(60, 60, 81)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{children:/*#__PURE__*/e(\"p\",{children:\"Suspension of loan payments until Sept 1, 2022\\xa0\"})}),/*#__PURE__*/e(\"li\",{children:/*#__PURE__*/e(\"p\",{children:\"Reducing the interest rate to 0%\"})}),/*#__PURE__*/e(\"li\",{children:/*#__PURE__*/e(\"p\",{children:\"Stopped collections on defaulted loans\\xa0\"})})]}),/*#__PURE__*/e(\"p\",{children:\"If you owe federal student loans, your payments are essentially frozen in time, with no continued interest grown and no penalties for nonpayment. Unlike other types of forbearance, interest won\u2019t accrue on your loan until the Sept. 1 deadline.\\xa0Sounds pretty good right?\\xa0Well not if your loan servicer isnt accounting for forbearance correctly.\"}),/*#__PURE__*/t(\"h3\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"Some healthcare professionals are dealing with inaccurate credit reports that say their student loans are past due, despite qualifying for federal forbearance.\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:\"\u200DMissed loan payments are no joke. In the short term, they can lead to late fees and higher interest rates. In the longer term, they can end up on your credit report (for as long as seven years) and make it harder for you to qualify for certain loans, open a credit card or even rent an apartment. Leave a missed payment loan enough and your loans could go into default, which could lead to collections costs, wage garnishment, and tax refund seizure.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DBut you shouldn\u2019t be dealing with this issue under the CARES Act forbearance, signaling there may be a service error or issue with your lender.\\xa0\"}),/*#__PURE__*/t(\"h2\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"What can you do?\"})]}),/*#__PURE__*/e(\"p\",{children:\"\u200DFirst, check your credit report to see if there\u2019s an issue in the first place. The sooner you act on any errors, the better \u2014 you don\u2019t want this lingering on your report. Unfortunately, not all loans qualified for forbearance under the CARES Act. Check to make sure you\u2019re eligible first.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DYou get one free credit report every 12 months from each of the three major consumer reporting companies \u2014 Equifax, Experian and TransUnion. You can request a copy from AnnualCreditReport.com.\"}),/*#__PURE__*/t(\"p\",{children:[\"\u200DIf you have an eligible loan and you see a past-due notice that\u2019s incorrect, contact your lender as soon as possible. \",/*#__PURE__*/e(\"strong\",{children:\"Under the CARES Act, you don\u2019t owe any loan payments from March 25, 2020 until May 1, 2022. \"}),\"If your notice says otherwise, that\u2019s a mistake on the part of your lender.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"\u200DOnce you review your credit report for any inaccuracies, it\u2019s a good idea to start thinking about the future. After nearly two years of forbearance, it\u2019s important to be prepared for the resumption of payments. It\u2019s unclear if the expiration date will get pushed out, but having a plan in place is still essential \u2014 for healthcare professionals with large loan balances, creating a payment strategy can prevent a surprise bill.\"}),/*#__PURE__*/t(\"h2\",{children:[\"\u200D\",/*#__PURE__*/e(\"strong\",{children:\"Developing a debt management plan that works\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:\"\u200DMost student loan repayment plans follow a standard 10-year schedule. However, most healthcare professionals make lower income at the beginning of their careers, making it difficult to sustain a regular payment schedule. For example, a doctor with a $200,000 loan would owe close to $2,000 per month on a standard schedule \u2014 almost impossible under the average resident salary of $58,921.\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DFor that reason, most healthcare professionals use an income-driven repayment plan, which sets the amount you owe based on your income and family size. Under an IDR plan, payments are typically smaller for the first few years of working, and grow as your income does.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DHowever, these plans require annual renewal and recertification, something that many healthcare professionals have let lapse over the past two years. Avoid the potential of a surprise student loan bill coming back online at the full payment amount by re-applying for an income-driven payment plan. This will ensure that when your loan payments do return, they will be much more manageable. Another option is applying for student loan forgiveness, which can potentially reduce or even eliminate your debt.\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DLastly, if possible, make payments to your student loans. Any amount paid before May 1, 2022 goes directly to the principal of your loan and you won\u2019t pay any new interest.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Where can healthcare professionals get help with their debt?\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u200DMost financial institutions build debt products for an average consumer, and don\u2019t take into account the specific financial situation many healthcare workers find themselves in. And because you have debt, by default they charge you above average interest rate or dont qualify you for a consolidation loan, even though you are a lot more responsible with money than an average consumer.\"}),/*#__PURE__*/e(\"h2\",{children:\"\u200DAnd that is why Plannery exists.\"}),/*#__PURE__*/t(\"p\",{children:[\"\u200D\",/*#__PURE__*/e(\"em\",{children:\"Plannery designed a debt consolidation product exclusively to help busy healthcare professionals eliminate debt quickly and efficiently. We know that your credit score is not a true representation of how you responsibly handle money. So we offer below-market rates you can\u2019t find anywhere else, with an APR that is sometimes 50% lower than competitors.\\xa0\"})]})]});export const richText2=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"As a healthcare professional, your work is physically and emotionally demanding. You put in 80+ hour weeks working in high-stress environments, just for the chance to help someone get better. The last thing you should be stressing about is your finances.\"}),/*#__PURE__*/e(\"p\",{children:\"Healthcare professionals like yourself often go through years of school and training to start their careers, often graduating with hundreds of thousands of dollars in student loan debt. Many turn to credit cards to cover their daily expenses during residency and postsecondary school, racking up even more debt. According to the AAMC, 13% of graduating medical students carry an average of $5,000 in debt. This rises while in training, with 26% of physicians carrying credit card debt.\"}),/*#__PURE__*/e(\"h2\",{children:\"Understanding credit card debt\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Of all the different kinds of debts you could owe, credit card debt is especially nefarious, as it comes with high interest rates and can quickly snowball. It also has a major impact on your credit score, which can make it difficult to do things like buy a home or car later on. A poor credit score, especially if you\u2019re still in debt, can take years to fix.\"}),/*#__PURE__*/e(\"p\",{children:\"In short, credit card debt leads to a whole host of negative outcomes \u2014 not all of them financial. Studies have found that credit card debt leads to stress, depression, and other health issues. You\u2019re already extremely burnt out \u2014 you don\u2019t need the added stress of credit card debt.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Sometimes having credit card debt can feel shameful. You may be thinking to yourself, \u201CI\u2019m in such a high-paying career, how am I still in credit card debt?\u201D\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"It is because no one gave you the tools to succeed.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"You spent years in the classroom and in the hospital training \u2014 but when did someone teach you how to manage your money? No matter where you\u2019re at on your journey dealing with credit card debt, just know you\u2019re not alone. We\u2019ll break down three steps to deal with credit card debt.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Step one: Take stock of your financial situation\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"First, take a deep breath. Know you don\u2019t need to deal with debt alone, and there are many tools available to help you get back on track.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"First review all of your credit cards you own and determine exactly how much debt you owe. Once you understand what you\u2019re up against, you can create a plan of action. Getting control of your money is the first step \u2014 one of the easiest ways to do this is through a budget.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Understanding where your money is coming and going can help you:\\xa0\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Determine spending areas you can cut back on (like eating out)\\xa0\"})}),/*#__PURE__*/e(\"li\",{style:{\"--framer-font-size\":\"11px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Discover where you can free up money to put towards your debt payments\\xa0\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"There are many financial apps out there to help you track your spending automatically \u2014 or you can go old school with a budgeting spreadsheet. The AAMC\",/*#__PURE__*/e(a,{href:\"https://students-residents.aamc.org/media/7256/download\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{href:\"https://students-residents.aamc.org/media/7256/download\",rel:\"noreferrer noopener\",children:\" has a spreadsheet specifically for residents\"})}),\".\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"You may be able to negotiate your credit card bill by contacting your company. If you\u2019re making regular payments and have held the card for a long time, you may be able to get a lower interest rate.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Some companies also offer a balance transfer card, which has a\\xa0 0% introductory rate for a set period. This gives you time to pay off your credit card debt interest-free from 6 to 20 months, depending on the offer. Just make sure you can actually pay down the balance by the time the introductory period is over or you'll face high-interest credit card debt all over again.\"}),/*#__PURE__*/e(\"h2\",{children:\"Step two: Make a plan\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Once you take stock of your situation, you need to make a clear plan to start paying off your bill. You will never be able to get out of debt by making minimum payments. The more you\u2019re able to pay, the less interest you\u2019ll pay over time and the faster you\u2019ll get rid of your balance.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"There are two main ways to pay off your debt \u2014 the \u201Csnowball\u201D method and the \u201Cavalanche\u201D method. The snowball method involves paying your debt starting from the smallest balance to the largest. It\u2019s not the most financially-efficient way to discharge debt if your larger debts have higher interest rates. Interest will compound over time, leading to a larger overall debt bill to pay. But some experts argue it builds motivation and increases the chance you\u2019ll follow through.\"}),/*#__PURE__*/e(\"p\",{children:\"Another popular option is the \u201Cavalanche\u201D method, which prioritizes paying off debts from highest interest rate to the lowest. Consumers can save more money (and pay off debt faster) with this method.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Which one is better? While the avalanche method pays off your debt faster and saves you money, the snowball method is more likely to keep you motivated. The best method is the one that works best for you.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Step three: Consider consolidation\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Debt consolidation combines several debts into one monthly payment, which can often reduce or eliminate your interest charges, helping you get out of debt faster. It can also prevent your credit score from taking as much of a hit.\\xa0\"}),/*#__PURE__*/e(\"h3\",{children:\"As a healthcare professional what are your options when it comes to debt consolidation?\"}),/*#__PURE__*/e(\"p\",{children:\"When it comes to dealing with credit card debt, you need a financial product that takes the guesswork out of the equation and gives them time to do what they do best \u2014 save lives.\\xa0Most financial institutions do not differentiate healthcare professionals from other folks and because healthcare professionals carry more debt from early in their career, banks automatically think you are more risky. When infact the opposite is true.\"}),/*#__PURE__*/e(\"h3\",{children:\"And thats why Plannery exists..\"}),/*#__PURE__*/e(\"p\",{children:\"Plannery has designed a product exclusively for busy healthcare professionals. We offer below-market rates you can\u2019t find anywhere else, with an APR that is 50% lower than competitors. We also believe that your potential matters as much as your history, and will qualify individuals with credit scores as low as 580. Plannery takes auto deductions straight from your payroll, getting you closer to being debt free with each paycheck. You can just set it and forget it \u2014 and say goodbye to credit card debt in 36 months.\\xa0\"})]});export const richText3=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Becoming a healthcare worker takes years of hard work and sacrifice, and, for many, costs hundreds of thousands of dollars in educational expenses. Nearly 70% of medical school graduates left school with debt in 2021, according to the American Association of Medical Colleges. Graduates had an average debt of $250,222 for public universities and $330,180 for private schools. If you\u2019re one of the many healthcare workers with student loan debt, you know that paying off that debt can often take decades and feel extremely daunting and stressful. \"}),/*#__PURE__*/e(\"p\",{children:\"The Biden-Harris administration announced a plan that includes up to $20,000 in student loan forgiveness \u2014 and as a healthcare worker, you may be wondering what it means for you. Here\u2019s our breakdown of the debt relief plan and how it could affect your student loan debts. \"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Student Debt Relief Plan Explained \"})}),/*#__PURE__*/e(\"p\",{children:\"The Biden-Harris Administration\u2019s recent plan to tackle student loan debt has three parts. \"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"A final extension of the student loan repayment pause until December 31, 2022. Payments are set to start in January 2023, which means borrowers who have not been paying their loans will have to start paying. Any payments made from now until December 31, 2022, will go directly to the principal on the loan instead of both the principal and interest. \"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Targeted debt relief for specific households, including up to $20,000 in cancellations for Pell Grant recipients and $10,000 in debt cancellation for non-Pell Grant recipients. Healthcare workers are eligible for this cancellation if their income is less than $125,000 for individuals and $250,000 for households in 2021 or 2020. In order to apply for this relief, log into your StudentAid.gov account and submit an application before December 31, 2023. Relief will typically come in around four to six weeks. \"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"A more manageable student loan system, including a proposed income-driven repayment plan that will require borrowers to pay no more than 5% of their income on undergraduate loans. It will also give forgiveness after 10 years of payments, instead of 20 years. \"})})]}),/*#__PURE__*/e(\"p\",{children:\"The bottom line \u2014 for many practicing physicians, the targeted debt relief will do little to alleviate their large student loan burden, due to the income limits. However, for other healthcare workers who made less than $125,000 (or $250,000 for households) in the last 2 years, this could mean a meaningful reprieve. Also, recently-graduated medical students and residents may be able to take advantage of the program, as their earnings are less earlier in their career (the average salary of a first-year resident is around $60,000). \"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Other student loan forgiveness options for physicians \"})}),/*#__PURE__*/e(\"h3\",{children:\"Public Service Loan Forgiveness \"}),/*#__PURE__*/e(\"p\",{children:\"If you have Direct Federal student loans (or have consolidated your loans into a Direct Consolidation Loan), you may be able to apply to the Public Service Loan Forgiveness Program. You\u2019re eligible if you work full-time for the government or a non-profit organization, and have been paying off your debt under an income-driven repayment plan. On top of all of that, you\u2019re required to make 120 qualifying payments. \"}),/*#__PURE__*/e(\"p\",{children:\"The good news is that many hospitals are certified non-profits, but this requirement can often cap a doctor\u2019s earning potential and limit where they can live. \"}),/*#__PURE__*/e(\"p\",{children:\"There have been temporary changes to the program to make it easier for doctors to claim forgiveness. The changes apply to specific healthcare professionals with federal loans, and are expected to end on October 31, 2022. \"}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re on the wrong payment plan: If you work full time for a qualifying employer you can receive a credit towards the PSLF for all the payments you made on the wrong plan \u2014 you can save thousands of dollars this year.  \"}),/*#__PURE__*/e(\"p\",{children:\"If you have the wrong loan: Previously, the PSLF only covered direct federal loans. Now, if you have FFEL or Perkins loans, you qualify for the program. \"}),/*#__PURE__*/e(\"h3\",{children:\"Income-driven repayment plans \"}),/*#__PURE__*/e(\"p\",{children:\"You can also sign up for an income-driven replacement plan, which sets the amount you owe based on your income and family size, typically between 10% and 20% of your income. Under an IDR plan, payments are typically smaller for the first few years of working, and grow as your income does. These plans typically last 20 to 25 years \u2014 after that period ends, any remaining debt will be forgiven. While the Biden-Harris Administration has proposed changes to these plans, they haven\u2019t been implemented yet. \"}),/*#__PURE__*/e(\"p\",{children:\"Dealing with your debt can be extremely time-consuming, and spending hours filling out paperwork to apply for a forgiveness program is the last thing you want to be doing. Using a service like Plannery\u2019s can take \u201Cdebt\u201D of your to-do list. We can help you consolidate your debt loans, and take auto deductions right from your payroll, getting you closer to becoming debt free with each paycheck. \"}),/*#__PURE__*/e(\"h2\",{children:\"The latest on the Biden-Harris student loan forgiveness program\"}),/*#__PURE__*/e(\"p\",{children:\"Since the announcement, there has been a lot of chatter on the pros and cons of forgiving student loan debt including legal challenges. Here is the latest on where the program stands:\"}),/*#__PURE__*/e(\"p\",{children:\"On October 21st, the U.S. 8th Circuit Court of Appeals issued an order to prohibit the Biden-Harris administration from \u201Cdischarging any student loan debt\u201D under the relief program.\"}),/*#__PURE__*/t(\"p\",{children:[\"While the Education Department cannot implement the student loan forgiveness program, while the court ordered hold in place, it is still taking in applications in hopes of implementing the program if the court order is lifted. You can apply for loan \",/*#__PURE__*/e(a,{href:\"https://studentaid.gov/debt-relief/application\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{href:\"https://studentaid.gov/debt-relief/application\",rel:\"noreferrer noopener\",target:\"_blank\",children:\"forgiveness here\"})})]}),/*#__PURE__*/e(\"p\",{children:\"While it's hard to know when and how these cases will turn out, it makes sense to apply for the forgiveness program in case you qualify. \"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]});export const richText4=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What changed?\"}),/*#__PURE__*/e(\"p\",{children:\"After more than three years of relief, Americans must resume payments on student loans in October, 2023, while interest on existing loans begins compounding in September.\"}),/*#__PURE__*/e(\"h2\",{children:\"Who does this impact?\"}),/*#__PURE__*/e(\"p\",{children:\"A staggering 79% of healthcare professionals hold an average debt of $60,000. Compare that to the 13% of all Americans owing student loans and it becomes clear that resuming payments on federal student loans strikes the hearts of our nation's caretakers. \"}),/*#__PURE__*/e(\"h2\",{children:\"What does this mean for me?\"}),/*#__PURE__*/e(\"p\",{children:\"Providers and employers are traversing uncharted waters. Turnover rates among healthcare workers have already skyrocketed since the pandemic \u2013\\xa0and that's without mandatory repayments on federal loans. \"}),/*#__PURE__*/t(\"p\",{children:[\"Healthcare professionals will be expected to \",/*#__PURE__*/e(a,{href:\"https://studentaid.gov/help-center/answers/article/repaye-plan\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"pay 10% of monthly income\"})}),\" as of October, though this number should eventually decrease to \",/*#__PURE__*/e(a,{href:\"https://www2.ed.gov/policy/highered/reg/hearulemaking/2021/idrfactsheetfinal.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"5% of monthly income under the new Saving on a Valuable Education (SAVE) plan.\"})}),\" \"]}),/*#__PURE__*/e(\"h2\",{children:\"How should I move forward?\"}),/*#__PURE__*/t(\"p\",{children:[\"Borrowers should \",/*#__PURE__*/e(a,{href:\"https://studentaid.gov/idr/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"enroll in the SAVE plan \"})}),\"before September to ensure first access to specialty assistance. \"]}),/*#__PURE__*/t(\"p\",{children:[\"Healthcare professionals should also explore options like the \",/*#__PURE__*/e(a,{href:\"https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"National Public Service Corps Loan Repayment Program\"})}),\", the \",/*#__PURE__*/e(a,{href:\"https://bhw.hrsa.gov/funding/apply-loan-repayment/nurse-corps\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Nurse Corps Loan Repayment Program\"})}),\" and state sponsored loan forgiveness options. \"]}),/*#__PURE__*/e(\"h2\",{children:\"How do we help?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://planneryapp.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\" is the financial management platform that helps healthcare professionals get and stay out of debt.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Our voluntary benefit improves employee retention by offering\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[\"We've already improved retention of healthcare professionals at institutions like Advent Health, CVS Health, and HCA Healthcare \u2013 \",/*#__PURE__*/e(a,{href:\"mailto:support@planneryapp.com\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"contact us\"})}),\" today!\"]})]});export const richText5=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Healthcare professionals aren't immune to burnout\"}),/*#__PURE__*/t(\"p\",{children:[\"The Covid-19 pandemic\",/*#__PURE__*/e(\"em\",{children:\" catalyzed the trend toward workers' power \u2013 it also caused increased workloads, prolonged periods of stress, and safety concerns for healthcare professionals. \"}),\"Juxtapose these trends alongside\",/*#__PURE__*/e(\"em\",{children:\" \"}),\"higher costs of living, stagnant wages, and limited career advancement, and it's no surprise that \",/*#__PURE__*/e(a,{href:\"https://chcworkforce.org/wp-content/uploads/2023/03/Financial-Wellbeing-Healthcare-Workers.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"more than 30% of nurses have changed jobs over the past three years.\"})}),\" \"]}),/*#__PURE__*/t(\"p\",{children:[\"As life returns to normal in \",/*#__PURE__*/e(a,{href:\"https://www.nytimes.com/2023/07/17/briefing/covid.html\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"post-pandemic-America\"})}),\", our healthcare sector remains forever changed. \"]}),/*#__PURE__*/t(\"p\",{children:[\"Healthcare professionals are more burned out than ever \u2013 \",/*#__PURE__*/e(a,{href:\"https://www.bain.com/insights/a-treatment-for-americas-healthcare-worker-burnout/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"1 in 4 medical professionals is considering leaving medicine and nearly 90% cite burnout\"})}),\" as the leading cause. Without swift action, this number is expected to nearly \",/*#__PURE__*/e(a,{href:\"https://www.elsevier.com/__data/assets/pdf_file/0004/1242490/Clinician-of-the-future-report-online.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"double by 2025\"})}),\". \"]}),/*#__PURE__*/e(\"h2\",{children:\"As vacancies skyrocket, money is flying out the door\"}),/*#__PURE__*/t(\"p\",{children:[\"The US Bureau of Labor Statistics predicts \",/*#__PURE__*/e(a,{href:\"https://www.aacnnursing.org/news-data/fact-sheets/nursing-shortage\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"a shortage of over 1 million RNs by 2030\"})}),\" due to '\",/*#__PURE__*/e(a,{href:\"https://www.dol.gov/newsroom/releases/eta/eta20221003\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"unprecedented [pandemic] demands placed on nurses \u2013 combined with retirements and an aging workforce\"})}),\"'. The \",/*#__PURE__*/e(a,{href:\"https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"2023 NSI National Health Care Retention & RN Staffing Report\"})}),\", which includes data from 273 hospitals, prices each vacancy at \",/*#__PURE__*/e(a,{href:\"https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"$52,350\"})}),\".  \",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/e(\"h2\",{children:\"How can Plannery help?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://planneryapp.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\" is the financial management platform that helps healthcare professionals get and stay out of debt.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Our voluntary benefit improves employee retention by offering\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[\"We've already improved retention of healthcare professionals at institutions like Advent Health, CVS Health, and HCA Healthcare \u2013 \",/*#__PURE__*/e(a,{href:\"mailto:support@planneryapp.com\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"contact us\"})}),\" today!\"]})]});export const richText6=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"What is Artificial Intelligence?\"}),/*#__PURE__*/e(\"p\",{children:'Artificial Intelligence (\"AI\") enables machines to make decisions with human-like intelligence through data, logic and thoughtful analysis. AI is already revolutionizing many industries, including healthcare, though its impact has only just begun:'}),/*#__PURE__*/t(\"h2\",{children:[/*#__PURE__*/e(\"br\",{}),\"Will AI help me?\"]}),/*#__PURE__*/e(\"h5\",{children:\"Pros for Health Professionals:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Access to Information\"}),\": Accessing the latest research, treatments, and patient data leads to more informed provider decisions\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Detection and Treatment: \"}),\"Monitoring key metrics paints a prettier picture of patient health, supporting more accurate and timely diagnoses, as well as personalized treatments\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Efficiency and Productivity\"}),\": Automating repetitive and time-consuming tasks frees up more time to spend with patients\"]})})]}),/*#__PURE__*/e(\"h5\",{children:\"Cons for Health Professionals:\"}),/*#__PURE__*/t(\"ol\",{style:{\"--framer-font-size\":\"16px\",\"--framer-text-alignment\":\"start\",\"--framer-text-color\":\"rgb(209, 213, 219)\",\"--framer-text-decoration\":\"none\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Ethical and privacy concerns: \"}),\"More isn't always better\\xa0\u2013 breaches and privacy violations become higher stakes and higher risk with sensitive information readily available\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Lack of AI Understanding\"}),\": Absent adequate training about new technologies and their limitations, providers may misinterpret or misuse information\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Job Displacement\"}),\": Automating tasks can increase face time between patients and providers, but if we're not careful, new tech could replace human expertise and empathy in care\"]})})]}),/*#__PURE__*/e(\"h4\",{children:\"So\u2026\"}),/*#__PURE__*/e(\"p\",{children:'\"Ultimately, the impact of AI on healthcare workers depends on how it is integrated into healthcare systems, the level of training and support provided to healthcare professionals, and the responsible and ethical implementation of AI technologies. When implemented thoughtfully, AI has the potential to be a valuable tool that supports and enhances the capabilities of healthcare workers, leading to better patient care and outcomes.\" \u2013\\xa0Written by AI'}),/*#__PURE__*/e(\"h2\",{children:\"How can Plannery help?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://planneryapp.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\" is the financial management platform that helps healthcare professionals get and stay out of debt.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Our voluntary benefit improves employee retention by offering\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\" (powered by AI). \"]}),/*#__PURE__*/t(\"p\",{children:[\"We've already improved retention of healthcare professionals at institutions like Advent Health, CVS Health, and HCA Healthcare \u2013 \",/*#__PURE__*/e(a,{href:\"mailto:support@planneryapp.com\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"contact us\"})}),\" today!\"]})]});export const richText7=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Great Resignation is Over, Right?\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Not so fast\u2026\"}),\" two weeks ago, we explained that healthcare professionals are more burned out than ever, as \",/*#__PURE__*/e(a,{href:\"https://www.bain.com/insights/a-treatment-for-americas-healthcare-worker-burnout/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"1 in 4 medical professionals considers leaving medicine with nearly 90% of them citing burnout\"})}),\" as the leading cause. \"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),\"While *\",/*#__PURE__*/e(\"strong\",{children:\"most\"}),\"* employers see waning impacts of turnover, including tempered financial hardship and recovering levels of engagement, morale and productivity, healthcare remains an outlier.\\xa0\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"\u201CWorkforce, Workforce, Workforce\u201D\"})}),/*#__PURE__*/t(\"p\",{children:[\"That\u2019s the #1 Priority for Health Systems across the nation over the next year. We\u2019re hearing this in conversations with leaders at America's top hospitals and you can read about the same trend in the \",/*#__PURE__*/e(a,{href:\"https://hbr.org/2023/03/what-makes-health-care-workers-stay-in-their-jobs\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Harvard Business Review\"})}),\". HR leaders are going to dire straits to improve retention as their hospital systems struggle to keep up with rising demand amid mounting staff shortages. While competitive pay, referral bonuses and other incentives support hiring, \",/*#__PURE__*/e(\"em\",{children:\"they hardly move the needle on retention\"}),\". \"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"Why are they Leaving?\"})}),/*#__PURE__*/t(\"p\",{children:[\"Per \",/*#__PURE__*/e(a,{href:\"https://www.grantthornton.com/insights/articles/health-care/2023/staffing-and-well-being-factors-afflict-healthcare-workers\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Grant Thornton's State of Work in America,\"})}),\" the top 5 reasons health professionals leave their jobs is because they don't feel valued at work, suffer lower wages relative to inflation, have a lack of support for personal well-being, receive scant benefits and work long hours.  \"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"strong\",{children:\"We're Not Just Another Benefit\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://planneryapp.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\" improves employee retention by supporting healthcare professionals to get and stay out of debt.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Our voluntary benefit offers\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"We've already improved retention of healthcare professionals at institutions like Advent Health, CVS Health, and HCA Healthcare, and we're rolling out Plannery at major hospital systems this benefits cycle!\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(a,{href:\"mailto:support@planneryapp.com\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Contact us\"})}),\" today!\"]})]});export const richText8=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Despite the\",/*#__PURE__*/e(a,{href:\"https://www.washingtonpost.com/business/2023/08/04/doctor-pay-shortage/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" $350,000 average wage for America's one million M.D.'s, with 10% earning over $1.3 million, and the top 1 percent taking home more than $4 million per year\"})}),\", this demographic struggles managing finances\u2026 Why?\"]}),/*#__PURE__*/e(\"h2\",{children:\"The Long Play\"}),/*#__PURE__*/t(\"p\",{children:[\"Becoming a doctor doesn't happen overnight. \",/*#__PURE__*/e(a,{href:\"https://www.bfadvisors.com/average-age-become-physician-2/#:~:text=The%20most%20common%20route%20to,doctor%20at%2029%20or%2030.\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"A bachelor's degree, followed by medical school (4 years), residency (3-7 years) and sometimes fellowship (1-3 years)\"})}),\" maintains Doogie Howser as a fictionalized account; the average physician begins practicing around age 30. While other high achieving college graduates earn six-figure salaries, hopeful physicians spend over \",/*#__PURE__*/e(a,{href:\"https://educationdata.org/average-cost-of-medical-school\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"$200,000 attending medical school\"})}),\".  Student loans are nothing to balk at, nor are the \",/*#__PURE__*/e(a,{href:\"https://money.com/medical-resident-pay-match-day/#:~:text=Rules%20set%20by%20the%20Accreditation,low%20as%20%2413%20an%20hour.\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"80+ hour work-weeks for which residents earn minimum wage. \"})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,HrGB6YDYH6GU1qrMzIfauR6j4.png\",\"data-framer-height\":\"652\",\"data-framer-width\":\"894\",height:\"326\",src:\"https://framerusercontent.com/images/HrGB6YDYH6GU1qrMzIfauR6j4.png\",srcSet:\"https://framerusercontent.com/images/HrGB6YDYH6GU1qrMzIfauR6j4.png?scale-down-to=512 512w,https://framerusercontent.com/images/HrGB6YDYH6GU1qrMzIfauR6j4.png 894w\",style:{aspectRatio:\"894 / 652\"},width:\"447\"}),/*#__PURE__*/e(\"h2\",{children:\"More Training, More Money\"}),/*#__PURE__*/t(\"p\",{children:['After analyzing one of the largest data sets of provider salaries ever accrued (nearly 12 million data points), the National Bureau of Economic Research explains, \"',/*#__PURE__*/e(a,{href:\"https://www.nber.org/system/files/working_papers/w31469/w31469.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Each extra year of training is associated with $143,000 in extra annual income\"})}),'.\"',/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"The longer hopeful-providers train\\xa0\u2013 in residency or fellowship\\xa0\u2013\\xa0the more they'll earn over the course of their career. But in the short term, additional training causes a messy financial picture, as trainees live off of credits cards and agitate the revolving door of debt. \"]}),/*#__PURE__*/e(\"h2\",{children:\"How can Plannery help?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://planneryapp.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\" is the financial management platform that helps healthcare professionals get and stay out of debt.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Our voluntary benefit improves employee retention by offering\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[\"We've already improved retention of healthcare professionals at institutions like Advent Health, CVS Health, and HCA Healthcare \u2013 \",/*#__PURE__*/e(a,{href:\"mailto:support@planneryapp.com\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"contact us\"})}),\" today!\"]})]});export const richText9=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"During the pandemic, people were the problem.\"}),\" So most of us masked up and tuned out of the real world.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Unfortunately, health professionals didn\u2019t have this luxury.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Our caretakers became our heroes and risked their lives to save ours. Doctors, nurses and medical staff put themselves in harm\u2019s way around the clock \u2013 but it came with a price.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"$8,500,000\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(a,{href:\"https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"That\u2019s the average cost hospitals face from the 13.5% increase in post-pandemic turnover.\\xa0\"})})}),/*#__PURE__*/e(\"p\",{children:\"Long hours, months of isolation, and unclear messaging caused emotional, mental and physical strain on caretakers. \"}),/*#__PURE__*/e(\"p\",{children:\"The diagnosis is in, so what's the treatment? \"}),/*#__PURE__*/e(\"h2\",{children:\"Alleviate Stress\"}),/*#__PURE__*/t(\"p\",{children:[\"Finances stress out health professionals. Despite high salaries, rising costs of living, stagnant wages and limited career advancement \",/*#__PURE__*/e(a,{href:\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10068501/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"make financial stress a leading cause of clinical burnout\"})}),\". Employers know this, and it's why \",/*#__PURE__*/e(a,{href:\"https://www.ache.org/about-ache/news-and-awards/news-releases/survey-workforce-challenges-cited-by-ceos-as-top-issue-confronting-hospitals-in-2022\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"staffing is the top challenge for hospitals according to the American College of Healthcare Executives.\"})}),\" \"]}),/*#__PURE__*/e(\"h2\",{children:\"How can we help? \"}),/*#__PURE__*/e(\"p\",{children:\"Plannery is the financial management platform that helps healthcare professionals stay financially secure.\"}),/*#__PURE__*/t(\"p\",{children:[\"We improve employee retention through \",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Employers are begging for Plannery, they just don't know it yet :) \"})})]});export const richText10=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"Trending \uD83D\uDCC8\uD83D\uDCC8\uD83D\uDCC8\"}),/*#__PURE__*/t(\"p\",{children:[\"The Center for Microeconomic Data at the Federal Reserve Bank of New York recently reported that \",/*#__PURE__*/e(a,{href:\"https://www.newyorkfed.org/microeconomics/hhdc\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"credit card debt grew by $45 Billion during Q2 of 2023\"})}),\", confirming credit card debt as the largest growth form of debt of the quarter as it crossed the $1 trillion mark. \"]}),/*#__PURE__*/e(\"p\",{children:\"We're hardly surprised. \"}),/*#__PURE__*/e(\"h2\",{children:\"More Cards and Higher Limits\"}),/*#__PURE__*/t(\"p\",{children:[\"Nearly 70% of Americans have a credit card \u2013 a rapidly growing statistic with over 70\\xa0million new accounts since before the pandemic. Many of these accounts have been issued to borrowers with credit scores between 580 and 619, which has caused a \",/*#__PURE__*/e(a,{href:\"https://libertystreeteconomics.newyorkfed.org/2023/08/credit-card-markets-head-back-to-normal-after-pandemic-pause/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"16% jump in average credit card balances over the past year. \"})})]}),/*#__PURE__*/e(\"h2\",{children:\"The Revolving Door\"}),/*#__PURE__*/t(\"p\",{children:[\"Credit cards make money when consumers like you and me don't pay our bills on time. If your credit score falls below 620, you're likely paying \",/*#__PURE__*/e(\"strong\",{children:\"high upfront costs and high Interest rates.\"}),' If you miss a payment, your credit card hurts you by charging interest that may exceed 30%! This creates a \"revolving door\" as debt builds up and makes each month\\'s payment even higher. When payments increase, credit cards profit. ']}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"Alleviate Stress\"}),/*#__PURE__*/t(\"p\",{children:[\"Finances stress out health professionals. Despite high salaries, rising costs of living, stagnant wages and limited career advancement \",/*#__PURE__*/e(a,{href:\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10068501/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"make financial stress a leading cause of clinical burnout\"})}),\". Employers know this, and it's why \",/*#__PURE__*/e(a,{href:\"https://www.ache.org/about-ache/news-and-awards/news-releases/survey-workforce-challenges-cited-by-ceos-as-top-issue-confronting-hospitals-in-2022\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"staffing is the top challenge for hospitals according to the American College of Healthcare Executives.\"})}),\" \"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"What's Plannery doing?\"}),/*#__PURE__*/t(\"p\",{children:[\"Plannery is \",/*#__PURE__*/e(a,{href:\"planneryapp.com/card2/nurses\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"creating the first ever card exclusively for nurses\"})}),\" \u2013\\xa0built with more cash back, lower payments, and your very own financial manager.\"]}),/*#__PURE__*/e(\"p\",{children:\"You care for others, so we're caring for you.\"})]});export const richText11=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The 21% rise in coronavirus cases and 24% jump in hospitalizations evoke war-like memories. \"}),/*#__PURE__*/e(\"p\",{children:\"But this battle will look a little different. \"}),/*#__PURE__*/e(\"h2\",{children:\"Pro: We're Prepared\"}),/*#__PURE__*/e(\"p\",{children:\"The speed and severity of the pandemic caught us off guard. The past months and years stockpiling medical supplies, improving treatments and updating surveillance make it unlikely for health systems to experience a repeat of the strain felt in 2020. \"}),/*#__PURE__*/e(\"h2\",{children:\"Con: We're Already High Risk\"}),/*#__PURE__*/t(\"p\",{children:[\"The pandemic exposed weaknesses in health systems and the need to create social safety nets and support systems for businesses and individuals. Increased workloads, extended periods of stress and safety concerns caused \",/*#__PURE__*/e(a,{href:\"https://www.bain.com/insights/a-treatment-for-americas-healthcare-worker-burnout/\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"a spike in burnout\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://chcworkforce.org/wp-content/uploads/2023/03/Financial-Wellbeing-Healthcare-Workers.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" resignations among our nation's caretakers\"})}),\". These haven't returned to pre-pandemic levels; they've normalized at their post-pandemic equilibrium. \"]}),/*#__PURE__*/e(\"h2\",{children:\"We Can't Afford Another Pandemic\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://www.elsevier.com/__data/assets/pdf_file/0004/1242490/Clinician-of-the-future-report-online.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Nearly 50% of American clinicians\"})}),\" expect to leave their jobs within the next three years. Paired with increasing staffing costs \u2013 \",/*#__PURE__*/e(a,{href:\"https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"the\"})}),\"\\xa0\",/*#__PURE__*/e(a,{href:\"https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"2023 NSI National Health Care Retention & RN Staffing Report\"})}),\" prices each vacancy at \",/*#__PURE__*/e(a,{href:\"https://www.nsinursingsolutions.com/Documents/Library/NSI_National_Health_Care_Retention_Report.pdf\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"$52,350\"})}),\" \u2013\\xa0administrators have become proactive to ensure mass resignations don't become a recurring phenomenon. HR leaders cannot afford for mass resignations to become a recurring phenomenon.  \"]}),/*#__PURE__*/e(\"h2\",{children:\"Investing in Ourselves \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://hbr.org/2023/03/what-makes-health-care-workers-stay-in-their-jobs\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Workforce is the #1 Priority for Health Systems \"})}),\"across the nation and financial freedom sits atop the employee wishlist. Meaningful benefits, feeling valued at work, and support for personal well-being have proven to retain employees.\"]}),/*#__PURE__*/e(\"h2\",{children:\"We're Here to Help \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"planneryapp.com\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\" is the financial management platform that helps healthcare professionals stay financially secure.\"]}),/*#__PURE__*/t(\"p\",{children:[\"We improve employee retention through \",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"better rates on loans\"})}),\", an\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/card2/nurses\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" exclusive credit card\"})}),\" and\",/*#__PURE__*/e(a,{href:\"https://www.planneryapp.com/platform/healthcare-professionals\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\" personalized financial management\"})}),\". \"]})]});export const richText12=/*#__PURE__*/t(n.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"The official press release posted by SUNY Downstate Health Sciences University can be found at: https://www.downstate.edu/news-events/news/2024/01-10-2024.html\"})}),/*#__PURE__*/e(\"p\",{children:\"Plannery is thrilled to announce a partnership with SUNY Downstate Health Sciences University to support their workforce through student and personal loan assistance, and a soon-to-launch card built to eliminate debt.\"}),/*#__PURE__*/e(\"p\",{children:\"This collaboration is designed to prioritize the well-being and holistic health of SUNY Downstate's dedicated staff, and to combat the financial stress that traditionally inhibits the provision of top-tier care. Healthcare professionals have a unique financial journey, since they start their careers later than most, often carrying significant debt. They work long hours in stressful jobs, which results in 62% of healthcare workers saying they are stressed about finances despite earning good, solid wages. This in turn has negatively affected the healthcare industry\u2019s ability to recruit and retain talent.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"What We did:\"})}),/*#__PURE__*/e(\"p\",{children:\"With three weeks remaining in 2023, employees at SUNY Downstate Health Sciences University \u2013 who count among the borrowers of federal loans eligible for a one-time account adjustment set to end December 31st \u2013 were fraught with financial stress. This impending student loan deadline (which has since been extended to April 2024) meant that Downstate had to act fast.\"}),/*#__PURE__*/e(\"p\",{children:\"In under a week, we launched a student loan product designed to help Downstate employees enroll into federal forgiveness programs at scale. Our launch was met with an immediate and incredible response from employees. We were onsite around the clock helping Downstate employees gain clarity around their student loans, enroll in federal forgiveness, and build confidence that they are on the right path to achieve their financial goals.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"David Berger, M.D., MHCM, FACS, CEO of University Hospital at Downstate\"}),\", expressed enthusiasm about this initiative, \u201CWe're excited to bring Plannery to our team. Their rapid product launch, hands-on approach with our staff, and the overwhelming employee engagement truly make Plannery a must-have benefit for our employees.\u201D\",/*#__PURE__*/e(\"strong\",{children:\"\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About SUNY Downstate Health Sciences University\"})}),/*#__PURE__*/e(\"p\",{children:\"Downstate Health Sciences University in Brooklyn is one of four academic health centers (AMCs) in The State University of New York (SUNY) 64-campus system and the only SUNY AMC in New York City dedicated to health education, research, and patient care for the borough\u2019s 2.7 million residents. Its flagship hospital, University Hospital at Downstate (UHD), is a teaching hospital and benefits from the expertise of Downstate\u2019s exceptional medical school and world-class academic center research facilities. With a staff of over 800 physicians representing 53 specialties and subspecialties, Downstate offers comprehensive healthcare services to the community.\"}),/*#__PURE__*/e(\"p\",{children:\"UHD provides high-risk neonatal and infant services, pediatric nephrology, and dialysis for kidney diseases and is the only kidney transplantation program in Brooklyn. Beyond its clinical expertise, Downstate houses a range of esteemed educational institutions, including its College of Medicine, College of Nursing, School of Health Professions, School of Graduate Studies, and School of Public Health. Downstate fosters innovation through its multifaceted biotechnology initiative, the Biotechnology Incubator and BioBAT, which support early-stage and more mature biotech companies.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"About US\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(a,{href:\"https://planneryapp.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Plannery\"})}),\"\\xa0is a financial wellness platform that is built exclusively for healthcare professionals to support their financial journey from eliminating debt to building wealth. Our vision is a world where no healthcare professional has to worry about their finances and can instead focus on taking care of patients. 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