# Why the Math Doesn’t Work: How Student Loan Debt Hits Therapists Harder Than Other Professions – An Interview with Mick MacLaverty

Page: https://stenobird.com/podcast/the-modern-therapist-s-survival-guide-with-curt-widhalm-and-katie-vernoy-410171/why-the-math-doesn-t-work-how-student-loan-debt-hits-therapists-harder-than-other-professions-an-interview-with-mick-maclaverty
Text version: https://stenobird.com/podcast/the-modern-therapist-s-survival-guide-with-curt-widhalm-and-katie-vernoy-410171/why-the-math-doesn-t-work-how-student-loan-debt-hits-therapists-harder-than-other-professions-an-interview-with-mick-maclaverty.md
Podcast: [The Modern Therapist's Survival Guide with Curt Widhalm and Katie Vernoy](https://stenobird.com/podcast/the-modern-therapist-s-survival-guide-with-curt-widhalm-and-katie-vernoy-410171)
Published: 2026-02-09T08:00:00+00:00
Episode link: https://traffic.megaphone.fm/HEGNI8009832790.mp3?updated=1768608181
Audio file: https://traffic.megaphone.fm/HEGNI8009832790.mp3?updated=1768608181
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Duration seconds: 2494

## Resource

Why the Math Doesn’t Work: How Student Loan Debt Hits Therapists Harder Than Other Professions – An Interview with Mick MacLaverty Student loan debt affects nearly every corner of the mental health field, but for therapists, the numbers often don’t add up. In this episode, Curt Widhalm and Katie Vernoy talk with student loan expert Mick MacLaverty about why therapists carry disproportionately high debt, how inconsistent income makes repayment especially difficult, and the structural factors in higher education and healthcare that created this imbalance. Mick explains how federal student loan policies have evolved, why forgiveness programs have become politically volatile, and what therapists need to understand about repayment options, refinancing, and employer-based student loan benefits. This conversation offers clarity on an issue that directly impacts career sustainability, burnout, and long-term financial health. About the guest:Mick MacLaverty is the CEO and co-founder of Highway Benefits, a company that helps employers offer student loan repayment as a benefit. He has spent thousands of hours researching the student debt crisis and works closely with healthcare and therapy-adjacent organizations to help employees reduce long-term loan burden. Key takeaways for therapists: Therapists often graduate with significantly more student loan debt than the average worker. Income instability makes consistent monthly repayment especially challenging. Student loan debt is driven by structural issues in education and healthcare, not individual failure. Federal loan policies and forgiveness programs can be confusing and politically driven. Employer-based student loan repayment benefits can meaningfully reduce debt and interest over time. Full show notes and transcript:https://…

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