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Credit scores are an incredibly important financial tool. Many doctors, especially trainee and early-career doctors, are burdened by a low credit score because of the significant debt they take on while receiving low pay. Credit scores affect your interest rate and options for personal loans, mortgages, practice loans and other banking products.

We get it, because we’ve been there. As a doctor or in-training, you are likely incredibly busy. We know speed and convenience are crucial, so when it comes to paying for anything, it’s easy to reach for a credit card. Credit card debt can quickly become overwhelming, especially for busy physicians, dentists, and veterinarians who are in training or practice. 

Medical, dental and veterinary professionals endure years of education and training to be well equipped to serve their patients. Despite the years of learning, doctors often graduate with little financial knowledge. One financial concept that doctors will encounter often as they search for loan products is debt-to-income (DTI) ratio.