As I've pursued my doctorate in physical therapy, I had been telling myself it wasn’t the right time to learn more about finance and money matters. If I was being honest with myself, however, I was avoiding the topic altogether because I didn’t know where to start or what questions to ask.

Eventually, I stumbled on the APTA Financial Solutions Center while researching APTA membership benefits. Three services were laid out in plain language: financial education, student loan refinancing, and certified financial planning.