🚨 This isn’t final yet—but it could change everything. Congress is proposing a brand-new student loan repayment plan called IBR RAP—and it’s not just a tweak.

We're talking about interest forgiveness, a $50 cap on principal reduction, and a repayment structure that flips everything we’ve known about IDR plans.

In this LIVE from YouTube, we’ll walk through:

✅ What the proposal actually says (not the headlines)

✅ Real payment examples: $10, $50, $400, and what gets forgiven

✅ Whether this is better or worse than SAVE, PAYE, or IBR

✅ What this means for your loan balance, forgiveness timeline, and financial plan

✅ Why some borrowers are already saying this violates their Master Promissory Note—and could lead to lawsuits

⚠️ If you’ve ever been told you’re locked into PAYE or New IBR, this plan could force you off those repayment options—no grandfathering. That’s where the legal firestorm begins.

🎯 Whether you’re paying off loans or hoping for forgiveness, this could impact your entire financial strategy.

💬 Drop your questions in the chat—this is your chance to get clarity before anything becomes law.

📌 FitBUX has helped 20,000+ borrowers manage over $2.9 billion in student loans and assets. We’re here to simplify the chaos and help you make confident decisions.

What happens when a burnt-out nurse decides to rewrite the rules? In this powerful episode, we sit down with Ebony Tillery, a Brooklyn native turned 7-figure nursepreneur, to unpack the raw, real story behind her transformation—from working grueling bedside shifts to building a thriving virtual weight loss clinic and teaching other NPs to do the same.

We dive into:

✅ The breaking point that sparked her leap from burnout to business
✅ Growing up in Brooklyn and breaking free from the expectations that hold so many back
✅ How trauma, divorce, and solo homebuying built unshakable resilience
✅ The biggest fears she faced going virtual—and how she pushed through
✅ What freedom really looks like as a mom and entrepreneur
✅ Why so many nurses stay stuck (and how to break the cycle)
✅ Her journey investing in real estate and crypto—without a financial background
✅ What she tells NPs sitting in their car before a shift, feeling hopeless

Whether you’re just starting out, stuck in burnout, or dreaming of something more—Ebony’s story proves you don’t need permission to build a life on your terms. You just need a plan, belief, and one small step.

🎓 Why does it cost so much to become a DPT—and what can we do about it?

In this episode, I sit down with Dr. Richard Severin, DPT, to explore the growing cost of physical therapy education. We take a deep dive into:

• 📉 Application trends and what they reveal

• 🏫 Public vs. private DPT programs

• 💡 Creative (and realistic) ways to fix the system

Whether you're a current PT student, a new grad, or just considering the profession—this is a must-watch.

The house education and workforce committee rolled out its plan for higher education and student loans today.

It has a LONG way to become law but I've seen people freaking out all over social media about it... which is ironic because there is a lot of good stuff in it that in my opinion is way better than the current plans.

I usually don't do any content on this type of stuff until it becomes law.

However, because of the mass hysteria I've seen today, I'm going to jump on a live in about 5 minutes. I'll be discussing what is in it, what is good, what is bad, and WHO IT WILL APPLY TO...

Need financial help? Be sure to become a member at https://www.fitbux.com

What’s coming for student loans over the next 3.5 years?

There is a lot more than you’ve been told.

Are there actually going to be changes? In this live stream, we’re unpacking everything:

✅ The shift from the Department of Education to the SBA

✅ Proposed changes to IBR and the future of IDR plans

✅ The risk of PSLF disappearing as non-profit status comes under fire

Are these real threats or just headlines.

Whether you’re chasing forgiveness, aggressively paying off debt, or somewhere in between… the next few years will separate those who plan from those who panic.

We’ll also cover: – What these changes really mean for new grads and borrowers – How to avoid the blind spots that trip up most borrowers – The steps you can take today to adapt before it’s too late

Oh and by the way, I also touch on tariffs....

Running a business in the allied health space comes with its fair share of challenges. But what if there was a way to streamline your operations, save time, and cut costs? In this episode, we sit down with a team member from Jane App to dive into how their software is making life easier for business owners like you.

We cover:

✅ The history of Jane App and its mission
✅ How it simplifies scheduling, billing, and documentation
✅ Why PTs and other allied health professionals love it
✅ How its features help you save time and money

🔗 Want to get to know Jane a little better? Check out Jane App here

📅 Book a demo and chat with their team: Book a Demo

🚀 Ready to jump in? Get a 1-month grace period on your new Jane App account using the code FITBUX.

If you’re a PT or allied health professional looking for a better way to manage your practice, this is a must-watch!

👉 The stock market looks dangerously overvalued — and it’s not just the S&P 500. Since 2008, the market has been propped up by low interest rates and Fed intervention… but now the cracks are starting to show.

In this live video, we’ll break down:

✅ The S&P 500’s PE ratio — why it’s flashing warning signs
✅ How the Fed’s latest moves could push the market over the edge
✅ The truth about tariffs, housing affordability, and why it’s all connected If you’re wondering whether we’re on the edge of a major crash — or even a full-blown economic disaster — you won’t want to miss this.

In this episode, FitBUX founder Joseph Reinke sits down with Karen Litzy, a self-employed healthcare entrepreneur and host of one of the largest podcasts in the industry.

Karen shares her journey from clinician to business owner, breaking down the ups and downs of running a healthcare business, the lessons she's learned, and the strategies that have fueled her success.

She also reveals the technologies and services she uses to streamline her operations, the biggest challenges she’s faced, and her best advice for healthcare professionals looking to grow their own business or brand.

Whether you're a healthcare provider, entrepreneur, or someone looking to scale a service-based business, this episode is packed with real-world insights you can apply today.