After taking out loans to pay for medical school and then deferring these loans through my post graduate training, my payments despite consolidating them were astronomical. Physicians are not making the same salaries they have in the past so paying my student loans and trying to raise a family was impossible. I was always told that there was nothing we could do with our loans, but then I was referred to Kara Karlson. Kara was able to negotiate much better interest rates and payments with my private and government loans. Kara is the Loan Whisperer. I have told all my professional colleagues and friends about her. We have worked hard to get to were we are and we deserve to be able to live full lives and not be slaves to our loan payments.