Successful Married Florida Couple Become Physical Therapists with Over $200K in Student Loan Debt. They Pay it Off in 18 Months with Income from Side Hustle

Zack Love
4 min readMar 16

A couple in Florida become physical therapists with over $200K in student loan debt combined, but a lucrative side hustle helps them get debt free.

Andrea and Kyle Rice; credit: Kyle Rice

One couple proves that hard work pays off, and do so by earning enough with their side hustle to pay off $205,000 in student loan debt while getting their degrees as physical therapists.

The U.S. Sun reported that Kyle and Andrea Rice grew up next door to each other in Clearwater, Florida.

Kyle, 36, graduated in 2013, and Andrea, 27, graduated in 2017 from physical therapy school, and it wasn’t cheap. Together, they had $205,000 in student debt taken to pay for college.

Kyle told the U.S. Sun explained the realization of how much debt they had.

He said:

“You understand you’re going to have to take out debt. You just don’t really understand the volume or the amount of it and what that really means, like what $200,000 in debt really means to someone who’s coming out of undergrad.” -Kyle Rice (Source: The U.S. Sun)

The thought of all of their combined debt weighed down on Kyle and Andrea.

Kyle said:

“It was always feeling like you were in somewhat of a financial prison where your money was never your money.”

“You couldn’t go out and buy anything because you felt like I have this looming debt over me that I’ll never be able to pay off.” -Kyle Rice (Source: The U.S. Sun)

The Statistics of Physical Therapist jobs w/ only a Bachelor’s degree

The Bureau of Labor Statistics reported that the median annual physical therapist salary in 2019 was $89,440, or…

Zack Love

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