The podcast discusses the need for tailored financial advice related to student loans, especially for medical professionals navigating complex repayment options. The idea is to create a virtual consulting service that specializes in student loan management, offering personalized advice based on individual financial situations. This service could include one-on-one consultations, workshops, and a subscription model for ongoing support. The target audience would be recent graduates, particularly in high-income professions, who often struggle with student debt. By leveraging technology, such a service could reach a broader audience while providing critical financial guidance and support.