Read the fine print on the Clinician Advance -- I thought I'd be paying it back in across 9-12 months but they took it out in 2 lump sum payments I'm still trying to recover from a year later. No PTO or holiday pay - if you don't work, you don't get paid. No base salary so you're punished for client cancellations/no-shows. Have to spend multiple hours a month on mandatory training without pay.