At Vertex, we know that student loans are one of the biggest financial challenges facing physical therapists today. If you are a PT in Columbia, SC, those loan payments can add stress to your career. That is why we are offering a new benefit for our full-time PTs: educational assistance under Section 127 of the Internal Revenue Code.

What Is Section 127?

Section 127 allows employers to provide up to $5,250 per year in educational assistance benefits that are excluded from taxable income. This means you can reallocate a portion of your salary toward eligible educational expenses, including student loan repayment, and that portion is not treated as taxable income.

This does not mean we pay off your loans for you. You will still make your regular student loan payments. The difference is that you are doing so in a tax-advantaged way, which helps you keep more of your paycheck instead of sending it to the government.

How It Works at Vertex PT

  • Eligibility: Full-time physical therapists at Vertex PT in Columbia, SC are eligible for Section 127 educational assistance.

  • What It Covers: Includes student loan repayment assistance as part of the educational assistance benefit.

  • Tax Benefit: Amounts applied under Section 127 are excluded from taxable income.

  • Your Role: You continue making your payments, but with the added benefit of paying less tax on that portion of your salary.

Why It Matters

We started Vertex PT to be more than just another physical therapy clinic. Our mission is to provide excellent patient care while building a workplace that supports our team’s growth and financial stability.

By offering Section 127 educational assistance, we are giving our PTs a way to reduce the tax burden that comes with student loan payments. It is not a handout. It is a benefit that helps you keep more of what you have already earned.

Ready to Join the Team?

If you are a licensed physical therapist looking for a clinic in Columbia, SC that invests in both patient care and employee well-being, we would love to hear from you. Send your resume to info@vertexpt.com.

Working with elite athletes is part of our everyday mission. Recently, our team had the privilege of helping Matthew Boling (@matthew_boling1) — one of the fastest sprinters in the world and a contender for the 2028 Summer Olympics in Los Angeles (LA 2028) — return to form on the track.

While not every patient we see is preparing for the Olympic Games, the same principles that help world-class athletes perform at their best also apply to high school athletes, weekend warriors, and anyone in our community who wants to move, train, and live without limitations.

Our Approach to Sports Physical Therapy

At our clinics in Columbia, Irmo, and Cayce, we specialize in:

  • Sports injury rehabilitation: Addressing everything from sprains and strains to complex post-surgical recovery.

  • Performance physical therapy: Helping athletes improve speed, strength, and resilience through evidence-based training.

  • Injury prevention: Correcting movement patterns and reducing risks before they turn into setbacks.

Why Athletes Trust Vertex PT

Our physical therapists combine years of clinical expertise with hands-on experience working with athletes at every level — from Olympians and professional competitors to youth athletes across the Midlands. The goal is always the same: help you recover faster, perform better, and come back stronger.

Serving the Columbia Area

With clinics located in Columbia, Irmo, and Cayce, we are proud to serve patients throughout West Columbia and the greater Midlands. Whether you’re chasing Olympic dreams or simply want to stay active with your family, Vertex PT Specialists is here to guide your recovery and performance journey.

Ready to take the next step in your recovery or training? Schedule an appointment at one of our Columbia-area clinics today.