Exhibit 10.1

Execution Version

FIFTEENTH AMENDMENT TO CREDIT AGREEMENT

This FIFTEENTH AMENDMENT TO THE CREDIT AGREEMENT, dated as of August 18, 2025 (this “Fifteenth Amendment”), by and among LTF INTERMEDIATE HOLDINGS, INC., a Delaware corporation (“Holdings”), LIFE TIME, INC. (formerly known as LIFE TIME FITNESS, INC.), a Minnesota corporation and successor in interest to LTF MERGER SUB, INC., as borrower (the “Borrower”), the Subsidiary Guarantors party hereto, DEUTSCHE BANK AG NEW YORK BRANCH, as administrative agent (in such capacity, including any successor thereto, the “Administrative Agent”) and the 2025 Refinancing Term Loan Lenders (as hereinafter defined) party hereto. Unless otherwise indicated, all capitalized terms used herein and not otherwise defined shall have the respective meanings provided such terms in the Credit Agreement referred to below (as amended by this Fifteenth Amendment).

W I T N E S S E T H:

WHEREAS, the Borrower, Holdings, the Lenders from time to time party thereto and the Administrative Agent are parties to a Credit Agreement, dated as of June 10, 2015 (as amended by that certain Technical Amendment No. 1, dated as of July 21, 2015, that certain Technical Amendment. No. 2, dated as of September 14, 2015, that certain Third Amendment to the Credit Agreement, dated as of June 9, 2016, that certain Fourth Amendment to the Credit Agreement, dated as of January 27, 2017, that certain Fifth Amendment to the Credit Agreement, dated as of November 15, 2017, that certain Sixth Amendment to the Credit Agreement, dated as of November 29, 2017, that certain Seventh Amendment to the Credit Agreement, dated as of March 22, 2018, that certain Eighth Amendment to the Credit Agreement, dated as of January 22, 2021, that certain Ninth Amendment to the Credit Agreement, dated as of December 2, 2021, that certain Tenth Amendment to the Credit Agreement, dated as of May 9, 2023, that certain Eleventh Amendment to the Credit Agreement, dated as of December 6, 2023, that certain Twelfth Amendment to the Credit Agreement, dated as of June 27, 2024, that certain Thirteenth Amendment to the Credit Agreement, dated as of September 20, 2024, and that certain Fourteenth Amendment to the Credit Agreement, dated as of November 5, 2024, the “Credit Agreement”);

WHEREAS, on the date hereof, there are outstanding Term Loans under the Credit Agreement in an aggregate principal amount of $995,000,000 (the “Existing Term Loans”);

WHEREAS, in accordance with the provisions of Sections 2.15 and 10.01 of the Credit Agreement, the Borrower, Holdings, the Administrative Agent and the 2025 Refinancing Term Loan Lenders wish to amend the Credit Agreement to enable the Borrower to, among other things, refinance in full the aggregate amount of Existing Term Loans outstanding immediately prior to the Amendment No. 15 Effective Date (as defined below);

WHEREAS, pursuant to Section 2.15 of the Credit Agreement, the Borrower has requested that (i) the 2025 Refinancing Term Loan Lenders listed on the 2025 Refinancing Term Loan Commitment Schedule (as defined below) provide 2025 Refinancing Term Loans (as defined below) under the Credit Agreement and (ii) certain lenders who are currently Lenders with respect to Existing Term Loans under the Credit Agreement (each, a “Converting Lender”), convert all of their outstanding Existing Term Loans into 2025 Refinancing Term Loans (each such 2025 Refinancing Term Loan, a “Converting Term Loan”) in the same aggregate principal amount as such Converting Lender’s Existing Term Loan (or such lesser amount as specified by the Administrative Agent) simultaneously with the

making of other 2025 Refinancing Term Loans hereunder (such Refinancing Term Loans and Converting Term Loans, collectively the “2025 Refinancing Term Loans” and each Lender that holds a 2025 Refinancing Term Loan, a “2025 Refinancing Term Loan Lender” and, collectively, the “2025 Refinancing Term Loan Lenders”) in an aggregate principal amount of $995,000,000; and

WHEREAS, the Borrower has appointed Deutsche Bank Securities Inc., BofA Securities, Inc., Morgan Stanley Senior Funding, Inc., Wells Fargo Securities, LLC, U.S. Bank National Association, Mizuho Bank Ltd., Royal Bank of Canada, Goldman Sachs Bank USA, The Huntington National Bank and BNP Paribas Securities Corp as Arrangers in respect of the 2025 Refinancing Term Loans (each, a “2025 Refinancing Term Loan Arranger” and collectively, the “2025 Refinancing Term Loan Arrangers”).

NOW, THEREFORE, in consideration of the foregoing and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, it is agreed as follows:

SECTION 1. Amendments to Credit Agreement.

(a) 2025 Refinancing Term Loans.

(i) Subject to the satisfaction (or waiver) of the conditions set forth in Section 2 hereof and in reliance upon the representations and warranties set forth in Section 3 hereof, the 2025 Refinancing Term Loan Lenders severally, but not jointly, hereby agree to (x) make 2025 Refinancing Term Loans to the Borrower on the Amendment No. 15 Effective Date in the aggregate principal amount of such 2025 Refinancing Term Loan Lender’s 2025 Refinancing Term Loan Commitment (as defined below) and/or (y) convert their Existing Term Loans into 2025 Refinancing Term Loans pursuant to Section 6(f), as applicable.

(ii) The Administrative Agent has prepared a schedule attached hereto as Schedule A (the “2025 Refinancing Term Loan Commitment Schedule”) which sets forth the “2025 Refinancing Term Loan Commitment” of each 2025 Refinancing Term Loan Lender set forth therein.

(iii) The 2025 Refinancing Term Loans shall be designated as a new Class of Term Loans under the Credit Agreement, with terms and provisions identical to the Existing Term Loans, except as set forth herein.

(b) Additional Credit Agreement Amendments. Each of the parties hereto agrees that, subject to the satisfaction (or waiver) of the conditions set forth in Section 2 hereof and upon the making of the 2025 Refinancing Term Loans, the Credit Agreement shall be amended to delete the stricken text (indicated textually in the same manner as the following example: stricken text) and to add the double-underlined text (indicated textually in the same manner as the following example: double-underlined text) as set forth in the pages of the Credit Agreement attached as Annex II hereto.

SECTION 2. Conditions of Effectiveness of this Fifteenth Amendment. This Fifteenth Amendment shall become effective and each 2025 Refinancing Term Loan Lender shall disburse the 2025 Refinancing Term Loans to be made by it pursuant to Section 1(a) on the date (the “Amendment No. 15 Effective Date”) when the following conditions shall have been satisfied (or waived):

(a) the Administrative Agent (or its counsel) shall have received (x) from the Borrower, Holdings, each Guarantor, the Administrative Agent, and each 2025 Refinancing Term Loan Lender,

counterparts of this Fifteenth Amendment signed on behalf of such parties and (y) from each Converting Lender, a Refinancing Lender Consent substantially in the form of Annex I hereto (the “Refinancing Lender Consent”) (in each case, including by way of facsimile or other electronic transmission);

(b) substantially simultaneously with the making of the 2025 Refinancing Term Loans, the Borrower shall have paid, by wire transfer of immediately available funds (x) all reasonable and documented in reasonable detail costs, fees, out-of-pocket expenses (including the reasonable and documented in reasonable detail fees, disbursements and other charges of Davis Polk & Wardwell LLP in connection with this Fifteenth Amendment), and in the case of the costs and out-of-pocket expenses, to the extent invoiced at least one Business Day prior to the Amendment No. 15 Effective Date and (y) compensation and other amounts then due and payable pursuant to the Engagement Letter, dated as of August 11, 2025, by and between the Borrower and Deutsche Bank Securities Inc. and the Fee Letter (as defined in the Engagement Letter);

(c) on the Amendment No. 15 Effective Date and after giving effect to this Fifteenth Amendment, and the making of the 2025 Refinancing Term Loans, (i) no Default or Event of Default shall have occurred and be continuing and (ii) all of the representations and warranties of each Loan Party contained in this Fifteenth Amendment, the Credit Agreement and the other Loan Documents shall be true and correct in all material respects before and after the effectiveness of this Fifteenth Amendment and the making of the 2025 Refinancing Term Loans or the application of the proceeds thereof; provided that, to the extent that such representations and warranties specifically refer to an earlier date, they shall be true and correct in all material respects as of such earlier date; provided, further, that any representation and warranty that is qualified as to “materiality,” “Material Adverse Effect” or similar language shall be true and correct (after giving effect to any qualification therein) in all respects on and as of the Amendment No. 15 Effective Date or such earlier date;

(d) the Administrative Agent shall have received a certificate executed by a Responsible Officer of the Borrower certifying compliance with the requirements of the preceding clause (c);

(e) the Administrative Agent shall have received (x) no fewer than two Business Days prior to the Amendment No. 15 Effective Date a Committed Loan Notice, duly executed by the Borrower, for the Borrowing of the 2025 Refinancing Term Loans pursuant to this Fifteenth Amendment and (y) no fewer than three Business Days prior to the Amendment No. 15 Effective Date, a prepayment notice pursuant to (and in accordance with the terms of) Section 2.05(1)(a) of the Credit Agreement;

(f) there shall have been delivered to the Administrative Agent (A) certificates of good standing from the secretary of state of the state of organization of each Loan Party (to the extent such concept exists in such jurisdiction), customary certificates of resolutions or other action, and incumbency certificates, (B) a certificate of a Responsible Officer of the Borrower (which may be contained in the same certificate as the certificate delivered pursuant to the preceding clause (d)), certifying that since the Amendment No. 14 Effective Date, except as attached to such certificate, there have been no changes to the Organizational Documents of the Loan Parties and/or attaching copies of any such Organizational Documents that have changed since the Amendment No. 14 Effective Date and (C) a solvency certificate from a Responsible Officer of the Borrower (after giving effect to the 2025 Refinancing Term Loans) substantially in the form attached to the Credit Agreement as Exhibit I;

(g) the Administrative Agent shall have received an opinion from (i) Latham & Watkins LLP, special New York counsel to the Loan Parties and (ii) Faegre Drinker Biddle & Reath LLP, special Minnesota counsel to the Loan Parties, in each case in form and substance reasonably satisfactory to the Administrative Agent and addressed to the Administrative Agent and the 2025 Refinancing Term Loan Lenders;

(h) [reserved];

(i) [reserved]; and

(j) the Administrative Agent shall receive, simultaneously with such funding, funds sufficient to refinance in full the principal amount of all Existing Term Loans (other than Converting Term Loans) and pay, in connection therewith, all accrued and unpaid interest on all Existing Term Loans.

SECTION 3. Representations and Warranties. To induce the Administrative Agent and the 2025 Refinancing Term Loan Lenders party hereto to enter into this Fifteenth Amendment and each Refinancing Lender Consent, each of the Borrower and Holdings represents and warrants to the Administrative Agent and the 2025 Refinancing Term Loan Lenders party hereto on and as of the Amendment No. 15 Effective Date:

(a) all of the representations and warranties of each Loan Party contained in the Credit Agreement and the other Loan Documents are true and correct in all material respects on and as of the Amendment No. 15 Effective Date; provided that, to the extent that such representations and warranties specifically refer to an earlier date, they shall be true and correct in all material respects as of such earlier date; provided further that any representation and warranty that is qualified as to “materiality,” “Material Adverse Effect” or similar language shall be true and correct (after giving effect to any qualification therein) in all respects on and as of the Amendment No. 15 Effective Date or such earlier date; and

(b) no Default or Event of Default exists as of the Amendment No. 15 Effective Date, or would result from the making of the 2025 Refinancing Term Loans or the application of the proceeds therefrom.

SECTION 4. Reaffirmation of Guaranty. Each Guarantor reaffirms its guarantee of the Guaranteed Obligations (as defined in the Guaranty) under the terms and conditions of the Guaranty and agrees that such guarantee remains in full force and effect and is hereby ratified, reaffirmed and confirmed. Each Guarantor hereby confirms that it consents to the terms of this Fifteenth Amendment, including, without limitation, the refinancing in full of the Existing Term Loans under the Credit Agreement in the form of 2025 Refinancing Term Loans and which constitute “Guaranteed Obligations” of such Guarantor under the Guaranty as amended by this Fifteenth Amendment. Each Guarantor hereby (i) confirms that each Loan Document to which it is a party or is otherwise bound will continue to guarantee, to the fullest extent possible in accordance with the Loan Documents, the payment and performance of the Guaranteed Obligations, including, without limitation, the payment and performance of all such applicable Guaranteed Obligations that are joint and several obligations of each Guarantor now or hereafter existing; (ii) acknowledges and agrees that its Guaranty and each of the Loan Documents to which it is a party or otherwise bound shall continue in full force and effect and that all of its obligations thereunder shall be valid and enforceable and shall not be impaired or limited by the execution or effectiveness of the Fifteenth Amendment; and (iii) acknowledges, agrees and warrants for the benefit of the Administrative Agent and each Secured Party that there are no rights of set-off or counterclaim, nor any defenses of any kind, whether legal, equitable or otherwise, that would enable such Guarantor to avoid or delay timely performance of its obligations under the Loan Documents (except to the extent such obligations constitute Excluded Swap Obligations (as defined in the Guaranty) with respect to such Guarantor).

SECTION 5. Reaffirmation of Security Agreement.

(a) Each Loan Party hereby acknowledges that it has reviewed and consents to the terms and conditions of this Fifteenth Amendment and the transactions contemplated hereby, including, without limitation, the refinancing in full of the Existing Term Loans under the Credit Agreement in the form of 2025 Refinancing Term Loans. In addition, each Loan Party reaffirms the security interests granted by such Loan Party under the terms and conditions of the Security Agreement to secure the Obligations and agrees that such security interests remain in full force and effect and are hereby ratified, reaffirmed and confirmed. Each Loan Party hereby confirms that the security interests granted by such Loan Party under the terms and conditions of the Security Agreement secure each of the 2025 Refinancing Term Loans as part of the Obligations. Each Loan Party hereby (i) confirms that each Loan Document to which it is a party or is otherwise bound and all Collateral (as defined in the Security Agreement) encumbered thereby will continue to guarantee or secure, as the case may be, to the fullest extent possible in accordance with the Loan Documents, the payment and performance of the Obligations, as the case may be, including, without limitation, the payment and performance of all such applicable Obligations that are joint and several obligations of each Loan Party now or hereafter existing, (ii) confirms its respective grant to the Collateral Agent for the benefit of the Secured Parties of the security interest in and continuing Lien on all of such Loan Party’s right, title and interest in, to and under all Collateral (as defined in the Security Agreement), whether now owned or existing or hereafter acquired or arising and wherever located, as collateral security for the prompt and complete payment and performance in full when due, whether at stated maturity, by required prepayment, declaration, acceleration, demand or otherwise, of all applicable Obligations (including all such Obligations as amended, reaffirmed and/or increased pursuant to this Fifteenth Amendment), subject to the terms contained in the applicable Loan Documents, and (iii) confirms its respective guarantees, pledges, grants of security interests and other obligations, as applicable, under and subject to the terms of each of the Loan Documents to which it is a party.

(b) Each Loan Party acknowledges and agrees that each of the Loan Documents to which it is a party or otherwise bound shall continue in full force and effect and that all of its obligations thereunder shall be valid and enforceable and shall not be impaired or limited by the execution or effectiveness of this Fifteenth Amendment.

SECTION 6. Reference to and Effect on the Credit Agreement and the Loan Documents.

(a) This Fifteenth Amendment shall constitute a Refinancing Amendment and a Loan Document under the Credit Agreement.

(b) On and after the Amendment No. 15 Effective Date, (i) each reference in the Credit Agreement to “this Agreement,” “hereunder,” “hereof” or words of like import referring to the Credit Agreement shall mean and be a reference to the Credit Agreement, as amended by this Fifteenth Amendment, (ii) each 2025 Refinancing Term Loan Lender shall constitute a “Lender” under (and as defined in) the Credit Agreement after giving effect to this Fifteenth Amendment, (iii) the 2025 Refinancing Term Loans shall constitute “Closing Date Term Loans” under (and as defined in) the Credit Agreement after giving effect to this Fifteenth Amendment and (v) the Amendment No. 15 Effective Date shall constitute the “Amendment No. 15 Effective Date” under (and as defined in) the Credit Agreement.

(c) The Credit Agreement and each of the other Loan Documents, as specifically amended by this Fifteenth Amendment, are and shall continue to be in full force and effect and are hereby in all respects ratified and confirmed. Without limiting the generality of the foregoing, the Collateral Documents and all of the Collateral described therein do and shall continue to secure the payment of all

Obligations of the Loan Parties under the Loan Documents, in each case, as amended by this Fifteenth Amendment.

(d) The execution, delivery and effectiveness of this Fifteenth Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of any Lender or the Administrative Agent under any of the Loan Documents, nor constitute a waiver of any provision of any of the Loan Documents.

(e) Notwithstanding anything in the Credit Agreement to the contrary, the 2025 Refinancing Term Loans shall be funded as SOFR Rate Loans with an initial Interest Period of one month ending on September 5, 2025.

(f) Each Converting Lender that executes and delivers a Refinancing Lender Consent electing the “Consent and Cashless Roll Option” shall be deemed to agree, upon the effectiveness of this Fifteenth Amendment on the Amendment No. 15 Effective Date that (i) all (or such lesser amount as the Administrative Agent may allocate to such Lender) of its Existing Term Loans shall constitute 2025 Refinancing Term Loans under the Credit Agreement (each such 2025 Refinancing Term Loan, to such extent, a “Cashless Converting Loan”) and (ii) it waives any right to receive its share of the prepayment of Existing Term Loans referred to in Section 2(j), solely to the extent of such Cashless Converting Loans.

(g) Each existing Term Lender that executes and delivers a Refinancing Lender Consent electing the “Consent and Assignment Option” shall be repaid in full (or such lesser amount as the Administrative Agent may allocate to such Term Lender) on the Amendment No. 15 Effective Date, including for all accrued and unpaid interest, fees, expenses and other compensation owed to such Term Lender and due and payable by the Borrower pursuant to the Credit Agreement and this Fifteenth Amendment. Each such Term Lender agrees that it shall be deemed to have executed an Assignment and Assumption pursuant to Section 10.07 of the Credit Agreement on the Amendment No. 15 Effective Date and to have purchased a principal amount of 2025 Refinancing Term Loans in an amount equal to the principal amount of such repayment (or such lesser amount as the Administrative Agent may allocate to such Term Lender).

(h) This Fifteenth Amendment may not be amended, modified or waived except pursuant to a writing signed by each of the parties hereto.

SECTION 7. Exculpatory Provisions. Notwithstanding any other provision of this Fifteenth Amendment or any provision of any other Loan Document, each 2025 Refinancing Term Loan Arranger is named as such for recognition purposes only, and in its capacity as such shall have no powers, duties, responsibilities or liabilities with respect to this Fifteenth Amendment or the other Loan Documents or the transactions contemplated hereby and thereby; it being understood and agreed that each 2025 Refinancing Term Loan Arranger shall be entitled to all rights in favor of an Arranger as, and to the extent, provided for under Sections 9.03, 10.05 and 10.23 of the Credit Agreement. Without limitation of the foregoing, each 2025 Refinancing Term Loan Arranger shall not, solely by reason of this Fifteenth Amendment or any other Loan Documents, have any fiduciary relationship in respect of any 2025 Refinancing Term Loan Lender or any other Person.

SECTION 8. Governing Law. THIS FIFTEENTH AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK (WHETHER IN CONTRACT, TORT OR OTHERWISE AND IN LAW OR EQUITY).

SECTION 9. Counterparts. This Fifteenth Amendment may be executed in counterparts (and by different parties hereto in different counterparts), each of which shall constitute an original, but all of which when taken together shall constitute a single contract. Delivery of an executed counterpart of a signature page of this Fifteenth Amendment by telecopy or other electronic imaging (including in .pdf format) means shall be effective as delivery of a manually executed counterpart of this Fifteenth Amendment.

SECTION 10. Electronic Execution. The words “execution,” “signed,” “signature,” and words of like import in this Fifteenth Amendment or in any amendment or other modification hereof (including waivers and consents) shall be deemed to include electronic signatures or the keeping of records in electronic form, each of which shall be of the same legal effect, validity or enforceability as a manually executed signature or the use of a paper-based recordkeeping system, as the case may be, to the extent and as provided for in any applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records Act, or any other similar state laws based on the Uniform Electronic Transactions Act.

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IN WITNESS WHEREOF, the parties hereto have caused their duly authorized officers to execute and deliver this Fifteenth Amendment as of the date first above written.

LIFE TIME, INC., as Borrower

By: /s/ Erik Weaver

Name: Erik Weaver

Title: Executive Vice President and Chief Financial Officer

LTF INTERMEDIATE HOLDINGS, INC., as
Holdings and Guarantor

By: /s/ Erik Weaver

Name: Erik Weaver

Title: Chief Financial Officer

[Signature Page to Life Time Fifteenth Amendment]

LTF CLUB OPERATIONS COMPANY, INC., as Guarantor,

Life Time Group Holdings, Inc. 8-K