Tony Bartels, DVM, MBA

Dr. Tony Bartels graduated in 2012 from the Colorado State University combined MBA/DVM program and is an employee of the Veterinary Information Network (VIN) and a VIN Foundation Board member. He and his wife have more than $400,000 in veterinary-school debt that they manage using federal income-driven repayment plans. By necessity (and now obsession), his professional activities include researching and speaking on veterinary-student debt, providing guidance to colleagues on loan-repayment strategies and contributing to VIN Foundation initiatives.

December 2022 Student Loan Update

What a crazy busy year in the world of student debt! It appears some of these changes and opportunities to possibly diminish your debt and shorten your repayment period will continue into 2023. As you’ve probably heard by now, on November 22nd the Department of Education announced another extension of the pandemic forbearance benefits for federal …

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VIN Foundation | veterinary resources | Blog | Class of 2020, 2021, 2022 Student Loan Renewal Note

Class of 2020, 2021, 2022 Income-Driven Repayment Renewal Note

Attention 2020, 2021, and 2022 veterinary graduates with student loans! You have some special homework to maximize all of the recently announced benefits. If you have federal student loans and you graduated into the pandemic forbearance period, here are the things your graduating classes need to know and perhaps DO soon to ensure you take …

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VIN Foundation | veterinary resources | Blog | Limited PSLF Waiver Veterinary Student Debt help

Have you ever worked for a nonprofit? Act fast to benefit from the Limited PSLF Waiver

Special time-limited expansions to PSLF Public Service Loan Forgiveness (PSLF) is a compelling student loan repayment benefit for many veterinarians, but understanding the rules for this program can be a challenge. Borrowers must be an employee of a federal, state, tribal entity or 501c3 nonprofit while using an income-driven repayment (IDR) plan to repay their federal …

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Got Federal Student Debt? You’re Now Closer to Forgiveness Than You Think

Don’t miss out on this special one-time forgiveness count adjustment opportunity. There is a natural temptation to tune out all of the complex rules and regulations around federal student loans and repayment. With confusing repayment plan qualifications and ever-changing, time-limited expansions for existing borrowers, no one would blame you for ignoring the latest and greatest …

Got Federal Student Debt? You’re Now Closer to Forgiveness Than You Think Read More »

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Veterinary School Student loan Interest RatesIncreasing Title: InRateChart_2022-23

Student Loan Interest Rates Increase for 2022-2023 Academic Year

Each spring, we closely monitor the U.S. 10-year Treasury yield to see the final number setting the federal student loan interest rates for the upcoming academic year. For the 2022-23 veterinary school academic, the answer is a continued trend of increasing student loan interest rates. Federal student loan interest rates are updated each year using …

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | free resources veterinary students veterinarians | Blog | VIN Foundation Student Loan Repayment Simulator - Forgiveness Planning Module Capital Gains Tax

Student Loan Forgiveness Planning: Capital Gains Taxes

Over the last couple of years, a common question has come up regarding capital gains taxes on student loan forgiveness planning investments. Capital gains on forgiveness planning is an excellent observation and a great thought experiment for anyone using an income-driven plan and anticipating forgiveness. I’m glad people are turning their wheels on how all …

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Federal Student Loan Repayment Pause Extended Again! Here is What You Need to Know…

Maximize the pandemic forbearance benefits by understanding your income-driven plan recertification dates. Updates at a glance: Federal student loan pandemic forbearance benefits are extended through Aug 31st, 2022. The earliest you could be required to recertify your income for an income-driven plan is March 2023. If you are married and have been filing your taxes …

Federal Student Loan Repayment Pause Extended Again! Here is What You Need to Know… Read More »

Increase in Federal Poverty Rates for 2023: Why that matters for your student loans

Each year in January, the U.S. Department of Health and Human Services (HHS) updates the federal poverty guidelines used to determine financial eligibility for certain programs. The federal student loan income-driven repayment plans are impacted by these updates.Income-driven repayment can be extremely beneficial for veterinarians. Especially for new grads who start their careers with a …

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