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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.

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | prevet resources veterinary student resources veterinarian resources | Nonprofit free veterinary resources | Blog | Student Loan FAQs: The one-time forgiveness count adjustment

Student Loan FAQs: The one-time forgiveness count adjustment

25 Comments / Veterinary Questions & Answers, Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

What is the one-time forgiveness count adjustment? The one-time forgiveness count adjustment for federally-held student loans is a lesser-known, more confusing, yet more widely available special benefit announced in April 2022. Anyone with federally-held student loans is eligible to receive the adjustment. Essentially, the adjustment will count any repayment time, and certain deferment or forbearance […]

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Find your income-driven repayment anniversary date

I have federal student loans. When do I need to recertify my income?

1 Comment / Veterinary Questions & Answers, Veterinary Student Debt, Veterinary Student Loans / By

One of the most common questions recently asked by veterinarians in student loan repayment using any of the income-driven repayment plans (IBR, PAYE, REPAYE, ICR) is “When do I need to provide my income information again? Is it before the special pandemic forbearance benefits end? Is it after? How do I know?”

I have federal student loans. When do I need to recertify my income? Read More »

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | prevet resources veterinary student resources veterinarian resources | Nonprofit free veterinary resources | Blog | Student Debt Questions & Answers - from 3rd year veterinary students

Student Debt Questions & Answers – from 3rd year veterinary students

1 Comment / Veterinary Questions & Answers, Veterinary Resources, Veterinary Student Debt / By

Student Debt Q&A from students The following are questions asked during recent Climbing Mt. Debt sessions with 3rd year veterinary students at U.S. colleges of veterinary medicine. They will be graduating in 2024, likely facing an updated student loan repayment framework and transitionary deadlines.  With all of the recent changes to federal student loans (current

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A ‘new’ income-driven repayment plan?

4 Comments / Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

Federal student debt proposal would change REPAYE, phase out PAYE Buried in a sea of federal student loan announcements and changes over the last few years was the promise of a new income-driven repayment plan. Now we know how parts of that promise will be implemented when the pandemic forbearance benefits end this summer. The

A ‘new’ income-driven repayment plan? Read More »

Comments to the Department of Education on proposed IDR changes

1 Comment / Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

Changes are coming to income-driven repayment: Updates to REPAYE, PAYE and ICR phased out Below is a the comment I plan to submit to the Department of Education on the proposed changes to income-driven repayment.  I encourage you to review the changes that we have detailed here. Consider how the propsed changes will impact your

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December 2022 Student Loan Update

Leave a Comment / Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

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

December 2022 Student Loan Update Read More »

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

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

Leave a Comment / Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

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

Leave a Comment / Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

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

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

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Student Debt | Special Cancellation of Up to $20,000 of Student Debt. Are You Eligible?

Special Cancellation of Up to $20,000 of Student Debt. Are You Eligible?

1 Comment / Veterinary Student Debt, Veterinary Student Debt Relief, Veterinary Student Loans / By

On August 24th, 2022, the White House announced the news of a special one-time cancellation of up to $20,000 of federally held student loan debt. The amount of debt cancellation will depend on your income and whether you received a Pell Grant in college.

Special Cancellation of Up to $20,000 of Student Debt. Are You Eligible? Read More »

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VIN Foundation
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Tax ID: 20-1890163

The VIN Foundation is a 501(c)(3) nonprofit made possible through generous gifts by individual donors and grants. All gifts made to the VIN Foundation are tax-deductible. The VIN Foundation is a four-star rated charity through Charity Navigator, and has received the highest level rating from nonprofit tracker Candid (formerly GuideStar) annually since 2017. Less than 2% of the nonprofits tracked receive this level of recognition.

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