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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 | Blog | Apply Smarter Q&A: Veterinary School Veterinary Income

Apply Smarter Q&A: Veterinary Income

Here are some questions and detailed answers about Veterinary Income asked during the Apply Smarter webinars. We also covered questions and answers about veterinary school application and veterinary student loans. “I’ve heard that it is very tough to have a job while attending vet school? Is it because the program is intense?” Yes, the curriculum […]

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | COVID-19 impact to your student loans

COVID-19 Impact to Your Student Loans

CARES Act federal student loan relief explained! — UPDATE, April 30, 2020 — Since VIN and VIN Foundation held a free webinar to explain how the recent CARES Act and the Department of Education guidance on student loan relief for federal student loan borrowers impacts veterinary student loan borrowers, we have had several questions come in.  The most common

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Should I refinance my Federal Student Loans?

Should I Refinance My Federal Student Loans?

HOW TO KNOW IF OR WHEN YOU SHOULD REFI YOUR FEDERAL STUDENT LOANS Managing your veterinary student debt can be as emotionally charged as managing patients. But, in finances as in medicine, the best decisions are evidence-based. The bombardment of marketing campaigns encouraging you to refinance your federal student loans into a private loan(s) can

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A better use of associate and employer funds

Employer Assisted Student Loan Repayment Benefits for Veterinarians

We have run thousands of student-loan repayment simulations for veterinarians in an effort to help them navigate their student loans and repayment options. The results have shown for situations where student debt exceeds income, the most flexible and financially beneficial repayment strategies are counterintuitive.Contrary to conventional wisdom, loans with shorter terms and lower interest rates don’t necessarily

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | income-driven-repayment-plan-application-2019

Applying For or Renewing Your Income-Driven Repayment Plan

A small, but significant change to the Department of Education (ED) updates Income-Driven Repayment (IDR) Plan Request was made in 2019.  The IDR Plan Request form allows you to apply, renew, or update your student loan payment using Revised Pay as You Earn (REPAYE), Pay as you Earn (PAYE), Income-Based Repayment (IBR) or Income-Contingent Repayment (ICR) for

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | How Income-Driven Repayment Works: The Math

How Income-Driven Repayment Works: The Math

“I was looking at the income-driven repayment plans, and the Pay As You Earn (PAYE) option seems like it will cost me the least amount of money. However, everything I read online says that the income-driven repayment plans cost you more money because although they lower your monthly payment, you ultimately pay more interest in

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New Grad Student Loan Questions and Answers: Income-Driven Repayment (PAYE, REPAYE, IBR)

Here are some questions about Income-Driven Repayment (IDR) that we tackled live during the 2019 New Veterinary Graduate Student Loan Repayment Webinar. “Do we have to select a repayment plan every year or will we stay in the first one by default?” If you do not select any repayment plan you will be placed in

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | 2019 New Veterinary Graduate Student Loan Playbook

Repay Wiser: 2019 New Veterinary Graduate Student Loan Playbook

Do you have student loans? Are you confused about how or when to get your repayment plan started? What’s the “best” strategy for paying your student loans now that you’ve graduated veterinary school? The VIN Foundation Class of 2022 New Veterinary Graduate Student Loan Playbook is here to help! CLASS OF 2022 NEW GRADUATE PLAYBOOK

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