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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 | 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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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | New Grad Student Loan Questions and Answers: Consolidation

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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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Veterinary School Student loan Interest Rates for 2019-20 Academic Year Decreasing

Lower Student Loan Interest Rates for 2019

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 2021-22 veterinary school academic, the answer is higher interest rates than last year, but some of the lowest interest rates seen in the last decade. Federal student loan interest rates are

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Top 5 Mistakes Made by Veterinarians Using Income-driven Repayment

Top 5 Mistakes Made by Veterinarians Using Income-Driven Repayment

The below piece was originally published as a guest post on Financial Wellness DVM. Repaying student loans is stressful and complicated.  For recent graduate veterinarians, high student loan balances coupled with starting salaries lower than their student debt total are the norm.  Depending on the school you attended or the practice type and region where you’re

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | In-School Loan Estimator expands VIN Foundation Student Debt Part 2

Veterinary Student Debt Questions and Answers Part 2

VIN Foundation partnered with Under the Microscope to bring you a free follow up webinar: Veterinary Student Debt Questions and Answers Part 2 What In Part 1 we covered the basics and answered questions. For Part 2 we talked through actual cases. Feel free to add your questions, comments, experiences, and suggestions to add to

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Furloughed and Unpaid Federal Veterinarians

Furloughed and Unpaid Federal Veterinarians

More than 3,000 veterinarians are Federal Government employees (USDA, FDA, EPA), and many work for agencies who are impacted when the government shuts down. Even though the longest shutdown in U.S. history as just come to a close, there is a chance this will happen again in the future and impacted folks may still not

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | In-School Loan Estimator expands VIN Foundation Student Debt

Veterinary Student Debt Questions and Answers

VIN Foundation has partnered with Under the Microscope to bring you a free webinar: Veterinary Student Debt Questions and Answers You asked. You expressed concern. You have questions about how best to handle your student debt. We have answers. After working with thousands of veterinary students and veterinarians in repayment for the better part of

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Choosing the Best Veterinary School for You

Choosing the Best Veterinary School for You

Choosing the veterinary schools you apply to is an exciting, yet confusing process. Several publications generate lists of the “best” veterinary schools using various criteria. Unlike some other professions, which veterinary school you attend likely won’t impact your future earnings or career options. However, which school you attend can have a significant impact upon the

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | VETERINARY NEW GRADUATE STUDENT LOAN PLAYBOOK

2018 New Veterinary Graduate Student Loan Playbook

Attention 2022 Veterinarians: Graduate, Consolidate, Get Started in Income-Driven Repayment 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

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