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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


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 the conversation by commenting below or emailing us


Case 1: High Student Debt Scenario

  • Which plan should I use?
  • How much do I pay?
  • How do I plan for forgiveness?


Case 2: Low Student Debt Scenario

  • I didn’t borrow that much – What if I don’t need income-driven repayment?
  • When do I pay more? And How much more do I pay?
  • Should I or When do I refinance?


Case 3: Married Student Debt Scenario

  • Double Vet, Double Debt
  • One vet, spouse with no debt
  • Community property states

Tony Bartels, DVM, MBA joined Carl Darby, MA, VETMB for a discussion on your veterinary student debt questions and answers. Presented by VIN Foundation, VIN and Under the Microscope.


After working with thousands of veterinary students and veterinarians in repayment for the better part of the last ten years, we’ve amassed a lot of data, perspective, and experiences to help shed light on common veterinary student debt scenarios, much of which you can see reflected in the VIN Foundation Student Debt Center.

View the presentation below, and we encourage you to leave feedback or ask a question below in the comments!

If you don’t have time to watch the full presentation above, here are the presentation materials with links to valuable resources:

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 have received back pay. 


This puts veterinary colleagues who work for the government and get furloughed, or otherwise do not receive income for working in an even tougher position if they have student loans. However, any reduction of your income (like when the government shuts down) provides a reason to re-evaluate your student debt repayment strategy and consider an income-driven student loan repayment plan (IBR, PAYE, REPAYE) to reduce your current monthly payment under IBR, PAYE or REPAYE.


VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Resources | Solutions for the Profession Veterinary Student Essay Competition

VIN Foundation Announces 3rd Annual Solutions for the Profession Competition

Third annual essay competition provides veterinary students with an opportunity to shed light on the impact of practice consolidation within the profession.

The VIN Foundation is excited to announce its third annual Solutions for the Profession Competition. The essay competition this year asks veterinary students to share their views on the impact of practice consolidation, both positive and negative on the profession.


Student Loan Interest Rates and Repayment — Don’t listen to your parents!

Veterinary educational debt is a complex and continually evolving topic impacting all colleagues, not just current students and new graduates. A recent Merck Animal Health study named student debt as the biggest stressor reported by colleagues. That study also indicated that fewer veterinarians are recommending the profession as a career choice.


VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Exciting Enhancements to Veterinary Cost of Education Map

Exciting Enhancements to Veterinary Cost of Education Map

Interactive map provides long-desired true-cost view of attending veterinary school

Developed to help pre-veterinary students make better informed decisions when applying to veterinary school, the updated Cost of Education Map collates in one place, in one tool, the information individual students would spend days compiling and analyzing.


Most pre-veterinary students apply to multiple schools. Costs vary widely between schools and within schools depending on whether the applicant qualifies for a discounted seat based on residency. The Foundation’s goal in generating this tool is to enable students to apply smarter, seeking the high quality education they desire at the most reasonable cost.