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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

Leave a Comment / Veterinary Questions & Answers, Veterinary Resources, Veterinary Student Debt, Veterinary Student Loans / By Tony Bartels, DVM, MBA

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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Estimate Your Minimum Monthly Student Loan Payment

2 Comments / Veterinary Resources, Veterinary School, Veterinary Student Debt, Veterinary Student Loans, Veterinary Students / By Tony Bartels, DVM, MBA

The recently updated 2018 Health and Human Services (HHS) poverty guidelines determine your minimum monthly student loan payment. Poverty guidelines are used for many different U.S. government programs. One of the most important uses for veterinarians is the Discretionary Income calculation used to generate the minimum monthly student loan payment of federal income-driven repayment plans (IBR, PAYE, REPAYE). Income-driven student loan

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Furloughed and Unpaid Federal Veterinarians

Leave a Comment / Veterinary Resources, Veterinary Student Debt, Veterinary Student Loans / By Tony Bartels, DVM, MBA

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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Veterinary School Panel Interview Tips

2 Comments / Apply Smarter, Veterinary Pre-Vets, Veterinary Resources, Veterinary School, Veterinary Students / By VIN Foundation

Amber McElhinney is a 2nd-year veterinary student at UC Davis. In an effort to help pre-veterinary students as they prep for applying to veterinary school we thought Amber’s insight into her personal pre-veterinary journey can help others. We hope you enjoy! As always, please reach out with any questions or feedback, or leave a comment

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | COVID Repayment Restart | Veterinary Student Debt Help

COVID-19 Student Loan Repayment Restart

Leave a Comment / Veterinary Resources, Veterinary Student Debt, Veterinary Student Loans, Veterinary Students / By Tony Bartels, DVM, MBA

COVID-19 Student Loan Repayment Relief Ending: Strategies for Re-entering Repayment Since March 13, 2020, borrowers with federally held student loans have received student loan repayment relief. Interest rates have been set to zero percent, payments have been suspended, and for those using income-driven repayment or working towards Public Service Loan Forgiveness, the suspension time has

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Webinar | Repay Wiser: choose the right student loan repayment strategy for your situation to save time and money

The First Two Years of Student Loan Repayment for Veterinarians

Leave a Comment / Veterinary Resources, Veterinary Student Debt, Veterinary Student Loans, Veterinary Students / By Tony Bartels, DVM, MBA

Graduating Veterinary Students: Here’s what the first two years of student loan repayment can look like using an Income-Driven Repayment strategy Student loan repayment is financially and emotionally stressful. The earlier you have a student loan repayment strategy, the more time, money, and stress you can save yourself throughout repayment. As a veterinary student and

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New Grad Student Loan Questions and Answers: Consolidation

15 Comments / Consolidation, Veterinary Questions & Answers, Veterinary Resources, Veterinary Student Debt, Veterinary Student Loans, Veterinary Students, Webinars / By Tony Bartels, DVM, MBA

Updated for 2023 graduating veterinarians:There are some new changes and proposals to be aware of as you enter loan repayment. Here are some common questions about using a Federal Direct Consolidation Loan that we tackled live during the most recent New Veterinary Graduate Student Loan Playbook Webinar. To consolidate vs not consolidate? Absolutely start a

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COVID-19 Impact to Your Student Loans

2 Comments / Veterinary Resources, Veterinary Student Debt / By Tony Bartels, DVM, MBA

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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Student Loan Forgiveness: Taxable or Tax-Free?

1 Comment / Veterinary Resources, Veterinary Student Debt, Veterinary Student Loans / By Tony Bartels, DVM, MBA

Many borrowers believe the student loan forgiveness is only open to those working for a non-profit. Anyone with federal student loans can be eligible for forgiveness, regardless of who they work for.

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A Borrow Better Case Study Using the In-School Loan Estimator

Leave a Comment / Veterinary Questions & Answers, Veterinary Resources, Veterinary Student Debt / By VIN Foundation

Veterinary Students: Borrow Better A Case Study Using the VIN Foundation In-School Loan Estimator Student debt sucks. But for more than 80% of eligible U.S. students attending AVMA COE-accredited colleges of veterinary medicine, student loans are a necessary tool to achieve the dream of becoming a veterinarian. For the 2024-2025 academic year, analyzing your borrowing

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