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Dr. Lance Roasa and Dr. Tony Bartels on COVID-19 Student Loan Repayment Restart for Veterinary Students

Tune in as we have a conversation with student debt expert Dr. Lance Roasa and Dr. Tony Bartels about the COVID-19 Student Loan Repayment Relief Ending and strategies for re-entering repayment specifically veterinary students.


Normally, interest accrues on your veterinary school Direct Loans from the day you receive them. The interest suspension you received during 2020 has been an extremely beneficial form of financial relief. This will likely save you tens of thousands of dollars during repayment.


Unfortunately, the student loan interest suspension period will end and interest will begin to accrue on your loans at some point after January 31, 2021. For the 2020-2021 academic calendar year, the loans you received from July 1, 2020, through June 30, 2021, will accrue interest at a rate of 4.3% for Direct Unsubsidized and 5.3% for Direct Grad PLUS loans.

Listen in to learn best practices to help you renter student loan repayment as a veterinary student.


Dr. Lance Roasa

Dr. Lance Roasa is a 2008 graduate of Texas A&M where he was the first student to undertake a 4th-year business-track, spending the majority of his clinical training in veterinary business and industry. In 2016 He completed a law degree from the University of Nebraska and his training was centered on the law of small business, taxation, and the law of veterinary medicine. Dr. Roasa exclusively serves veterinarians from his law practice, teaches veterinary law and business at 14 veterinary schools, and co-founded

Dr. Tony Bartels

Tony Bartels graduated in 2012 from the Colorado State University combined MBA/DVM program and is an employee of the Veterinary Information Network (VIN). He and his wife, a small-animal internal medicine specialist practicing in Denver, 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 resources. Beyond debt, his professional interests include small- and exotic-animal practice. When he’s not staring holes into his colleagues’ student-loan data, Tony enjoys fly fishing, ice hockey, camping, and exploring Colorado with his wife, Audra, and their two rescued canines, Addi and Maggie.


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