Repay Wiser

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


Student Loan Repayment Restart – Extended Again!

Another extension to the pandemic student loan forbearance benefits was recently announced. The payment and interest pause for your federally held loans will be in place through December 31, 2022 August 2023 (most likely). Explore the recent Student Loan Repayment Restart webinar information, or read the recent Federal Student Loan Repayment Pause Extended blog post to learn about the recent pandemic forbearance extension, details on income recertification dates, choosing a repayment plan, maximizing the forbearance benefits, and more.

Are you a class of 2023 veterinary school graduate?

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? Should the continued pandemic forbearance benefits impact any of those plans? The VIN Foundation Class of 2023 Student Loan Playbook will help answer your questions. 

Are you an intern or resident?

Conventional wisdom and reflex in the medical training community often says to defer your loans while pursuing internships and/or residencies. However, income-driven repayment (IDR) is often a much better option for veterinarians with federal student debt pursuing advanced education. The VIN Foundation Climbing Mt. Debt – Interns and Residents webinar and tools are here to help!

Choosing the right student loan repayment strategy for your situation can save you a ton of time, money, and stress — a concept VIN Foundation calls Repay Wiser.


1) Repay Wiser Webinar Recording

Watch the webinar recording below of the recent Repay Wiser webinar from the VIN Foundation in collaboration with Southern Veterinary Partners. In this video Tony Bartels, DVM, MBA covers common myths and misconceptions including loan forgiveness, income recertification, as well as the pitfalls and challenges associated with student loan repayment using real-world experiences. We welcome any questions and feedback.

2) Repay Wiser Prezi

Review the Repay Wiser presentation materials including clickable links to the resources referenced in the presentation. Think of this as the “slide deck” you can click through and review at your own leisure as a quick summary of the webinar.

3) Repay Wiser Checklist

All this information can be overwhelming. The Repay Wiser Checklist provides a clear outline of steps to help veterinarians with student debt save time, money, and stress as they Repay Wiser for their specific student loan situation.



Student loans are often a necessity to pay for your veterinary education, but understanding your debt and how to Repay Wiser will reduce your stress and let you get on with enjoying your career and life.
Using the Repay Wiser strategies veterinarians with student loans can answer the following questions:
  1. What’s the “best” way to repay your student loans?
  2. How much should you pay each month?
  3. How long will you be in repayment?
  4. What should you do if you think you’ll reach loan forgiveness?
  5. How can you reassess your situation annually?
You can see the impact of your student loans, interest, and various repayment scenarios using the VIN Foundation Student Loan Repayment Simulator.
Repay Wiser is part of the VIN Foundation Student Debt Center three part series of helping veterinary colleagues throughout their student loan path. It starts with pre-veterinary students learning how to Apply Smarter to veterinary school, continues for veterinary school students as they learn how to Borrow Better while in school, with the final (and longest) journey along the path helping veterinarians Repay Wiser.
The helpful three-part student loan series Apply Smarter, Borrow Better and Repay Wiser is part of the VIN Foundation Student Debt Center. The VIN Foundation Student Debt Center is a mobile-friendly comprehensive resource helping veterinary students, veterinarians, and those who support them manage student debt through school and beyond. Explore the VIN Foundation Student Debt Center.
VIN Foundation Student Debt Center | student debt help student loan help | veterinary student loan help | veterinary student debt help | veterinary school student loan support
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