In-Veterinary School Student Loan Checklist
☐ Build a budget
☐ Review your school cost of attendance (COA)
- What is essential?
- Tuition & Fees
- Health Insurance
- Room & Board
- Where can you save?
- Personal/Miscellaneous additions
- Books & Supplies
- Transportation
☐ Review your financial aid awards
- Can you return or refuse amounts awarded in excess of your budget?
- You have 120 days to return unused funds without incurring fees/interest
☐ Review your student loan history and current balances
☐ NSLDS.ED.GOV - Download your "MyStudetData" file
☐ School financial aid account
☐ Credit Report
☐ Prepare a student loan worksheet
☐ Upload your NSLDS "MyStudentData" file to VIN Foundation My Student Loans tool
☐ Estimate borrowing needs and interest for the remainder of veterinary school
☐ Projected Starting Repayment Balance
- Use the VIN Foundation In-School Loan Estimator to help you project your remaining school costs
- In-School Loan Estimator will be available after you upload your current NSLDS file
- If you have not yet borrowed for veterinary school, you can start a new estimate by starting from the In-School Loan Estimator
- Account for non-federal student loans separately
☐ Note repayment start date for each loan
☐ Start to think about if a federal consolidation loan is necessary for you; Review the New Veterinary Graduate Student Loan Playbook
☐ Set calendar alert for at least 45-60 days prior to repayment start date
☐ Login to studentloans.gov to get familiar with consolidation and repayment application process
☐ Run your projected federal student loan starting balance through the VIN Foundation Student Loan Repayment Simulator
☐ Consider filing a tax return prior to graduation