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Veterinary Student Loan Repayment: Trends from the trenches

You’re running out of time to consolidate your loans If you have federal student loans, you owe it to yourself to read this. Why? Because there are time sensitive options you might need to pursue to save yourself lots of time and money.    For over a decade it has been my (and a few colleagues’) …

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Blog | Veterinary School Student Loan Interest Rates Increasing Again for 2023-2024

Student Loan Interest Rates Increase (again) for 2023-2024 Academic Year

Highest graduate school rates seen under fixed-rate structure Each spring, we closely monitor the U.S. 10-year Treasury yield.  Student loan interest rates for the following academic year are adjusted based on where auctions for this note lands in May.  For the 2023-24 academic year, the result is a continued trend of increasing student loan interest …

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | prevet resources veterinary student resources veterinarian resources | Nonprofit free veterinary resources | Blog | Student Loan FAQs: The one-time forgiveness count adjustment

Student Loan FAQs: The one-time forgiveness count adjustment

What is the one-time forgiveness count adjustment? The one-time forgiveness count adjustment for federally-held student loans is a lesser-known, more confusing, yet more widely available special benefit announced in April 2022. Anyone with federally-held student loans is eligible to receive the adjustment. Essentially, the adjustment will count any repayment time, and certain deferment or forbearance …

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VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | prevet resources veterinary student resources veterinarian resources | Nonprofit free veterinary resources | Blog | Veterinary student loans should you request a refund pandemic payments

Pandemic forbearance payments are eligible for a refund

Should you request a refund before the benefits end? The student loan pandemic forbearance benefits started on March 13, 2020. Interest and payments were suspended and the forbearance time counts towards forgiveness. Another provision in the Coronavirus Aid, Relief, and Economic Security (CARES) Act allows borrowers who made payments during the forbearance period to request …

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Find your income-driven repayment anniversary date

I have federal student loans. When do I need to recertify my income?

One of the most common questions recently asked by veterinarians in student loan repayment using any of the income-driven repayment plans (IBR, PAYE, REPAYE, ICR) is “When do I need to provide my income information again? Is it before the special pandemic forbearance benefits end? Is it after? How do I know?”

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | prevet resources veterinary student resources veterinarian resources | Nonprofit free veterinary resources | Blog | Student Debt Questions & Answers - from 3rd year veterinary students

Student Debt Questions & Answers – from 3rd year veterinary students

Student Debt Q&A from students The following are questions asked during recent Climbing Mt. Debt sessions with 3rd year veterinary students at U.S. colleges of veterinary medicine. They will be graduating in 2024, likely facing an updated student loan repayment framework.  With all of the recent changes to federal student loans (current and pending), repayment …

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