Veterinary Podcast Archives

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | free resources veterinary students veterinarians | Blog | Veterinary Pulse Podcast | Veterinary Pulse Podcast with Dr. Moriah McCauley

Dr. Moriah McCauley on staying curious, pivoting, and giving yourself grace

Join Dr. Matt Holland as he chats with Dr. Moriah McCauley about her path to veterinary medicine, and why her curiosity led her to start a podcast while in veterinary school in Scotland. Moriah shares what she has learned from the podcast thus far and why being flexible and giving herself grace has helped her not only in her podcast, but as a practicing veterinarian.
GUEST BIO:
Dr. Moriah McCauley
Dr. McCauley is a practicing small animal veterinarian who has always been deeply passionate about caring for those around her.
Through her veterinary studies in Scotland, she was given opportunities to learn from incredible veterinarians around her. Seeing the immense value in their stories she sought a way to share these opportunities with her colleagues, thus the podcast was created.
As Dr. McCauley transitioned from student to doctor she began to focus on the role these stories have in veterinary medicine and how storytelling can improve outcomes for clients and patients.
Each episode takes its listeners around the world to hear from inspiring veterinarians as they faced exciting and challenging situations in their jobs and teaches veterinary students and veterinarians how to become confident and engaging storytellers.

LINKS AND INFORMATION:

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, or Twitter.
If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Dr. Moriah McCauley on staying curious, pivoting, and giving yourself grace Read More »

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | Nonprofit free veterinary resources | Blog | Veterinary Pulse Podcast | Veterinary Pulse Podcast with Dr. Tony Bartels Veterinary Student Debt Expert Student Debt Podcast Series Student Loan Repayment Pause Extension

Student Debt Series: Dr. Tony Bartels on the student loan payment pause extension, and what borrowers need to know now

Listen in as Executive Director Jordan benShea chats with student debt expert and Board Member Dr. Tony Bartels in this next installment of our Student Debt Series. In this episode we’re discussing the latest news announced today by President Biden extending the pause on federal student loan repayments for an additional 90 days — through May 1, 2022, and what borrowers need to know, and do now. GUEST BIO:
Dr. Tony BartelsTony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and 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.

LINKS AND INFORMATION:

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, or Twitter.

If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Student Debt Series: Dr. Tony Bartels on the student loan payment pause extension, and what borrowers need to know now Read More »

VIN Foundation | Supporting veterinarians to cultivate a healthy animal community | prevet resources veterinary student resources veterinarian resources | Nonprofit free veterinary resources | Blog | Dr. Tony Bartels on the latest student debt news | Veterinary medicine podcast vetmed podcast student debt podcast

Dr. Tony Bartels on the latest student debt news

Leave a Comment / Veterinary Pulse Podcast, Veterinary Student Debt Podcast / By vinfoundation

Listen in with VIN Foundation board member and Student Debt Education lead Dr. Tony Bartels in this next installment of our Student Debt Series. In this episode we’re covering the latest news on income-driven repayment application changes

Topics covered included:

What happened to the Income-Driven Repayment application?
If borrowers are using an income-driven payment plan right now, what should they do?
How do these changes impact monthly payments for borrowers?
How about borrowers who are hoping for PSLF? How do the recent changes impact them?
What’s the best approach for borrowers when dealing with loan servicers?

As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

NOTE: This is an ongoing situation, for continued updates visit the VIN Foundation Blog and student debt message board areas.

GUEST BIO:

Dr. Tony Bartels
Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and 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, daughter, Lucy, and their two rescued canines, Addi and Maggie.

LINKS AND INFORMATION:
VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter
Time for your student loan physical exam? VIN Foundation My Student Loans tool http://www.vinfoundation.org/mystudentloans
VIN Foundation Download My IDR Progress Google Chrome extension to help you grab a copy of your IDR forgiveness progress
VIN Foundation Blog, most recent:

All IDR applications for student loans are paused – Now what?
February 2025 Q&A from Climbing Mt. Debt Webinar: What’s Next for your Student Loans?

VIN Foundation Navigating Uncertainty Checklist, what you can do now: https://vinfoundation.org/wp-content/uploads/2025/03/VIN-Foundation-What-You-Can-Do-Now-Navigating-Student-Loan-Uncertainty.pdf
Climbing Mt. Debt webinar: What’s Next for Your Student Loans? by VIN and VIN Foundation, February 5th, 2025: https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/#MostRecentWebinar
VIN Foundation Relevant WikiDebt Resources:

IDR Profiles: What is your IDR profile?
IDR Discretionary income calculations

Personalized student loan help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Department of Education Updates on Saving on a Valuable Education (SAVE Plan):

https://studentaid.gov/announcements-events/save-court-actions
https://www.ed.gov/save
https://studentaid.gov/

VIN Foundation get updates: https://vinfoundation.org/updates/
VIN Foundation GIVE page to support programs these programs & tools: https://vinfoundation.org/give
Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60
Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/
Email VIN Foundation: studentdebt@vinfoundation.org
If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Dr. Tony Bartels on the latest student debt news Read More »

Dr. Tony Bartels on the latest student loan news and what borrowers should do now

Leave a Comment / Veterinary Pulse Podcast, Veterinary Student Debt Podcast / By vinfoundation

Listen in as Executive Director Jordan benShea chats with student debt expert and VIN Foundation Board Member Dr. Tony Bartels about the latest big news. Tony covers what we know now about the student debt relief program, and what questions we still need answered. Tony also discusses what you should do now before the payment pause extension expires after December 31, 2022, and shares his thoughts on the new income-driven repayment plan.
As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

GUEST BIO:Dr. Tony BartelsTony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and 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, daughter, Lucy and their two rescued canines, Addi and Maggie.

LINKS AND INFORMATION:

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, or Twitter.

If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Dr. Tony Bartels on the latest student loan news and what borrowers should do now Read More »

Dr. Tony Bartels and Dr. Rebecca Mears on the latest student loan extension and what you need to know now

Leave a Comment / Veterinary Pulse Podcast, Veterinary Student Debt Podcast / By vinfoundation

Listen in as Executive Director Jordan benShea chats with student debt expert and Board Member Dr. Tony Bartels and the newest student debt team member Dr. Rebecca Mears in this next installment of our Student Debt Series.

In this episode we’re covering the following six topics:
Latest news for current veterinary school students
How to help 2023 grads prepare for repayment
What pandemic grads, classes 2020, 2021 and 2022 should be doing
Helpful information for all other borrowers
The latest on the Student Debt Relief before the Supreme Court
Recertification and the important dates to be aware of now

As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

GUEST BIO:

Dr. Tony Bartels
Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and 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.

Dr. Rebecca Mears
Rebecca Mears, DVM is from Lexington, KY, where she completed her BS at University of Kentucky. She is a graduate of University of Georgia’s College of Veterinary Medicine. While in vet school, she served as the National Business Certificate Director for the Veterinary Business Management Association (VBMA) and as a board member for Vets for Pets and People. During this time she took an active role in wellbeing awareness and access within the veterinary community. Rebecca then worked as an equine general practitioner and is an active AAEP member. In her time away from veterinary medicine, she can be found hiking, baking, and hosting impromptu dance parties. She is passionate about giving back to the profession and improving the lives of veterinarians, pre-vet and vet students.

LINKS AND INFORMATION:
VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter
Check your current student loan servicers and other loan details — VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans
VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt
VIN Foundation Webinars: https://vinfoundation.org/resources/webinars/
VIN Foundation Blog Recent Student Debt Blog posts:
Common Student Loan Consolidation Questions and Answers: https://vinfoundation.org/fed-student-loan-consolidation-faqs-questions-answers-considerations/
Class of 2020, 2021, 2022 Income-Driven Repayment Renewal Note: https://vinfoundation.org/class-2020-2021-2022-student-loan-renewal-note/
Special Cancellation of Up to $20,000 of Student Debt. Are You Eligible?: https://vinfoundation.org/special-cancellation-student-debt/
Got Federal Student Debt? You’re Now Closer to Forgiveness Than You Think: https://vinfoundation.org/got-federal-student-debt-youre-now-closer-to-forgiveness-than-you-think/
Student Loan Forgiveness Planning: Preparing for the Tax Bill: https://vinfoundation.org/veterinary-student-loan-forgiveness-planning-preparing-for-the-tax-bill/
Student Loan Interest Rates Increase for 2022-2023 Academic Year: https://vinfoundation.org/student-loan-interest-rates-for-veterinary-school/
Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Repay Wiser:
https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/
Borrow Better: https://vinfoundation.org/resources/borrow-better-veterinary-school-loan-debt/
New Grad Student Loan Repayment Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/
Federal Student Aid Data, Consolidation, and Repayment Application: https://studentaid.gov/
Student Debt Relief Information: https://studentaid.gov/debt-relief-announcement/one-time-cancellation
Department of Education press release (Nov 2022): https://www.ed.gov/news/press-releases/biden-harris-administration-continues-fight-student-debt-relief-millions-borrowers-extends-student-loan-repayment-pause
Department of Education press release (April 2022): https://www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs
One-time Forgiveness Count Adjustment https://studentaid.gov/announcements-events/idr-account-adjustment
Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers
Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service
Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/

Email VIN Foundation: studentdebt@vinfoundation.org
Get updates to stay tuned for the VIN Foundation webinars on student debt.

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, LinkedIn, or Twitter.

If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Dr. Tony Bartels and Dr. Rebecca Mears on the latest student loan extension and what you need to know now Read More »

Dr. Tony Bartels and Dr. Rebecca Mears on the latest student debt hot list topics and what borrowers need to do now

Leave a Comment / Veterinary Pulse Podcast / By vinfoundation

Listen in as student debt expert and Board Member Dr. Tony Bartels and student debt team member Dr. Rebecca Mears in this next installment of our Student Debt Series. This episode we’re going through the current hot list of student debt topics the team is hearing from colleagues and a to-do list of what borrowers need to do now.

Hot List:
Did you finish vet school before 2014? – You may have privately-held FFELs. Consolidate and benefit from the one-time forgiveness count adjustment
Do you have loans that have been in repayment longer than you’ve been using income-driven repayment? – Consolidate and benefit from the one-time forgiveness count adjustment.
Are you eligible for PAYE? Are you using PAYE? – Make sure you find out before PAYE is phased out!
Did you make any payments before the pandemic forbearance benefits began, March 13, 2020? – Request a refund before the benefits end!
Do you know when your income-driven repayment renewal date is? Hint – it’s not until sometime after January 2024, at least. Use the My Student Loans tool to see your “Anniversary Date” and start planning your post-forbearance strategy.
Married? Have you been filing your taxes separately from your spouse recently because of your student debt? – You can amend recent prior year tax returns from separate to joint! We covered this in a recent Dear Dr. Debt column. Visit with your accountant to see if you can get a refund.
Graduating veterinary school in 2023? Congratulations! Did you miss the New Grad Student Loan Repayment Playbook webinar? – Here is a link to the playbook recording, slides, and checklist.

Honorable mentions (coming soon):
Most unpaid interest capitalization is going away starting July 1, 2023
One-time forgiveness count adjustments will be applied in 2024 (or sooner if you are due forgiveness)
The Supreme Court will rule on the special cancellation benefits this summer
Interest and payments are likely starting up later this summer, possibly after August 2023.
Interest rates have been set:

As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

GUEST BIOS:

Dr. Tony Bartels
Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and 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.

Dr. Rebecca Mears
Rebecca Mears, DVM is from Lexington, KY, where she completed her BS at University of Kentucky. She is a graduate of University of Georgia’s College of Veterinary Medicine. While in vet school, she served as the National Business Certificate Director for the Veterinary Business Management Association (VBMA) and as a board member for Vets for Pets and People. During this time she took an active role in wellbeing awareness and access within the veterinary community. Rebecca then worked as an equine general practitioner and is an active AAEP member. In her time away from veterinary medicine, she can be found hiking, baking, and hosting impromptu dance parties. She is passionate about giving back to the profession and improving the lives of veterinarians, pre-vet and vet students.

LINKS AND INFORMATION:
Get Student Debt Updates: https://vinfoundation.org/veterinary-student-debt-updates/
VIN Foundation Student Debt Tools:
VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter
Check your current student loan servicers and other loan details — VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans
Loan Repayment Simulator: https://vinfoundation.org/loansim
VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt

Additional links:
Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Repay Wiser:
https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/
Borrow Better: https://vinfoundation.org/resources/borrow-better-veterinary-school-loan-debt/
New Grad Student Loan Repayment Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/
Federal Student Aid Data, Consolidation, and Repayment Application: https://studentaid.gov/
New Proposed Regulations Would Transform Income-Driven Repayment by Cutting Undergraduate Loan Payments in Half and Preventing Unpaid Interest Accumulation: https://www.ed.gov/news/press-releases/new-proposed-regulations-would-transform-income-driven-repayment-cutting-undergraduate-loan-payments-half-and-preventing-unpaid-interest-accumulation
Student Debt Relief Information: https://studentaid.gov/debt-relief-announcement/one-time-cancellation
Department of Education press release (Nov 2022): https://www.ed.gov/news/press-releases/biden-harris-administration-continues-fight-student-debt-relief-millions-borrowers-extends-student-loan-repayment-pause
Department of Education press release (April 2022): https://www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs
One-time Forgiveness Count Adjustment https://studentaid.gov/announcements-events/idr-account-adjustment
Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers
Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service
Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/
VIN Foundation GIVE page to support these programs & tools: https://vinfoundation.org/give
Email VIN Foundation: studentdebt@vinfoundation.org

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, LinkedIn, or Twitter.

If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Dr. Tony Bartels and Dr. Rebecca Mears on the latest student debt hot list topics and what borrowers need to do now Read More »

Drs. Tony Bartels and Rebecca Mears on the top three trends from the trenches of student loans

Leave a Comment / Veterinary Pulse Podcast / By vinfoundation

Listen in as student debt experts and Board Member Drs. Tony Bartels and Rebecca Mears in this next installment of our Student Debt Series. This episode we’re covering the top three trends from the trenches of student loans: 1) Consolidation procrastination 2) Using the wrong repayment plan 3) Incorrect minimum monthly payments. Now is the time to pay attention if you’ve had your head in the sand with your student loans, so listen in and also learn if you are in The Pickle!

As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

GUEST BIOS:

Dr. Rebecca Mears
Rebecca Mears, DVM is from Lexington, KY, where she completed her BS at University of Kentucky. She is a graduate of University of Georgia’s College of Veterinary Medicine. While in vet school, she served as the National Business Certificate Director for the Veterinary Business Management Association (VBMA) and as a board member for Vets for Pets and People. During this time she took an active role in wellbeing awareness and access within the veterinary community. Rebecca then worked as an equine general practitioner and is an active AAEP member. In her time away from veterinary medicine, she can be found hiking, baking, and hosting impromptu dance parties. She is passionate about giving back to the profession and improving the lives of veterinarians, pre-vet and vet students.

LINKS AND INFORMATION:
VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter
Check your current student loan servicers and other loan details — VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans
Loan Repayment Simulator: https://vinfoundation.org/loansim
VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt
VIN Foundation Webinars: https://vinfoundation.org/resources/webinars/
VIN Foundation get updates: https://vinfoundation.org/updates/
VIN Foundation GIVE page to support these programs & tools: https://vinfoundation.org/give
VIN Foundation Blog, Related Student Debt Blog posts:
Veterinary student loan repayment: trends from the trenches: https://vinfoundation.org/youre-running-out-of-time-to-consolidate-your-loans/
A ‘new’ income-driven repayment plan? https://vinfoundation.org/a-new-income-driven-repayment-plan/
Common Student Loan Consolidation Questions and Answers: https://vinfoundation.org/fed-student-loan-consolidation-faqs-questions-answers-considerations/
I have federal student loans. When do I need to recertify my income?
https://vinfoundation.org/i-have-federal-student-loans-when-do-i-need-to-recertify-my-income/
Got Federal Student Debt? You’re Now Closer to Forgiveness Than You Think: https://vinfoundation.org/got-federal-student-debt-youre-now-closer-to-forgiveness-than-you-think/
Student Loan FAQs: The one-time forgiveness count adjustment
https://vinfoundation.org/faq-one-time-forgiveness-count-adjustment/
Student Loan Forgiveness Planning: Preparing for the Tax Bill: https://vinfoundation.org/veterinary-student-loan-forgiveness-planning-preparing-for-the-tax-bill/

Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Infographic ONE-TIME FORGIVENESS COUNT ADJUSTMENT:
https://vinfoundation.org/resources/veterinary-student-debt/student-debt-one-time-forgiveness-count-adjustment/
One-Time Forgiveness Count Adjustment Video Case Study, 1999 DVM may save more than $65,000 in student loan costs:
https://youtu.be/6gp7cXvEy8c
Income-Driven Repayment Plan Discretionary income calculations, WikiDebt: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&catId=74141&id=7249857
Repay Wiser:
https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/
Borrow Better: https://vinfoundation.org/resources/borrow-better-veterinary-school-loan-debt/
New Grad Student Loan Repayment Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/
Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/
SAVE Repayment Plan Offers Lower Monthly Loan Payments
https://studentaid.gov/announcements-events/save-plan
New Proposed Regulations Would Transform Income-Driven Repayment by Cutting Undergraduate Loan Payments in Half and Preventing Unpaid Interest Accumulation: https://www.ed.gov/news/press-releases/new-proposed-regulations-would-transform-income-driven-repayment-cutting-undergraduate-loan-payments-half-and-preventing-unpaid-interest-accumulation
Payment Count Adjustments Toward Income-Driven Repayment and Public Service Loan Forgiveness Programs:
https://studentaid.gov/announcements-events/idr-account-adjustment

Department of Education press release (Nov 2022): https://www.ed.gov/news/press-releases/biden-harris-administration-continues-fight-student-debt-relief-millions-borrowers-extends-student-loan-repayment-pause

Department of Education press release (April 2022): https://www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs

One-time Forgiveness Count Adjustment https://studentaid.gov/announcements-events/idr-account-adjustment
Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers
Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service
Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/
Email VIN Foundation: studentdebt@vinfoundation.org
Get updates to stay tuned for the VIN Foundation webinars on student debt.

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, LinkedIn, or Twitter.
If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Drs. Tony Bartels and Rebecca Mears on the top three trends from the trenches of student loans Read More »

Dr. Tony Bartels and Dr. Rebecca Mears on big changes to student loans with latest news and updates

Leave a Comment / Veterinary Pulse Podcast, Veterinary Student Debt Podcast / By vinfoundation

Listen in as student debt expert and Board Member Dr. Tony Bartels and the newest student debt team member Dr. Rebecca Mears chat with Executive Director Jordan benShea in this next installment of our Student Debt Series.

In this episode we cover the following nine topics:
Latest announcement on Jan 10th
Phasing out of ICR and PAYE repayment plans
Is this a different way of doing things?
Where can a borrower see what repayment plan they are enrolled in currently?
A ‘new’ income driven repayment plan?
What is Re-REPAYE?
‘New’ plan added to Student Loan Repayment Simulator
Are there other changes happening?
What should colleagues do now?

As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

GUEST BIO:

Dr. Tony Bartels
Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and 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.

Dr. Rebecca Mears
Rebecca Mears, DVM is from Lexington, KY, where she completed her BS at University of Kentucky. She is a graduate of University of Georgia’s College of Veterinary Medicine. While in vet school, she served as the National Business Certificate Director for the Veterinary Business Management Association (VBMA) and as a board member for Vets for Pets and People. During this time she took an active role in wellbeing awareness and access within the veterinary community. Rebecca then worked as an equine general practitioner and is an active AAEP member. In her time away from veterinary medicine, she can be found hiking, baking, and hosting impromptu dance parties. She is passionate about giving back to the profession and improving the lives of veterinarians, pre-vet and vet students.

VIN Foundation Blog Recent Student Debt Blog posts:
A ‘new’ income-driven repayment plan?: https://vinfoundation.org/a-new-income-driven-repayment-plan/
Common Student Loan Consolidation Questions and Answers: https://vinfoundation.org/fed-student-loan-consolidation-faqs-questions-answers-considerations/
Class of 2020, 2021, 2022 Income-Driven Repayment Renewal Note: https://vinfoundation.org/class-2020-2021-2022-student-loan-renewal-note/
Special Cancellation of Up to $20,000 of Student Debt. Are You Eligible?: https://vinfoundation.org/special-cancellation-student-debt/
Got Federal Student Debt? You’re Now Closer to Forgiveness Than You Think: https://vinfoundation.org/got-federal-student-debt-youre-now-closer-to-forgiveness-than-you-think/
Student Loan Forgiveness Planning: Preparing for the Tax Bill: https://vinfoundation.org/veterinary-student-loan-forgiveness-planning-preparing-for-the-tax-bill/
Student Loan Interest Rates Increase for 2022-2023 Academic Year: https://vinfoundation.org/student-loan-interest-rates-for-veterinary-school/
Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Repay Wiser:
https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/
Borrow Better: https://vinfoundation.org/resources/borrow-better-veterinary-school-loan-debt/
New Grad Student Loan Repayment Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/
Federal Student Aid Data, Consolidation, and Repayment Application: https://studentaid.gov/
New Proposed Regulations Would Transform Income-Driven Repayment by Cutting Undergraduate Loan Payments in Half and Preventing Unpaid Interest Accumulation: https://www.ed.gov/news/press-releases/new-proposed-regulations-would-transform-income-driven-repayment-cutting-undergraduate-loan-payments-half-and-preventing-unpaid-interest-accumulation
Student Debt Relief Information: https://studentaid.gov/debt-relief-announcement/one-time-cancellation
Department of Education press release (Nov 2022): https://www.ed.gov/news/press-releases/biden-harris-administration-continues-fight-student-debt-relief-millions-borrowers-extends-student-loan-repayment-pause
Department of Education press release (April 2022): https://www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs
One-time Forgiveness Count Adjustment https://studentaid.gov/announcements-events/idr-account-adjustment
Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers
Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service

Email VIN Foundation: studentdebt@vinfoundation.org

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, LinkedIn, or Twitter.

If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it! Reach out to podcast@vinfoundation.org.

Dr. Tony Bartels and Dr. Rebecca Mears on big changes to student loans with latest news and updates Read More »

Drs. Tony Bartels and Rebecca Mears on the current top three student debt topics

Leave a Comment / Veterinary Pulse Podcast, Veterinary Student Debt Podcast / By vinfoundation

Listen in as student debt experts and Board Member Drs. Tony Bartels and Rebecca Mears in this next installment of our Student Debt Series. In this episode we’re covering three major topics: 1) Updates and how they impact new grads and not to new grads 2) PAYE and ICR phase outs 3) Bonus mention for a new proposal to cancel up to $20k. Now is the time to learn what you need to know going into the summer.
As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.

GUEST BIOS:

Dr. Rebecca Mears
Rebecca Mears, DVM is from Lexington, KY, and a graduate of University of Georgia’s College of Veterinary Medicine. Rebecca started her career as an equine general practitioner and is an active AAEP member, currently serving as a member of the AAEP DEI Committee. Her interest in student debt education began with keeping her own education costs lower and grew from there. This was supported by her involvement in the Veterinary Business Management Association (VBMA), which she now gives back to as a National Advisor. In her time away from veterinary medicine, she can be found obsessing over plants and hosting impromptu dance parties. She is passionate about giving back to the profession and improving the lives of veterinarians, pre-vet and vet students.

LINKS AND INFORMATION:
VIN Foundation Student Debt Center: https://vinfoundation.org/studentdebtcenter
Check your current student loan servicers and other loan details — VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans
Loan Repayment Simulator: https://vinfoundation.org/loansim
VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt
VIN Foundation Webinars: https://vinfoundation.org/resources/webinars/
VIN Foundation get updates: https://vinfoundation.org/updates/
VIN Foundation GIVE page to support these programs & tools: https://vinfoundation.org/give
May 29th webinar – Repay Wiser: Interns & Residents: https://VIN.zoom.us/webinar/register/4917165695129/WN_4VaSKzkBQrqgqotb50G8cA

VIN Foundation Blog, Related Student Debt Blog posts:
Identifying Federal Family Education Loans (FFELs) using VIN Foundation My Student Loans tool: https://vinfoundation.org/fed-student-loan-consolidation-faqs-questions-answers-considerations/
2024 Graduating Veterinarians: Special Student Loan Timing Considerations: https://vinfoundation.org/2024-graduating-veterinarians-special-student-loan-timing-consideration-are-you-in-pickle/
Choosing between PAYE and SAVE income-driven plans: Are you in The Pickle?: https://vinfoundation.org/choosing-between-paye-and-save-income-driven-plans-are-you-in-the-pickle/
Veterinary student loan repayment: trends from the trenches: https://vinfoundation.org/youre-running-out-of-time-to-consolidate-your-loans/
A ‘new’ income-driven repayment plan? https://vinfoundation.org/a-new-income-driven-repayment-plan/
Student Loan FAQs: The one-time forgiveness count adjustment: https://vinfoundation.org/faq-one-time-forgiveness-count-adjustment/
Income-Driven Repayment: recertify, Switch plans, or Wait?: https://vinfoundation.org/income-driven-repayment-recertify-no-switch-plans-or-wait/
Got Federal Student Debt? You’re Now Closer to Forgiveness Than You Think: https://vinfoundation.org/got-federal-student-debt-youre-now-closer-to-forgiveness-than-you-think/
Student Loan FAQs: The one-time forgiveness count adjustment
https://vinfoundation.org/faq-one-time-forgiveness-count-adjustment/

Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Infographic ONE-TIME FORGIVENESS COUNT ADJUSTMENT:
https://vinfoundation.org/resources/veterinary-student-debt/student-debt-one-time-forgiveness-count-adjustment/
One-Time Forgiveness Count Adjustment Video Case Study, 1999 DVM may save more than $65,000 in student loan costs:
https://youtu.be/6gp7cXvEy8c
Income-Driven Repayment Plan Discretionary income calculations, WikiDebt: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&catId=74141&id=7249857
Repay Wiser:
https://vinfoundation.org/resources/repay-wiser-veterinary-school-debt-loan-repayment/
Borrow Better: https://vinfoundation.org/resources/borrow-better-veterinary-school-loan-debt/
New Grad Student Loan Repayment Playbook: https://vinfoundation.org/resources/veterinary-new-grad-student-loan-repayment-playbook/
Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/
SAVE Repayment Plan Offers Lower Monthly Loan Payments
https://studentaid.gov/announcements-events/save-plan
New Proposed Regulations Would Transform Income-Driven Repayment by Cutting Undergraduate Loan Payments in Half and Preventing Unpaid Interest Accumulation: https://www.ed.gov/news/press-releases/new-proposed-regulations-would-transform-income-driven-repayment-cutting-undergraduate-loan-payments-half-and-preventing-unpaid-interest-accumulation
Payment Count Adjustments Toward Income-Driven Repayment and Public Service Loan Forgiveness Programs:
https://studentaid.gov/announcements-events/idr-account-adjustment

Department of Education press release (Nov 2022): https://www.ed.gov/news/press-releases/biden-harris-administration-continues-fight-student-debt-relief-millions-borrowers-extends-student-loan-repayment-pause

Department of Education press release (April 2022): https://www.ed.gov/news/press-releases/department-education-announces-actions-fix-longstanding-failures-student-loan-programs

One-time Forgiveness Count Adjustment https://studentaid.gov/announcements-events/idr-account-adjustment
Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers
Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service

Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60
Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/
Email VIN Foundation: studentdebt@vinfoundation.org
Get updates to stay tuned for the VIN Foundation webinars on student debt.

You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, and LinkedIn.
If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Drs. Tony Bartels and Rebecca Mears on the current top three student debt topics Read More »

Dr. Tony Bartels on the latest student loan announcements and what you need to know as we close out 2024

Leave a Comment / Veterinary Pulse Podcast, Veterinary Student Debt Podcast / By vinfoundation

Listen in with student debt experts and Board Member Dr. Tony Bartels in this next installment of our Student Debt Series. In this episode we’re covering the latest news on student loans as we close out 2024 and start 2025.

Topics covered included:

December 18, 2024 US Department of Education announcement on Pay As Your Earn (PAYE) and Income Contingent Repayment (ICR)
Timeframes/features and additional information about PAYE and ICR
Income Driven Repayment (IDR) profiles
What this latest news means for the Save On Valuable Education (SAVE) plan
Where things stand on the One-time Forgiveness Adjustment
Additional helpful information for borrowers

GUEST BIO:

PAYE and ICR income-driven repayment plans temporarily reactivated https://vinfoundation.org/paye-and-icr-income-driven-repayment-plans-temporarily-reactivated/
The election is over. Change is on the horizon. What is next for your student loans? https://vinfoundation.org/the-election-is-over-change-is-on-the-horizon-what-is-next-for-your-student-loans/
Student Loan FAQs and What’s Next?
https://vinfoundation.org/september-2024-student-loan-update-faqs-and-whats-next/
SAVE is blocked. What does that mean for your student loans?: https://vinfoundation.org/save-recent-court-rulings/
Choosing between PAYE and SAVE income-driven plans: Are you in The Pickle? https://vinfoundation.org/choosing-between-paye-and-save-income-driven-plans-are-you-in-the-pickle/
A ‘new’ income-driven repayment plan? https://vinfoundation.org/a-new-income-driven-repayment-plan/

Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/
Income-Driven Repayment Plan Discretionary income calculations, WikiDebt: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&catId=74141&id=7249857
Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/
Department of Education Updates on Saving on a Valuable Education (SAVE Plan): https://www.ed.gov/save
SAVE Plan Court Actions: Impact on Borrowers: https://studentaid.gov/announcements-events/save-court-actions
Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60
Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/
Email VIN Foundation: studentdebt@vinfoundation.org
Get updates to stay tuned for the VIN Foundation webinars on student debt.
You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, and LinkedIn.
If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we’d love to hear it!

Dr. Tony Bartels on the latest student loan announcements and what you need to know as we close out 2024 Read More »