Financial Health for the Zoo Veterinarian
American Association of Zoo Veterinarians Conference 2019
Travis Hornsby, CFA; Rob Bertman, CFA, CFP©
Student Loan Planner, Saint Louis, MO, USA


Part I. Veterinary Student Debt: How Did Debt Burdens Get So Huge?

  • Grad PLUS program and how it allowed schools to charge unlimited amounts
  • Cliche that “student debt is good debt”
  • Change in the way Congress sets interest rates

Part II. Repayment Plans: What Are They and Why Do They Matter?

  • Tax filing status with your spouse and how it impacts your payment
  • Forgiveness vs. refinancing: what you should know

Part III. Loan Forgiveness Programs That Zoo Veterinarians Can Utilize

  • PSLF
  • 20 to 25 year IDR forgiveness
  • Other programs

Part IV. The Most Important Statistic in Your Financial Life Is Not Your Debt

  • When can you afford retirement?
  • How important is it to choose the right loan strategy?
  • What action steps do you need to take right now to make sure you’re financially secure?

Part V. Q&A, If Time Allows

  • Audience participation


Speaker Information
(click the speaker's name to view other papers and abstracts submitted by this speaker)

Travis Hornsby, CFA
Student Loan Planner
Saint Louis, MO, USA

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