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New Grads: Special Consolidation and Application Timing Considerations

In-School Student Loan Checklist

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

Next up...New Grad Student Loan Checklist

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