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📢Veterinary Students: The 2026 Borrow Better Challenge is OPEN! Post & Win Prizes...

⚠️Important Notes: (1) Class of 2026 - Do NOT Consolidate! (2) Major unexpected RAP change. Stay informed...

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Veterinary EduDebtology
Veterinary EduDebtology 101
July 24, 2024

The study of veterinary educational debt and student loan repayment for the 21st-century veterinary graduate.Big picture description of the veterinary educational debt crisis.
Student Loan 101
Student Loan Types and Interest
Student Loan Types and Interest
May 8, 2025
Student Loan Interest Capitalization
July 21, 2022
Refinancing Federal Student Loans
June 19, 2023

Advantages and Disadvantages of refinancing federal student loans with a private refinance loan.
Income-driven Repayment (IDR) Plans
Discretionary Income for Income-Driven Repayment (IDR) Plans
December 30, 2025
Income-Driven Repayment Profiles
December 17, 2025
Income-Contingent Repayment (ICR)
March 6, 2025
Income-Based Repayment (IBR, 2009)
February 10, 2025
Pay As You Earn (PAYE)
September 5, 2025
Income-Based Repayment (IBR, 2014)
March 5, 2025
Revised Pay As You Earn (REPAYE), Saving On A Valuable Education (SAVE)
September 6, 2025
Repayment Assistance Program (RAP)
May 20, 2026

Wiki Debt page describing the newest income-driven plan, RAP.
File a tax return before graduation
April 14, 2025

IDR plan applications require income documentation. The federal income tax return is the gold standard. File a tax return before graduation, whether you need to or not.
Forgiveness Planning
August 17, 2026

Factors and considerations in building a forgiveness plan
Married Federal Student Loan Borrowers using IDR
April 14, 2025
Income-Driven Repayment Forgiveness
August 17, 2026
Public Service Loan Forgiveness (PSLF) - Most Direct Path
August 22, 2024

Quick guide to the fastest, most direct route to achieve PSLF
Income-driven Repayment for Veterinary Internships & Residencies
June 26, 2025

Information and strategies for using IDR for veterinary interns and residents.
Which IDR Plan CAN I Use?
Student Loan Types and IDR Eligibility
August 22, 2024
Income-Driven Repayment Profiles
December 17, 2025
PAYE Algorithm
October 29, 2018
REPAYE Algorithm
July 15, 2022
IBR Algorithm
November 18, 2016
Loan Grey Zone
January 1, 2016
Which IDR Plan SHOULD I Use?
Income-Driven Repayment Comparison
May 2, 2025

Table comparing features/aspects of IDR plans
Student Loan Check Lists
In-School Student Loan Checklist
October 29, 2018
New Grad Student Loan Checklist
May 17, 2018
Student Loan Worksheets
Student Loan Worksheet - Template
January 1, 2016
Iowa State University - Student Loan Worksheet
March 16, 2016
Resources
Federal Student Aid Website (External Website)
March 9, 2016
Income-Driven Repayment Plan Request Form
February 26, 2025
Public Service Loan Forgiveness (PSLF): Employment Certification Form
March 7, 2025
VIN Foundation Student Loan Repayment Simulator
April 6, 2016
Dept of ED Pandemic Forbearance Updates
June 21, 2022

Link to page with pandemic forbearance benefits updates, processes, protocols and other details