In early July, the Big Beautiful Bill was signed into law, bringing sweeping changes to student loans. In this episode of the Veterinary Financial Podcast, I’m breaking down what the bill means for veterinarians who have already graduated and are already in repayment.

Key topics include:

• What happens if you're on IBR, PAYE, or SAVE
• A closer look at the new 30-year RAP (Repayment Assistance Plan)
• What happens if you don’t make a new plan selection by 2028
• Important tax and spousal income considerations
• A couple of bright spots—like employer benefits and servicer funding

I also answer top questions from the Debt-Free Vets Facebook group and share what vets should be thinking about now to stay ahead of the changes.

Stay tuned for the next episode where I’ll focus on how the bill impacts current and future vet students.

Mentioned in this episode:

• Debt-Free Vets Facebook Group

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