In this episode, I walk through what the student loan changes in the Big Beautiful Bill mean for current and future veterinary students.

If you’re already in repayment, be sure to check out the previous episode, which covers what these changes mean for veterinarians who have already graduated.

Most of the updates won’t take effect until July 1, 2026, but they’re important to understand now—whether you’re a student or someone who mentors future vet students.

Key topics include:

• Who is and isn’t affected by the new $200k federal student loan cap
• When the changes take effect and which class years are impacted
• Grad PLUS loans are going away—and what that means for vet students
• What we know about the new RAP (Repayment Assistance Plan) so far
• How consolidation strategy may shift next year
• How this bill may affect access to the profession going forward

I also share practical advice for current students, future students, and anyone advising future applicants—as well as my thoughts on how these changes could reshape the veterinary profession.

Interested in vet-specific financial planning?

1. Learn more or schedule a free intro call at allvetfinancial.com