With the recent student loan repayment changes, many veterinarians are facing a much bigger bill than before.

Whether you’re moving from SAVE to PAYE, preparing for Old IBR in a couple of years, or switching plans and suddenly seeing your payment double, the jump can feel overwhelming. You’re not alone in this — and you can prepare.

In this episode, I’ll walk you through five key steps to help you get ready for higher student loan payments:

• Know your next steps: Which plan are you eligible for, and what payment can you expect? If you’re married, could you save money by switching your tax filing status?

• Get clear on your budget: Use Monarch Money, a spreadsheet, or whatever works - awareness is key.

• Build breathing room: Practice your higher payment now to avoid a cash-flow shock later.

• Be intentional with your compensation: Negotiate for higher pay, stronger production, or better benefits. And if you’re picking up extra shifts, make sure they’re in alignment with your goals — not just a reaction to student loan stress.

• Shift your perspective: Remember, the COVID pause was unusual — higher payments are tough, but you can adapt.


If you’ve been feeling stressed or blindsided by your new payment, this episode will give you both the tools and perspective to move forward.

Mentioned in this episode:

• Episode 67: What the new Student Loan Bill Means for Veterinarians
• Debt-Free Vets Facebook Group

Interested in vet-specific financial planning?

Schedule a free intro call or email [email protected]