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.

Mentioned in this episode:

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

Schedule a free intro call or email [email protected]