
Why now matters for student loan repayment with Paul Garrard
Paul Garrard, a student loan debt management expert, returns to the podcast this week because this time of year is especially important if student debt is part of your veterinary life. As the class of 2026 prepares to enter repayment and practicing veterinarians approach annual deadlines, student loan repayment decisions are top of mind. Paul breaks down repayment plan options, annual income recertification for income-driven plans, and how recent federal student loan changes could impact your strategy. From choosing an affordable monthly payment to understanding the implications of consolidation, Paul shares practical advice to help veterinarians navigate repayment with confidence and flexibility. For more student loan resources, visit the AVMA's My Veterinary Life® site and the VIN Foundation's Student Debt Center . Thank you to our podcast partner Hill’s Pet Nutrition! You can find more information about Hill’s Pet Nutrition at https://www.hillspet.com/ and https://www.hillsvet.com/ .






