Meredith and Joe talk through major student loan rule changes that significantly impact 2026 veterinary graduates, along with advice to help set yourself up for success with student loan repayment.

  • Why consolidation used to make sense for some borrowers
  • The new rule limiting loans disbursed after July 1, 2026 to RAP or Standard repayment
  • Why 2026 graduates should avoid consolidating
  • What new graduates should do instead, including waiting out the grace period and carefully evaluating repayment options
  • The long-term difference between RAP and New IBR, and why plan selection matters early


If you’d like help with a repayment strategy tailored to your specific situation, you can book a student loan consult with Vet Debt Experts: https://calendly.com/vetdebtexperts/1-hr-consult-discount

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