- Veterinary students
- Interns and residents
- Associates
- Owners and associates
- Late-career veterinarians
What graduates borrow
- Class-of-2026 veterinary graduates who borrowed averaged $227,588 in debt, with debt about 1.5 times starting income, as reported by dvm360 from AVMA figures. dvm360, New veterinary graduates face widening real income gap, record debt, checked November 5, 2026.
Federal loans from July 2026
- Veterinary medicine is on the Education Department's list of professional degrees, so the July 2026 limits for professional students apply: $50,000 a year and $200,000 in all for new borrowers, and no Grad PLUS. 34 CFR 685.102, definition of professional student (eCFR), checked November 5, 2026.
Loan repayment programs
- The USDA Veterinary Medicine Loan Repayment Program pays up to $40,000 a year of principal and interest in exchange for at least three years of service in a designated veterinary shortage situation. USDA NIFA, Veterinary Medicine Loan Repayment Program, checked November 5, 2026.
Non-compete statutes that name the profession
- Maine: an employer may not require or permit a non-compete with a licensed veterinarian employed in a veterinary facility in which the veterinarian has no ownership interest. 26 M.R.S. 599-A, checked November 5, 2026.
- Utah: under S.B. 111 (2026), on or after May 6, 2026 a person and a veterinarian may not enter a veterinarian non-compete, unless the veterinarian holds at least a 5% ownership interest. Utah S.B. 111 (2026), enrolled, checked November 5, 2026.
Example valuesjoinandwise.com/for/veterinarians5 facts from 5 statutes, programs and surveyschecked November 5, 2026amounts entered are masked
Tools that work today
These tools run on federal and state rules that apply to any borrower or employee. Their labels are written for physicians; the arithmetic is the same.
- Which federal repayment plans are open to veterinary-school loans, and what does each cost? Compare repayment plans
Planned
- What does a production-based (ProSal) contract pay at a given production?
- What does a USDA loan repayment service commitment pay against the loans?
For schools, programs and societies
A veterinary school, residency program or society can distribute these tools under its own name. Terms:co-brand license. To ask, write toprograms@joinandwise.com.
General information, not legal, tax or financial advice. Whether a clause in a particular contract is enforceable is a question for an attorney in the state; loan figures are for your servicer to confirm.