090: Wait! Don't Consolidate: Advice for 2026 Grads

About this episode

Meredith and Joe discuss important student loan rule changes affecting 2026 veterinary graduates and provide advice on repayment strategies.

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

People in this episode

Host: Meredith Jones

Guest: Joe

Topics covered

• student loans
• veterinary graduates
• repayment strategies
• financial advice
• loan consolidation
• education

Keywords

• student loans
• veterinary
• consolidation
• repayment options
• financial advice
• RAP
• IBR
• grace period

Mentioned in this episode

Organizations: Vet Debt Experts

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