In-Veterinary School Student Loan Checklist
☐ Build a budget: a measure of your monthly financial "ins & outs"
☐ Review your school's cost of attendance (COA)
- What is essential?
- Tuition & Fees
- Health Insurance
- Room & Board
- Where can you save?
- Personal/Miscellaneous additions
- Books & Supplies
- Transportation
- Other
☐ Review your financial aid awards
- Can you return or reduce awarded amounts in excess of your budget?
- You have 120 days to return unused funds without incurring fees/interest
☐ Review your student loan history and current balances
☐ Federal Student Aid website: Download your student aid data file (TXT)
☐ School financial aid account
☐ Credit Report
☐ Estimate your student loan balance at graduation
☐ Upload your student aid data file (TXT) to VIN Foundation My Student Loans tool using the
"I Have Student Loans With More School to Go" option
☐ Review your current student loans. Are any loans missing?
☐ Send your My Student Loans Summary to the In-School Loan Estimator
☐ Estimate remaining borrowing needs
☐ Estimate your graduation balance
☐ Start to think about if a federal consolidation loan is necessary for you; Review the New Veterinary Graduate Student Loan Playbook
☐ Set calendar alert for at least 45-60 days prior to repayment start date
☐ Login to studentaid.gov to get familiar with the consolidation and repayment application process
☐ Run your projected federal student loan starting balance through the VIN Foundation Student Loan Repayment Simulator
☐ File a tax return before graduation, whether you need to or not