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My ass can definitely use a vacation-insert joke about asses needing vacations-
My ass can definitely use a vacation-insert joke about asses needing vacations-
Omg same thoughMy ass can definitely use a vacation
Heyo! I can’t weigh in with personal experience on this specific scenario because I did summer research with two PI’s through my vet school, but as far as I can tell it’s possible to do research elsewhere. It’s just a matter of funding. So some programs like the NIH/BI program may require that your PI be from your university or something like that. I know my friend ran into an issue like that when she wanted to do research with a PI at Drexel but couldn’t secure the funding because they weren’t a Penn researcher. But if you can secure the funding whether through a grant or if your prospective PI has enough funding to just pay you outright, I don’t see why you wouldn’t be able to do it.@ajs513 any weigh-in? I can't find a WZ, and hopefully I tagged the right ajs
I wasn’t sure where to ask this but since y’all are talking about picking a more expensive school...I have a similar dilemma of my own of choosing between OSU (Oregon) and WSU.
When just comparing total tuition between the two, WSU is cheaper (about $45,000) due to being able to switch instate. However, I have been educating myself on the repayment plans and using the VIN loan calculator just for tuition, and the monthly loan payments are almost identical on the 20 year income based repayment plans. The only difference is the taxes paid on forgiveness ~67,200 vs ~30,600. Which over the course of 20 years would be equivalent to saving about $280 vs $130 a month (~$150 difference). Im not sure if I’m doing this wrong but it really doesn’t seem like that much of difference to me in the long term? Am I crazy for still seriously considering Oregon or should I just accept the cheaper option at WSU?
I second everything Britzen said.I wasn’t sure where to ask this but since y’all are talking about picking a more expensive school...I have a similar dilemma of my own of choosing between OSU (Oregon) and WSU.
When just comparing total tuition between the two, WSU is cheaper (about $45,000) due to being able to switch instate. However, I have been educating myself on the repayment plans and using the VIN loan calculator just for tuition, and the monthly loan payments are almost identical on the 20 year income based repayment plans. The only difference is the taxes paid on forgiveness ~67,200 vs ~30,600. Which over the course of 20 years would be equivalent to saving about $280 vs $130 a month (~$150 difference). Im not sure if I’m doing this wrong but it really doesn’t seem like that much of difference to me in the long term? Am I crazy for still seriously considering Oregon or should I just accept the cheaper option at WSU?
@britzen and @MixedAnimals77 Thank you both for your insights This really helps. I’m honestly new to student loans, and I’ve been trying to educate myself on the future implications. The uncertainty of these repayment programs and the possibility of them getting taken away in the future does scare me, and I really don’t want to make a decision that I will regret for the rest of my life. The vets at my work have been somewhat unhelpful (as I don’t think they fully grasp the debt load for current vet students). For some reason they think the $45,000 difference is negligible (and it honestly confuses me why they think that), so this modern perspective is much appreciated!I second everything Britzen said.
My 2 cents is to try not rely on government repayment options. People have been burned too many times by them-just look at the PSLF debacle. I realize these repayment options exist because there is a need for it but we have yet to actually see IBR/REPAYE playout. There's another great story about a MI state repayment plan that barrowers got screwed over on as well.
Just some general things: (Full disclaimer I am not fully versed in the IBR/REPAYE/etc but what I do know from VIN and a few debt lectures through VBMA-debt free vets on FB is a good resource too if things like REPAYE/IBR are fuzzy.)
The taxes paid on forgiveness will be based on your income tax rate could range from 12%-30%+ depending on your future income based on the amount you would have remaining. Payment plans you would also probably grow your loans and end up paying more over time than straight paying them especially with interest-it's KILLER.
I hope you read my post above- think about what you could do with that 45k plus interest. I left my IS for 30k less in student loans. I wouldn't change it for the world for the money and for things that have happened that people never saw coming (ie earning half my education online I don't have this feeling that some people do of being stuck paying more for these "opportunities" that got taken away because of COVID). One of my classmates could have gone to OR IS and chose to pay more and come to WSU. They feel jipped with COVID-we all do-but I think it's a stronger sentiment among those that chose a school that costed more than their cheapest available option to them.
Hey! I'm pretty sure you can apply to any summer research program, regardless of school. I did summer research at Purdue's vet school as an undergrad and absolutely loved it! I cannot speak highly enough about the vets in my research group. The vet student on the project was a Purdue student, but there were some students from other schools working with other research groups.This is very good to know! Additional question: is it possible to do summer research projects with labs not belonging to the vet school I attend? Will I be able to track down some PI/resident in Davis to work for a couple summers while attending Purdue?
I've seen on school websites that pre-vets can do summer research at whichever vet school they apply to, I'm not entirely sure vet students can do that too. I really want to ask the admission officers but I don't want to bother them either, I imagine they must have their hands full with offers going out.Hey! I'm pretty sure you can apply to any summer research program, regardless of school. I did summer research at Purdue's vet school as an undergrad and absolutely loved it! I cannot speak highly enough about the vets in my research group. The vet student on the project was a Purdue student, but there were some students from other schools working with other research groups.
They can. Here's more info on the BI website about it: North American Schools | Veterinary ScholarsI've seen on school websites that pre-vets can do summer research at whichever vet school they apply to, I'm not entirely sure vet students can do that too.
Students are eligible to apply to any of the institutions listed with an active Boehringer Ingelheim Veterinary Scholars Program, regardless of where you are currently enrolled.
You make me so happyThey can. Here's more info on the BI website about it: North American Schools | Veterinary Scholars
That's fair. Yeah I'm definitely still leaning towards Ohio, and I would absolutely consider a residency at Tufts, or even an internship at the wildlife hospital there. I think I'm going through the 'rapidly approaching 30' crisis even though I know that age means nothing, but I'm dealing with those existential themes, especially as I'm working through my own personal fears of commitment etc. And since vet school and my career as a veterinarian will be the biggest commitment I've made thus far in my life, I definitely want to set myself up for success as much as possible. Which I think is the cheaper school, but still feels weird somehow. Living in the future and kind of planning for these things is sort of new to me.More specifically to @max_wildlife, you can live in New England after school too...there’s many many years after graduation where you can choose where you live. Most diagnostic pathology jobs now are even virtual and you can live anywhere, and there’s quite a few schools in the northeast. I would argue you’d have more free time to after vet school anyway. And you can use what you’re saving monthly on loans for fun in the New England sun. In regards to a research contact...I would still go to the cheaper school. This contact will always be a contact if you maintain the relationship and going somewhere else can actually build your network and open even more doors. Maybe you apply for a residency at Tufts?
Sorry I should have been clearer, there were definitely vet students from other schools doing summer research with other groups!I've seen on school websites that pre-vets can do summer research at whichever vet school they apply to, I'm not entirely sure vet students can do that too. I really want to ask the admission officers but I don't want to bother them either, I imagine they must have their hands full with offers going out.
There can definitely be a disconnect depending on people's views of money from it's ok to swim in debt ot default to they may have so much money 45k is a drop in the bucket. I also think it's partly what you've had experience with and what becomes "nothing" vs a "big deal" monetary wise. Right like when you're little $20 is a BIG deal. Now $20 is less than a full tank of gas for me. So I think some of that plays into it as well. Personally, I think 45k is a huge deal but I always think what could I do with that money instead. I think it is helpful to attach that number to something tangible to make it more realistic especially when it's just this number on paper for the time being.@britzen and @MixedAnimals77 Thank you both for your insights This really helps. I’m honestly new to student loans, and I’ve been trying to educate myself on the future implications. The uncertainty of these repayment programs and the possibility of them getting taken away in the future does scare me, and I really don’t want to make a decision that I will regret for the rest of my life. The vets at my work have been somewhat unhelpful (as I don’t think they fully grasp the debt load for current vet students). For some reason they think the $45,000 difference is negligible (and it honestly confuses me why they think that), so this modern perspective is much appreciated!
You take your English degree and leave-insert joke about asses needing vacations-
Ya now that I’m thinking about it them being in one of the highest paid vet fields (lab animal) is probably skewing their perspective. I’m not sure how I will consider $45,000 in the future as I have no idea what field I’ll end up in, but right now it’s $10,000 more than even my undergrad degree which seems slightly insane. I’m pretty sure I’ll end up going with WSU because I think I’m willing to sacrifice the things I like about Oregon to hopefully have a happier future. Thank you for your thoughts sometimes I feel like I need a nice dose of reality haha😅There can definitely be a disconnect depending on people's views of money from it's ok to swim in debt ot default to they may have so much money 45k is a drop in the bucket. I also think it's partly what you've had experience with and what becomes "nothing" vs a "big deal" monetary wise. Right like when you're little $20 is a BIG deal. Now $20 is less than a full tank of gas for me. So I think some of that plays into it as well. Personally, I think 45k is a huge deal but I always think what could I do with that money instead. I think it is helpful to attach that number to something tangible to make it more realistic especially when it's just this number on paper for the time being.
Come to the dark side we have bears😊Ya now that I’m thinking about it them being in one of the highest paid vet fields (lab animal) is probably skewing their perspective. I’m not sure how I will consider $45,000 in the future as I have no idea what field I’ll end up in, but right now it’s $10,000 more than even my undergrad degree which seems slightly insane. I’m pretty sure I’ll end up going with WSU because I think I’m willing to sacrifice the things I like about Oregon to hopefully have a happier future. Thank you for your thoughts sometimes I feel like I need a nice dose of reality haha😅
That’s half of a new grad GP salary for some people I know. Half your yearly salary in extra loans. Plus interest on top.I’m not sure how I will consider $45,000 in the future as I have no idea what field I’ll end up in
That's almost three of my car, and I'd love to not have a car payment...That’s half of a new grad GP salary for some people I know. Half your yearly salary in extra loans. Plus interest on top.
Uh I wouldn't be so sure about that. GP vets around here are pulling in more than I am after a 3 year residency (and I know ER vets are likely doing even better than that). If they work in industry they might be doing better but lab animal in academia is... let's say often underfunded.Ya now that I’m thinking about it them being in one of the highest paid vet fields (lab animal) is probably skewing their perspective. I’m not sure how I will consider $45,000 in the future as I have no idea what field I’ll end up in, but right now it’s $10,000 more than even my undergrad degree which seems slightly insane. I’m pretty sure I’ll end up going with WSU because I think I’m willing to sacrifice the things I like about Oregon to hopefully have a happier future. Thank you for your thoughts sometimes I feel like I need a nice dose of reality haha😅
Oh I guess my boss just may be an anomaly for academia 😅 he’s definitely making a lot more money than I ever would expect to make as a GP vet 😪Uh I wouldn't be so sure about that. GP vets around here are pulling in more than I am after a 3 year residency (and I know ER vets are likely doing even better than that). If they work in industry they might be doing better but lab animal in academia is... let's say often underfunded.
I definitely think $45K is a lot of money.
Have to also remember that they may have some outside funding considerations. One of our researchers makes just a little bit more than an ER vet in private practice through his school salary, but then he makes money outside of that through other gigs.Oh I guess my boss just may be an anomaly for academia 😅 he’s definitely making a lot more money than I ever would expect to make as a GP vet 😪
Ooh that sounds so fun!! I’ll be interning for a couple of weeks at a zoo, then *hopefully* things will be relatively normal enough by July to go on a trip to South Africa with my grandparents that was supposed to happen last summer. I was going to try to do a much longer internship that would’ve left me zero time at home, but I decided to compromise with something a bit more relaxing!Hi everyone! So excited to come back on here and see this thread started after being off the site for a bit! I have 3 more weeks left at my job at the vet hospital and then I'm going home to live with my parents and work at my high school summer job (popping popcorn by the lake! what could be better than that?!) I already put a security deposit down and signed the lease to the house I'll be renting in TN! This is all so crazy! I used to read these posts every year and get so excited for when it would be my turn!
How do you guys plan to relax and have fun this summer (considering COVID)?!
I hope to travel a bit (COVID permitting) nowhere crazy but maybe go up north or drive to North Carolina... I’m wary of flyingHi everyone! So excited to come back on here and see this thread started after being off the site for a bit! I have 3 more weeks left at my job at the vet hospital and then I'm going home to live with my parents and work at my high school summer job (popping popcorn by the lake! what could be better than that?!) I already put a security deposit down and signed the lease to the house I'll be renting in TN! This is all so crazy! I used to read these posts every year and get so excited for when it would be my turn!
How do you guys plan to relax and have fun this summer (considering COVID)?!
I will be going to Nashville to see my fiancé’s family in April and then hopefully moving to Columbus in June to settle in and relax before school! Maybe another trip to Nashville because it will most likely be the last time until I graduate with how busy everything is🥲 😂Hi everyone! So excited to come back on here and see this thread started after being off the site for a bit! I have 3 more weeks left at my job at the vet hospital and then I'm going home to live with my parents and work at my high school summer job (popping popcorn by the lake! what could be better than that?!) I already put a security deposit down and signed the lease to the house I'll be renting in TN! This is all so crazy! I used to read these posts every year and get so excited for when it would be my turn!
How do you guys plan to relax and have fun this summer (considering COVID)?!
I 10/10 recommend. My fiance and I are eloping the week after graduation and I'm thrilled to not have the stress of planning a wedding.i would really rather elope
As someone who caved to the wedding. 10/10 recommend eloping.I 10/10 recommend. My fiance and I are eloping the week after graduation and I'm thrilled to not have the stress of planning a wedding.
As someone who caved to the wedding. 10/10 recommend eloping.
Honestly that is what I have wanted to do from the beginning but my mom was all about the wedding and said she would pay for it and all of these false promises without knowing how much a wedding/ event costs and so now she’s backing out but still wants me to have and pay for one? And do it her way? So basically she wants a wedding but doesn’t want to pay for it and i said there’s not much i can do about that. I think we are probably going to elope at this point because for me it’s not worth the drama or the stress or constant back and forth during vet school.As someone who caved to the wedding. 10/10 recommend eloping.
Ah yes...see the difference here is the bolded was less than idealI must be the odd one out lol because i actually love planning. As a kid, I would plan my birthday parties a year in advance with all the details of theme, cake, decorations. Although there was a lot of stress when planning my wedding (since I was also completing my masters at the same time), I still really enjoyed it! But then again, I also was blessed with a great support system: both my parents and my in-laws provided physical and financial support through the whole process.
I also love planning and organizing! I just didn't think a wedding was worth the cost when we could buy a house sooner instead 🤣I must be the odd one out lol because i actually love planning. As a kid, I would plan my birthday parties a year in advance with all the details of theme, cake, decorations. Although there was a lot of stress when planning my wedding (since I was also completing my masters at the same time), I still really enjoyed it! But then again, I also was blessed with a great support system: both my parents and my in-laws provided physical and financial support through the whole process.
Fair enough. We saved money as much as we could. My mom and I love arts and crafts, so we did lots of DIY decorations!I also love planning and organizing! I just didn't think a wedding was worth the cost when we could buy a house sooner instead 🤣
Sit down with your SO and make your compromises before you start and set your expectations for each other-and be flexible!To those currently married in vet school, any advice for those of us who will be entering vet school married?
This is exactly why I took my breaks easy. Starting clinics soon and have nothing planned for any of my vacation blocks because I need those breaks that will be some of my last everBut if you need a mental break that’s fine. I mean once you enter the workforce you’re not going to have just weeks at a time to relax and have fun so you may as well take advantage while you can. I’d kill for more than a week off at a time lol.
(I am also very tired)(Also note that I am very tired. So tired.)
I pretty much did this too. Did research and worked a lot. I tried to make sure I took a week or so to go visit my parents and have a little down time each summer and I'm glad I did that.I did research both summers and also worked in the large animal hospital between 2nd and 3rd year. Took some time off to relax too. Did a bit of traveling. Thoroughly enjoyed not having exams to study for
I’m sorry if I’m being annoying with this! I really appreciate all of your more knowledgable opinions 😩 but I spoke with my parents and they want me to be able to make my decision without worrying about the money. They aren’t able to pay the difference upfront, but they said they are willing the contribute to my monthly loan payments (or tax savings) to make up for the difference in tuition between Oregon and WSU. However, I’m still scared about taking out that much debt upfront even though I know I will have help repaying it. Will it make a difference in my life with having that much debt tied to my name? In my mind, I was just about to fully commit to WSU, and now I’m conflicted again. 😔Ya now that I’m thinking about it them being in one of the highest paid vet fields (lab animal) is probably skewing their perspective. I’m not sure how I will consider $45,000 in the future as I have no idea what field I’ll end up in, but right now it’s $10,000 more than even my undergrad degree which seems slightly insane. I’m pretty sure I’ll end up going with WSU because I think I’m willing to sacrifice the things I like about Oregon to hopefully have a happier future. Thank you for your thoughts sometimes I feel like I need a nice dose of reality haha😅
Are they willing to still put that amount of money towards your loans if you go to WSU instead so that you are in an even better place financially?I’m sorry if I’m being annoying with this! I really appreciate all of your more knowledgable opinions 😩 but I spoke with my parents and they want me to be able to make my decision without worrying about the money. They aren’t able to pay the difference upfront, but they said they are willing the contribute to my monthly loan payments (or tax savings) to make up for the difference in tuition between Oregon and WSU. However, I’m still scared about taking out that much debt upfront even though I know I will have help repaying it. Will it make a difference in my life with having that much debt tied to my name? In my mind, I was just about to fully commit to WSU, and now I’m conflicted again. 😔