I did not jump to the worst case scenario. I jumped to a scenario that seems realistic based on the vets I've talked to and based on this thread here.
http://forums.studentdoctor.net/threads/estimated-costs-of-veterinary-school.849671/
There are a few people in this thread to
http://forums.studentdoctor.net/threads/how-much-debt-do-you-have.1086875/page-2 who say they'll have loans of $250k+ as well.
I don't think it's fair for you to say I don't know what I'm talking about. I can look at a cost of attendance sheet, read articles about the oversupply of vets, look at starting vet salaries and average vet salaries, and understand current student loan interest rates (they're very high), and draw reasonable conclusions from this.
I've had to do all of these things (other than read the vet articles, which I just did because I'm interested) for MD schools. I've talked with both newly graduated vets and pre-vets who switched to human medicine.
Most if not all of what I said is accurate because I too have applied to a professional school. I understand the cost of different schools (law school, vet school, MD school, etc). I understand how interest rates work and I understand how tax works when you're paying off loans.
The only thing I didn't already know that I've read in this thread (and I've read it twice) is it appears vet school puts more emphasis on recent course work than MD school. I didn't know this and that may save the OP a bit of money. But we're talking pennies on the dollar in terms of what getting into and paying for a DVM will cost after interest.
This isn't anything close to what I've said. I think you are just wanting to paint me as the bad guy as I think a lot of pre-vet students are making bad decisions given the current market and cost (other vets in the other thread agreed with me). Please re-read my post in the other thread and see this isn't what I said. I said (and I stand by it) that "it's a bit arrogant to ignore the advice of vets who are advising against it," with "it" being taking on a massive amount of debt.
Again, I know for the most part all of these things. I've applied to professional school. I can look at cost of attendance for various schools. I too know state schools favor the home team and want to accept in-state applicants and they get a cheaper education. I understand how loans, interest rates, and starting salaries work.
Anyone with a basic understanding of math and tax law can look at cost of attendance and current interest rates as well as the oversupply of vets and give an informed opinion of the cost. It doesn't require me to be a pre-vet, vet student, or vet.