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Ok....so it sounds like you haven't really thought it all through yourself. You know income based repayment, the amount you owe continues to increase and you then have to pay taxes on the amount discharged....which will still be over $100K.
Average starting salaries WILL differ depending on what school you graduate from. Most job postings don't list a flat base salary, they negotiate it. And if they are getting 50 applications for one opening, are they going to think less of someone who didn't go to a US school and toss you out of the pile right there? UK vet school also means you are not eligible for many government programs which state you must attend a school in the US or Puerto Rico.
Based on UC Davis graduate data, lots of vet jobs don't pay medical, dental and vision. So you have to pay for that. If average starting salary is $65,000 (assuming you get a job) this is take-home $38179 in CA. If you pay the full tuition with loans, your monthly payment is $2100. This leaves you with $12,979 to pay for your cost of living. Which in CA is at least $9,600 in rent alone. Now you have $3379 left per year for food, utilities, pet care, gas etc. If you have to pay for your medical and dental, that is $2100 per year ish right there!
Well, since you seem to have it all figured out. Why are you asking?
Yes, I have thought it through. No, vet jobs are not going to put out a base salary though if you READ MY POST, you will realize I did not say that. Job postings will list a salary range, if you don't believe me, go look. Type into google, veterinary jobs postings. I know how hiring works (I have helped with it and where you graduated from had no bearing on what salary the vet was offered), you will sign an agreement to a salary, if you think you are getting ripped off, then don't agree to the job, but that is on you. For the most part, places do not care where you graduate from, some places will, some don't (you can't change this). Some clinics have prejudice against certain US schools too. If a clinic really has some prejudice against a certain school chances are great that they just simply will not waste the time to even interview you. If they have a budget for a new position then they will offer to you a salary, then you can accept or decline. There is no way to know if the place is going to offer you less because you graduating from Edinburgh vs. Iowa State (for example). I don't feel that is the case. I have never seen that happen, but I can't say that it doesn't nor can you say that it does. I have not heard of anyone here at Edinburgh saying that they are having issues with jobs yet. But I know it does happen, but it happens and is happening to people coming from the US schools too and this isn't just a get a poor salary offer, this is not being able to find a job. This is just a reflection of the current position of the state of vet med and is not a reflection upon the school. The UK schools are accredited and Edinburgh in particular is the sister school of Colorado State University vet school.
Yes I know how the income based repayment works... thank you very much. I also know exactly how much debt I will have upon graduation. I also know and have looked into how much it will cost me to pay back loans per month by going through both IBR and not going through IBR. It will be very, very difficult for anyone to manage the payments each month without doing IBR (these payments are sometimes more than your take home amount each month without IBR). Also, thank you for using an example of how much things cost while living in one of the most expensive places in the US... good job. If you want to live in an expensive area, then yes, it will be very difficult for you and you will have to conserve your living (you are going to have to do this no matter what). I KNOW this. I was raised this way. It DOES NOT bother me. I also don't plan on being silly and living in the middle of LA when I graduate (it can be done, I just don't plan on doing it). Also, you seem to know that most places don't provide insurance... please to tell me how you know this. Because every clinic I have ever been to has some sort of insurance available to their employees. Obviously, not all of them will, but again, this is something that you FIGURE OUT when you apply for a job and sign a contract. It isn't that hard to be smart about things and think about this place is offering me x salary with no insurance... can I manage?
So I will state again, that no, I do not think that you will be at a disadvantage coming from a UK school trying to find a job. I also do not think you are going to get offered less of a salary simply because of this. I also think that if you have these concerns then Edinburgh is not the right school for you and you need to go elsewhere. I am also not sure I believe you actually got accepted and instead want to troll the thread and act as if we haven't thought about our schooling, where we are going to school and the debt we are taking on, when the reality is that we know what we are doing and getting into. If you are unsure about going to a UK school then don't go and stop suggesting that we have no idea what we are doing.