I started to write out a super long post with quotes and citations but lost it, and I have to go into work in a few minutes and just... can’t be bothered right now. Not enough spoons. Maybe later. You do bring up good points.
I’d be lying if I said I wasn’t still bitter about the whole vet school thing in general, which is probably influencing my opinion. It just sucks to pay what feels to me like a significant amount of money, even under PAYE, for an education that I didn’t finish. Yes, I knew what I was getting myself into. Yes, I went to a cheap IS school knowing full well what taking one of my OOS acceptances would have meant for me financially. But I didn’t go in expecting to fail out halfway through and end up working in a completely different field making not even half of an average veterinarian’s salary with which to service the six figures of debt, either; no one does. No one expects to be in the 1-2% of matriculating vet students who won’t finish. We all had the reasonable expectation that we would finish vet school and graduate as veterinarians when we started because, well, statistically, that’s a fair assumption to make. Yeah, I also took out loans for undergrad, but they’re pretty small compared to the vet school loans and I probably could have paid a fair chunk of them already had it just been them I had to worry about.
And having this level of student loan debt hanging over your head all of the time and repaying it does have a psychological effect just as much as it does a financial one, especially when it’s fraught with the awful experiences and memories that mine is. Technically, yes, I am saving money with PAYE versus paying what would be required of me on a standard repayment plan, but at least it wouldn’t feel like my money isn’t making ****all difference on the amount owed with the standard repayment. This could well be something people just won’t quite fully grasp until they’re actually in the midst of paying it back, I don’t know. I didn’t expect it to hurt this much.
I might be feeling especially sensitive about this at the moment because my class has their virtual graduation this weekend. Meh. It’s also been kind of a ****ty week at work in general.
May come back with another post later, I don’t know. I’ve got something like 100 tests from a possible nursing home outbreak to run.