Debt load

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I also agree with Telamutt - work 80 hour weeks but that's going to push you to burnout really fast. In fact, I think our school is having a lunch presentation in the next few weeks about the burnout/suicide/stress.


it was on friday lailanni. the pizza or suicide lecture! actually we learned mostly how to report people without getting them in trouble. 1 in 4 veterinarians will be affected by stress disorder (not just stress) and/or substance abuse. yeesh!!
 
Thanks rachroo, this is perfect!

No problem, I am happy to help! I actually think I may have gotten that site from someone else on SDN a while back ago.

I've been using it as well to get a realistic idea of how long I think I will be paying it all off!
 
I will admit, after reading all your posts about burnout - it is something I didn't consider. Truth is, i worked the crazy hours I worked because A) I always had a fun job (Vet tech) and B) I had too to make ends meet.

I guess, in a situation (like being a vet), where I didnt HAVE to work 70+ hours a week, I might begin to experience burn out.

I know you can't control everything in life, but I always tried to enjoy my work, and that has made all the difference. I have more respect for the people on this thread who worked 40 hours doing a crappy job while in school then for myself, simply because the experience was amazing and fun.

I'm kind of surprised all the emotions this thread has started - but I think it is a good and much needed subject we have or will have to come to terms with.
 
it was on friday lailanni. the pizza or suicide lecture! actually we learned mostly how to report people without getting them in trouble. 1 in 4 veterinarians will be affected by stress disorder (not just stress) and/or substance abuse. yeesh!!

ha, way to go me 🙂 I keep thinking about writing all the lunch lectures in my planner but I never quite get that far.

1/4 is a lot! That's around 24 people in our class alone. 😱
 
one other last consideration: I know a lot of you are just being sarcastic/joking in your cavalier attitude towards having $200K + ($300k+??) debt at the end, but most adcoms will ask you about your plan in an interview. I know all mine did and I entered vet school debt free (thanks to working full time). If it is important enough to be a deciding factor in your acceptance, it should be important enough for you to have a clear understanding of how long it will take to pay and a *realistic* plan for dealing with it.
 
My plan for after vet school is to minimally do an internship. Then afterwards I am planning to work full time and pick up a couple relief shifts a month. I know in my current local the going rate is around $75 an hour for relief emergency work which can definitely help take a dent out of student loans when they are 10-12 hour shifts.

David, you sound like you have everything figured out, and it's a good plan... but I feel you have to admit that things may change over the next five years and make it a bit more difficult for you! One example I can think of is... suppose you meet a significant other during the next five years? All of a sudden, 10-12 hour days are a LOT less appealing, as are the odd hours of emergency care...

I make no assumptions about what you want and do not want out of life, but I just wanted to point out that there is ALWAYS something that could change in the future, and planning like nothing will happen is just asking for it. Lol. I think that was suMstorm's point in the first place... plan all you like, but you can never be sure. It's not like you shouldn't plan, you should just be prepared to adjust your plan accordingly. (Not really trying to pick on David...) 🙂
 
I've been accepted into my IS school for my DVM, which should work out to about $64K if they don't change the tuition rates (roughly $16/year * 4 years = $64K).

Just a heads up, since I believe your IS is CSU. For the year starting fall 2007, IS was ~14600. For 2008, IS was ~16,700, a $2100 increase. And the Colorado state government economic condition is *not* getting any better.
 
Not sure what everyone's career aspirations are once out of school, but there is the possibility of working for Uncle Sam, once graduated.

From what I've heard, some federal organizations have loan forgiveness programs--always tempting for, well, the vast majority of us who will owe approximately a gazillion dollars once out of school for good.
 
Yes, I think that people sometimes do not understand just how much of a burden debt can be. When I graduated with my MPH, I did not immediately jump right into vet school for this same reason. I wanted to pay the school loans I had back first (which I was able to do in the first year living like a pauper) and then save up enough money to pay at least half my vet school, again living like a pauper I was able to do that. Luckily I have a fiance with who just got offered a good position in Fort Collins that wants to foot the living expenses while I am in school to show his support! This is why I gave myself a little leeway in choosing an OOS school instead of IS. Yeah, I am almost 30 and older than my classmates are, but I think it was worth it.

I have to say though, if I was single and/or did not take time to save up the money, I definitely would be choosing IS no matter what. Everybody has a unique situation.
 
Luckily I have a fiance with who just got offered a good position in Fort Collins that wants to foot the living expenses while I am in school to show his support!

Where can i find me one of them????? 😀
 
Man, maybe I should go into human medicine and be in a specialty making at least 300,000 a year..

I think it sucks a LOT that we don't make nearly the money human medical doctors can make. Oh well, money is not my motivation, but happiness and passion are.
 
I am really curious about something. Many have posted on this thread and previous threads that they worked full time through undergrad. Assuming your definition of full-time is 40 hrs/week, I would just like to know when your classes were? I always worked like 15-25 hrs/week through college...but I would probably have to miss every lecture if I worked 40 hours/week. What hours during the week did you work? If you had any basic 9-5 job, were your classes at night? Did you work overnights at an emergency clinic or something? All the lectures here are between 8am and about 8pm...which is the same hours of operation of most businesses...

so what exactly was your schedule like?
 
David, you sound like you have everything figured out, and it's a good plan... but I feel you have to admit that things may change over the next five years and make it a bit more difficult for you! One example I can think of is... suppose you meet a significant other during the next five years? All of a sudden, 10-12 hour days are a LOT less appealing, as are the odd hours of emergency care...

If I met an amazing SO, I would keep the relief shifts and give up the full time gig!

I would LOVE to be a stay at home dad! I can cook, I can clean(sorta), I already have the minivan to drive the kids to soccer practice in! 😀😀

Your not single are you?!? 😉

Life could happen, if it does there is always the 25 year extended repayment option. Or there is always the Income dependent repayment option, which when considering a 200K loan, is financially advantageous if you average less than ~$130,000 a year over the course of those 25 years. And with the Income dependent option there is an option for loan forgiveness if you work for a non-profit(could be a major plus for people interested in shelter medicine?).
 
so what exactly was your schedule like?


In my case I condensed all my classes into Tuesday/Thursday or Monday/Wednesday lectures and labs and worked the rest of the weekdays (9-10 hour shifts) and both days on the weekend. I worked at a small animal clinic which was open on Saturday and at a spay/neuter facility on Sundays. It was exhausting so it was a huge relief when I was able to cut out one of my work days and do a half shift instead of a full shift for another day. But I have to say that although working while going to school is not recommended (at least in vet school) it helps keep me sane. It reminds me of why I'm putting myself through the stress of midterms and finals.
 
If I met an amazing SO, I would keep the relief shifts and give up the full time gig!

I would LOVE to be a stay at home dad! I can cook, I can clean(sorta), I already have the minivan to drive the kids to soccer practice in! 😀😀

Your not single are you?!? 😉

Cuu-u-u-te! Lol!

Nope, I've been with Bean for six years as of March 24th. He's pretty awesome. Sorry! 🙄 I'm sure there are lots of lovely ladies in Columbus. :laugh:

I'm glad that you've considered alternate possibilities.
 
I am really curious about something. Many have posted on this thread and previous threads that they worked full time through undergrad. Assuming your definition of full-time is 40 hrs/week, I would just like to know when your classes were? I always worked like 15-25 hrs/week through college...but I would probably have to miss every lecture if I worked 40 hours/week. What hours during the week did you work? If you had any basic 9-5 job, were your classes at night? Did you work overnights at an emergency clinic or something? All the lectures here are between 8am and about 8pm...which is the same hours of operation of most businesses...

so what exactly was your schedule like?

I worked 7-8 Saturdays and Sundays, during the week I did the night shift, and I worked for the rest of my time, I was allowed (much to the dismay of the other techs) to schedule my work around my classes.

Although sometimes I was forced to drop classes (because it cut into schedule), or take classes at a later time/semester. It therefore took me an extra 2 years to finish undergrad. I say I did 60-70 hours a week, because during summer, I worked like a dog, but it was probably more like 40 - 50 during the semester.

That said, I don't remember studying in Undergrad, which explains some of my C's 🙁
 
I think what sun was saying, is those people who worked full time while in school are the same people who will most likely have no problem working 80 hours after school.

Don't think she was judging - and I agree with her (as I understood it)

You got it. Takes a lot of stamina and determination to obtain and maintain such a schedule. Personally, I think it is a skill...and just like other skills, one that has to be developed.

It is possible, I am sure, for someone who hasn't worked a demanding schedule to become motivated and do so upon receipt of a professional degree.

Not judging whether a given individual is capable of it, just observing that people who tend to do so often already have done so. Past actions often predict future behavior (isn't that the basis for using grades to determine admissions to vet schoo.?) At least here, in my opinion, people are thinking about it.
 
Unless you make the mistake of putting your spouses name on your student debt (usually done in consolidating), This is NOT true. Your spouse has NO responsibility for your student loans. You die and he/she forwards your death certificate to the loan companies and that is the end of it.

So the moral of the stroy is DO NOT combine any student loans with your spouses loans/debt.

And don't take out any private student loans, which are not discharged upon death. However, if you are forced to file bankruptcy while married (in part because your student debt is expensive).....

Anyway you look at it, loads of student debt will affect your partner...even just in terms of day to day living. So part of the story is make sure your partner knows all the dirty details before you get serious.
 
I am really curious about something. Many have posted on this thread and previous threads that they worked full time through undergrad. Assuming your definition of full-time is 40 hrs/week, I would just like to know when your classes were? I always worked like 15-25 hrs/week through college...but I would probably have to miss every lecture if I worked 40 hours/week. What hours during the week did you work? If you had any basic 9-5 job, were your classes at night? Did you work overnights at an emergency clinic or something? All the lectures here are between 8am and about 8pm...which is the same hours of operation of most businesses...

so what exactly was your schedule like?

I have posted this a couple of places, so here goes:

4:30-5:00am wake up
5:30am- 7:30am deliver newspapers
8:00am - 4:00pm-ish attend classes, TA, tutor, possibly some RA duties
5/6:00pm ish - start shift as CNA
12:00-12:30am- relieved from shift
1:00am bed

That was Mon-Fri averaging 2 hours paper delivery, 6 hours of CNA, and a varying schedule of tutor/TA depending on the day/term (TA'ing wasn't lecturing, it was running labs, grading papers, helping students, etc...so some flexability...and it helped me nail down my knowledge, plus it paid min wage.)

Saturday and Sunday I worked from 8am-6/8pm as a TIG welder at a manufactured building company. I was the only female in the factory.

In 4 years of college I missed 2 classes. Neither was due to work schedule.

During breaks I worked double shifts as a CNA, picked up hours as a waitress and security guard (at the same plant I welded in), and at christmas worked at a USPS hub mail sorting overnight.

I didn't work conventional jobs...and I didn't work jobs that helped my future career (which I regret) because I needed jobs that paid the most for the work I did. I couldn't afford to make $5.25 in my desired path if I could make $13 or $20 in another area. And I highly doubt any adcom is going to care that I can weld, or any of those other skills.

I worked those hours because for my last 2 years of highschool and my first 2 years of college, my parents didn't speak to me. If your parents won't acknowledge your existance, they also don't surrender FAFSA information. My choice was to work that hard and go through school, or work a little less but for much longer (possibly a lifetime.) I haven't lived in my parents home since the summer I turned 16.

There are a lot of overnight jobs....you just have to look for them (well, maybe not in this economy) and you have to determine what is and isn't worth it. It is very hard to do...and I don't really think you can do it and not affect GPA or health. At least, I couldn't
 
That said, I don't remember studying in Undergrad, which explains some of my C's 🙁

:laugh: I remember my notebooks went everywhere with me, and I studied info as condenced as possible...maybe that is why I never got into studying in the library!

😴 I also remember napping during classes (certainly not good for the GPA), and I grabbed 10 minute snoozes in between classes (since nearly all my classes were in the same building.)

I will say that I was fortunate to be at a school where nearly everyone worked at least PT....and to have the most awesome Profs who would work around my schedule for meetings and such (I had more 7:30 am meetings over toast.....)
 
And I highly doubt any adcom is going to care that I can weld, or any of those other skills.

Anyone who can tig well is cool in my book! Talk about an art.

I spent easily an hour trying to weld some 1" square aluminum tubing into a frame during my undergrad and it had to be one of the most frustrating things I have ever done.
 
I don't work full time, but it would have been pretty easy when I was a rehab tech. The owner wasn't fond of us switching out midshift, so that pretty much restricted me to weekends. I typically did full two days a week, which would be a minimum of 26 hours. If I had done a couple shifts during the week I would have easily have been working full time; I believe I was taking 18 hours that semester. I wouldn't recommend it if you don't like your job 🙁
 
Anyone who can tig well is cool in my book! Talk about an art.

I spent easily an hour trying to weld some 1" square aluminum tubing into a frame during my undergrad and it had to be one of the most frustrating things I have ever done.

:laugh: Once you get the hang of it, it's pretty easy....but it is like any other skill...practice practice practice. I found that conducting necropsies without destroying the carcass takes similar hand coordination (and if I ever have an interview, I hope to mention that :idea:.)

My dad taught me so I could do some of the equipment repairs when he had to take extra work off the home farm to make ends meet early on. Dad works for a subsidary of Caterpillar now (and still runs the farm), and offered me a job last week... apparently he caused a guy to quite because he couldn't make flat rate and dad made some scathing comment about how his daughter could do a better job. :scared: Then told my husband that he should be driving the 'nice' car and let me have the old beat up one, because hubby is the primary income earner, and needs to have a reliable vehicle. :meanie: Of course, hubby's attitude is that I should have the better, more reliable car because he thinks I would be more 'vulnerable' if it broke down on me.....and dad couldn't stop laughing at the idea that I would be vulnerable (or that I couldn't do more to repair the vehicle than hubby...who is an engineer...one of the ones who shouldn't be allowed to touch anything mechanical 😛.)

At least I am getting some entertainment while waiting for the last round of rejection/acceptance letters.

BTW, I 😍 my dad and the fact that even now he has no doubt that I can handle anything life dishes out. Poor hubby is still adjusting to my crazy family 😱.

What were you using aluminum tubing for? The last thing I worked on was a solar car that gave me nightmares.
 
i just have to say, i am truly amazed by and really admire those of you who seemed to have literally worked your butt off during college.

i don't know how you did it! 😱
i can barely handle myself right now, with only 5 classes and working only ~10 hours/week...

i just really admire those of you who worked really hard through undergrad to get to where you are now. i don't know if i could ever do something like that.
 
i just have to say, i am truly amazed by and really admire those of you who seemed to have literally worked your butt off during college.

i don't know how you did it! 😱
i can barely handle myself right now, with only 5 classes and working only ~10 hours/week...

i just really admire those of you who worked really hard through undergrad to get to where you are now. i don't know if i could ever do something like that.

I think your struggles are beyond the school thing....something isn't falling into place for you concept wise, and that is incredibly stressful and frustrating 😕. Sounds a lot like o chem for me (at the time, I tutored in it the following year.)

The same techniques that will get you through your current struggles are what enabled me to work like crazy through undergrad: a goal on the horizon, an unwillingness to fail, a realistic view of the juggling act, and a sense of humor 😀. I tell my loving husband every day that I can't do it again, though. I can't figure out how I managed the first time. Hubby is trying to assure me we won't ever have to again. We are preparing for the worst now, though, with the economy. :luck: I am looking at a job 2 hours away (hoping to work from home 3 days a week.)

As hubby likes to say...if life gives you lemons....time to make lemonaid. :banana:
 
how did you find time to study for classes? i find most of my struggles come from the fact that i'm extremely paranoid about grades and get very obsessive and neurotic when it comes to taking exams :scared: that's probably what stresses me out the most.

it also doesn't help that my school is super competitive and doing well is just about average :lame:
 
Quote:
Originally Posted by flyhi
You get married thereby making someone else responsible for your debt (i had a hard time with this),
Unless you make the mistake of putting your spouses name on your student debt (usually done in consolidating), This is NOT true. Your spouse has NO responsibility for your student loans. You die and he/she forwards your death certificate to the loan companies and that is the end of it.

So the moral of the stroy is DO NOT combine any student loans with your spouses loans/debt.
Chris, that is good news about the student loans.

My comment here was more referring to the fact that going to school and incurring debt directly affects not only the vet student in the sacrifices that must be made, but also their SO's. Having an SO that not only supports your decision to undertake the emotional and financial burden of vet school, but to also carry the weight during this time and well afterwards, is a true commitment. It was not something i was willing to ask of my husband at the time.
 
how did you find time to study for classes? i find most of my struggles come from the fact that i'm extremely paranoid about grades and get very obsessive and neurotic when it comes to taking exams :scared: that's probably what stresses me out the most.

it also doesn't help that my school is super competitive and doing well is just about average :lame:

LOL. My last two years of HS I attended a consortium school located on a college campus. You took 6-8 classes M, W, F with science and writing labs on T,TH. If you made more than 1 C a semester, you were immediately expelled, so each semester we had what we called the 'Butchers List' just after finals. The stress was brutal. There were 800 invited (had over a certain GPA, certain SAT's, and proven themselves outside of the classroom( applicants for 100 spots. My labs my jr and sr year of HS were more difficult than my freshman and sophmore years of college. So labs and lab reports were'nt a problem at all for me. If labs were a seperate grade, my GPA would be drasticly higher. Oh, and if you were kicked out, you went back to your original HS, but the grades tranferred back as C = 3.7, B & A = 4.0 (though if you graduated, your grades stood as they were with the presumption that the program stood for itself.) Oh, and if you answered everything 100% right on homework, tests, labs, and essays, you weren't guaranteed an A. A's were reserved for students that demonstrated the ability to synthesize information across disciplines.

The most important thing about that school though was that it taught me how to study. Everyone was tested for LD's, along with basic math and language skills. If you were weak somewhere, you knew it, and you were told just how it would affect your performance in class and at that school, and how to improve it in a short period of time. You were also tested for learning styles and given dozens of methods to improve your learning methods. So I didn't have a huge transition into college, and i had the skills to facilitate learning. I invested heavily in short chunks of time (such as putting key concepts on a sticky attached to my steering wheel) and in study aids that could go with me everwhere. I only skimmed textbooks. I had a solid foundation of skills going into undergrad, so i didn't have to form those (but even now, since I still tutor, I often read updated books on study methods...now i am learning TAG teach methods.)

Now, having said all that, I graduated with a 3.4 GPA. I couldn't juggle the working well enough to avoid the occassional C. O chem about destroyed me, because there was a lot of memorization. I was exhausted alot of the time. I also didn't look very healthy...and I didn't really have relationships. I had a few close friends (4) who had similar life situations. I didn't really date. I also didn't get to atend parties or hang out or go to games. I have lost track of everyone I knew in college other than those 4 friends. I could not do it now. I will not do it again.

I think, if you don't have to, it isn't something to aspire to. If you have the resources to work PT while attending FT and the loans are something you really understand and will be able to manage upon graduation, that is the better route for your long term well being.

I do think, if at all possible, working PT is worthwhile during the school year, but if your really struggling, even that might need to be cut down.
 
i guess it's not so much of an academic struggle (my grades are fairly good) as it is a mental struggle.
 
one other last consideration: I know a lot of you are just being sarcastic/joking in your cavalier attitude towards having $200K + ($300k+??) debt at the end, but most adcoms will ask you about your plan in an interview. I know all mine did and I entered vet school debt free (thanks to working full time). If it is important enough to be a deciding factor in your acceptance, it should be important enough for you to have a clear understanding of how long it will take to pay and a *realistic* plan for dealing with it.

I love this board because you guys keep me so focused on things I may have not considered! Thanks to this thread (and especially this post)...I'm definitely going to be debt free when I get interviewed! Luckily, I made it out of my undergrad with a little over $5,000 in loans. Plus, I work full time...so this should be easy!😀
 
David, could you post a link to the whole loan forgiveness for nonprofit workers thing? Is it hard to qualify for?
 
David, could you post a link to the whole loan forgiveness for nonprofit workers thing? Is it hard to qualify for?

This isn't the official info, but it gives pretty good detail:

http://www.finaid.org/loans/publicservice.phtml

I think with the 120 months of service/payment you would need to plan your career carefully (wonder what happens if your un employed at any point or take time off for something like pregnancy?)

And there is still a possability of owing tax on the forgiven debt when it is forgiven.

Here is a sheet from the Fed govt:

http://studentaid.ed.gov/students/attachments/siteresources/LoanForgivenessMarch18.pdf

Here is a doc from NASFAA

http://www.nasfaa.org/pdfs/2007/faqpublic.pdf

Something I always worry about with things like this, with such long durations, is that the standards (or existance) might dissappear. Kind of like how I figure SS will.
 
Although they are few and far between there are scholarships available for vet students if you are willing to dig and compete for them. I know APHIS has one, the Saul T Wilson scholarhips, about 10,000 per year, which if you are instate might be the majority of your tuition.
http://www.aphis.usda.gov/publications/animal_health/content/printable_version/saultwilson.pdf
YOu do have to work for them during vaccation/holidays and work for them 1 year for every year you are rewarded the scholarship.

Also if you work for the USDA FSIS afterwards, they pay back 10,000 per year you work for them for 3 years to your school loans. I also talked with our regional FSIS director recently, and she said they are trying to extend it to 5 years since they are so desparate for vets.

I know there are also one available through AKC and feed companies, I am just not as familiar with them. Just something else to ease the burden.
 
Although they are few and far between there are scholarships available for vet students if you are willing to dig and compete for them. I know APHIS has one, the Saul T Wilson scholarhips, about 10,000 per year, which if you are instate might be the majority of your tuition.
http://www.aphis.usda.gov/publications/animal_health/content/printable_version/saultwilson.pdf
YOu do have to work for them during vaccation/holidays and work for them 1 year for every year you are rewarded the scholarship.

The deadline for this one just passed (March 1) but it's a great one to keep in mind for next year if you're willing to make the 3-year post-school commitment. Also, you can only apply up through your 1st year of vet school, according to their rules.
 
Chris, that is good news about the student loans.

My comment here was more referring to the fact that going to school and incurring debt directly affects not only the vet student in the sacrifices that must be made, but also their SO's. Having an SO that not only supports your decision to undertake the emotional and financial burden of vet school, but to also carry the weight during this time and well afterwards, is a true commitment. It was not something i was willing to ask of my husband at the time.

I understand that but you were saying to take out a insurance policy in case you die in the amount of your student loans. I just wanted to make sure you knew that your spouse is not responsible for them unless his/her name is also on the loan.
 
I am really curious about something. Many have posted on this thread and previous threads that they worked full time through undergrad. Assuming your definition of full-time is 40 hrs/week, I would just like to know when your classes were? I always worked like 15-25 hrs/week through college...but I would probably have to miss every lecture if I worked 40 hours/week. What hours during the week did you work? If you had any basic 9-5 job, were your classes at night? Did you work overnights at an emergency clinic or something? All the lectures here are between 8am and about 8pm...which is the same hours of operation of most businesses...

so what exactly was your schedule like?

I was an artificial insemination tech. My schedule looked like this:

4:15am Wake-up and drive to my dairy herds

5:00 – 10:00 Breed my herds

10:40 – 6:00 Classes

6:00 – 9:30pm Study then sleep

On the weekends I would work about 7 hours rather than just 5.
 
By "breed herds" do you mean preg check them, hormonally prep them and the whole shebang? Or were you told which ones where receptive when you went in and jumped right into the AI.

Do you mind expanding on how you got a job like that? I'm quite interested in Ag repro and that would be an interesting job.
 
I did the whole shebang!

After arriving at the dairy I would check to see who was showing heat signs (had been ridden, had good tone, had mucus ect). I was responsible for chalking everyone and monitoring heat cycles, this is sometimes difficult in Texas because it gets so hot the cows don’t want to ride. I would administer synchronization shots to those animals that were not cycling or those that did not show obvious heat signs.

After figuring out who was receptive I would use the matching system provided by Genex to choose which bull to use.

When I was freshman in college I attended a 4-day AI training course. I learned the basics and got to practice on some culled animals. Eventually, I was hired by Genex as a breeder. Once I was hired they provided a much more extensive training. They paid for me to go to a 3000 head dairy and work with the breeder for a week.

This is the website for the short course. That will give you a good start. http://genex.crinet.com/page48/AITraining
 
As a graduating vet student I implore you not to think about future debt in this way. Go to the cheapest school possible. Above all else. If another school has an area that you are interested in, you can always extern there over the summers or in fourth year. Trust me on this.😳

+1 to frozen_canadian

Yes, yes, and yes. 🙂 If you really want to specialize or like another's programs, go do a kick butt externship, internship, or residency there. This is my plan for spring break is to set some of these up. Go cheap for your vet school. Trust me on this.
 
I did the whole shebang!

After arriving at the dairy I would check to see who was showing heat signs (had been ridden, had good tone, had mucus ect). I was responsible for chalking everyone and monitoring heat cycles, this is sometimes difficult in Texas because it gets so hot the cows don’t want to ride. I would administer synchronization shots to those animals that were not cycling or those that did not show obvious heat signs.

After figuring out who was receptive I would use the matching system provided by Genex to choose which bull to use.

When I was freshman in college I attended a 4-day AI training course. I learned the basics and got to practice on some culled animals. Eventually, I was hired by Genex as a breeder. Once I was hired they provided a much more extensive training. They paid for me to go to a 3000 head dairy and work with the breeder for a week.

This is the website for the short course. That will give you a good start. http://genex.crinet.com/page48/AITraining

Very interesting/impressed! Its a field I'm quite interested in, I've always enjoyed cattle and talking to the producers about their program, facilities, feeds, etc... Though repro and genetics are what I find trigger my interest the most in the industry.

Getting a foot in the door seems a little more doable now, thank you! 🙂
 
I understand that but you were saying to take out a insurance policy in case you die in the amount of your student loans. I just wanted to make sure you knew that your spouse is not responsible for them unless his/her name is also on the loan.


Understand, thanks. I probably blended all of my concerns together without being clear enough. That is great news for those who take out federal student loans, because i did not know the particulars. I will be attending St. George's where there are not currently federally funded loans, so all students must take out private loans if they are borrowing money. This is a completely different ball of wax.

thanks so much for the info 🙂
 
Very interesting/impressed! Its a field I'm quite interested in, I've always enjoyed cattle and talking to the producers about their program, facilities, feeds, etc... Though repro and genetics are what I find trigger my interest the most in the industry.

Getting a foot in the door seems a little more doable now, thank you! 🙂


No problem! This is a great opportunity to become proficient in a particular area and it pays pretty well. During my vet school interviews the adcoms were more interested in my AI training then they were with my masters research!

It is physically demanding labor and the early morning hours can be tough but the experience is great!

If you go to the Genex website there is a link that shows all the AI Training Schools that Genex has scheduled for the coming year (there are some in Canada too).
 
As a graduating vet student I implore you not to think about future debt in this way. Go to the cheapest school possible. Above all else. If another school has an area that you are interested in, you can always extern there over the summers or in fourth year. Trust me on this.😳

Freakn out here b/c my IS school pretty much rejected me so tryn to figure out Plan B (I'll post there later😳) including financial future... But are we saying that half our paychecks will be going back to repay student loans? So making $80,000/yr after graduation w ~$350,000 (including interest, yea undergrad and masters loans for me, eek) in loans = 8 years to repay.
I was thinking more like 1/3 of my paycheck will be going back to student loan payments, in which case roughly 13 years to repay (?) Maybe less than that b/c hopefully my yearly salary will go up over time. I dunno.
ugh must stop stressing out.
 
But are we saying that half our paychecks will be going back to repay student loans? So making $80,000/yr after graduation w ~$350,000 (including interest, yea undergrad and masters loans for me, eek) in loans = 8 years to repay.

At $80K year, you have to figure at least 1/3 goes to taxes, so that leaves you with $54K to work with. Half of $54K is $27K, so even if you put that all towards the loan, it would take 13 years to repay, if that $350K already includes the interest accumulating as you're paying the loan back. Personally, I would not want to be living on $27K/year one year out of school, let alone 13.

Maybe if you have a high-earning spouse or a rich, elderly relative in failing health... Otherwise, I think you should plan on repaying over 30 years, going the income-sensitive route, reapplying to your instate school, or choosing a higher-paying career.
 
At $80K year, you have to figure at least 1/3 goes to taxes, so that leaves you with $54K to work with. Half of $54K is $27K, so even if you put that all towards the loan, it would take 13 years to repay, if that $350K already includes the interest accumulating as you're paying the loan back. Personally, I would not want to be living on $27K/year one year out of school, let alone 13.

I know this is a very complicated question, and i don't expect the same answer here that a CPA would tell me, but - Can you not deduct loan repayment from your income? I mean, if I payed back 50% of my annual income to loans, shouldn't I be taxed on only the 50% I have left?

I know - hornets nest of a question, but looking for a basic yes/no on that one 🙂
 
At $80K year, you have to figure at least 1/3 goes to taxes, so that leaves you with $54K to work with. Half of $54K is $27K, so even if you put that all towards the loan, it would take 13 years to repay, if that $350K already includes the interest accumulating as you're paying the loan back. Personally, I would not want to be living on $27K/year one year out of school, let alone 13.

Maybe if you have a high-earning spouse or a rich, elderly relative in failing health... Otherwise, I think you should plan on repaying over 30 years, going the income-sensitive route, reapplying to your instate school, or choosing a higher-paying career.

I'm no expert...but I think we may be forgetting to factor in salary increase? I'm sure somewhere within that 13 years you will start earning more than 80,000/annum. If not because you have gained more experience then because of inflation. That could reduce the amount of time it takes to pay back your loans. And if you try to pay back all that debt in less than 15 years, you will be living on a small net salary per year. But it might be worthwhile to just reduce your monthly payments and take longer to pay it back. Of course you will be paying back more interest in the end, but as time goes by your monthly payment will be smaller in relation to your salary. I think my dad earns around 80k a year and he is still paying back college loans, but they are only like $150 a month.

But the elderly relative in failing health idea....it's probably a good idea to start being really nice to them if you have one😉
 
I know this is a very complicated question, and i don't expect the same answer here that a CPA would tell me, but - Can you not deduct loan repayment from your income? I mean, if I payed back 50% of my annual income to loans, shouldn't I be taxed on only the 50% I have left?

I know - hornets nest of a question, but looking for a basic yes/no on that one 🙂

For tax purposes, you can deduct the INTEREST you pay on your loans, but not the whole payment amount. Sorry!
 
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