10+ Year Member
- Jul 15, 2009
- Reaction score
What do you guys recommend, aside from the more obvious things like going in-state when possible, living frugally, applying for scholarships, etc.?
I've crunched the numbers a million times and played with the calculator on VIN using different scenarios. My husband's salary is solid, and he's looking at a considerable raise (*fingers crossed*), so the numbers aren't so terrifying as they would be otherwise, but it's still scary.
For me, a lot of it has to do with my undergrad but also going IS is a big thing I would change too. I didn't have an in-state though (AZ)...
Here is my "hindsight is 20/20" list:
1. I would go to a community college for undergrad instead of a university. Yes, the university experience was great, yes I made some good friends, no it was not worth the $50K. That is additional money from that schooling on top of the vet school loans. I should have done community college for at least 2 years and then transferred to a 4 year university.
2. I would have worked more during school. Yes, I worked some, but I could have tried to work more. I should have attempted to at least try to pay living expenses while in undergrad instead of relying on loans. This could have saved quite a bit of money. Also, staying at home, free living while doing the community college thing would have saved a ton as well.
3. I could have lived more frugally. Really could have. I would do this over again.
4. I would move to a state that has a vet school and tends to favor things that my application would offer so that I could gain residency. I was told during my last cycle by a couple schools that I would have probably been accepted had a been an IS student when I asked for file reviews. I would do this yesterday if I weren't already in vet school.
5. After gaining residency, I would apply to out of state schools as well (still) but to those that allow for a change in residency status after 1 year.
I was 18 when I started all of this and really had the eyes fixed on the one goal mindset. Also, I was the first member of my family to attend college, so there was no one else to be learning all this school loan information from. I was basically navigating all of this on my own, not even my parents knew how any of this worked out. I was young, naive and wasn't worried about debt as an 18 year old in undergrad, or even as a 20 year old. Hindsight is really 20/20 and you learn things as you make mistakes. For me, it is too late to change what I did, but maybe someone else can learn from it and do things differently. Hopefully my little sister will eventually listen to me about all of this before she continues to make the same mistakes I already did (she isn't wanting to do vet school, but some of the above apply to a lot of different things).