the specialties are just that - specializations. everyone graduates from vet school with the same basic understanding of animal medicine (obviously some schools offer say, more exotic electives than others). after that, you can (a) go straight into practice, (b)take a one year internship and THEN practice, or (c) take a one year internship and then specialize in a field of interest by doing a 3-4 year residency, doing research, and passing the board exam, and THEN practice.
i too was under the impression that the $40k in stafford loans was guaranteed for students. it not only pays for school, but the refund should cover most other expenses like rent, utilities, books, and food.
dude... vet school is so much better than undergrad, in my opinion. yeah, there's some drama, just because you're sitting in a classroom for 8 hours with the same 100 people day in and day out. but they're *all* animal people, and they're *all* medicine/science-oriented people. i think it's great; my roommates probably think i'm a sap, lol.
my only regret was going to a private school and coming in with 80 grand in debt.
my gpa was less than yours (3.5) and a similar gre, and i was denied cornell, but accepted at penn (i'm also a pa resident). penn has a really high percentage of its class from oos, but you'd be competing against a phenomenally high number of oos applicants. you're academics are fantastic; of what type was your 400 hours? if its pet sitting, no i don't think your chances are great, even with the great scores. if its research and/or emergency clinic work, or maybe even if its a great variety of experiences, i think you have a shot. are your good recs from at least one vet that you've worked closely with?
sorry that was so long-winded. hope some of it was helpful.