Loan Repayment Strategies

Loan Repayment Strategies

Take the guesswork out of student loan repayment. One of the most respected student debt management experts in the medical and health professions, Paul Garrard, covers everything you need to know about repayment strategies in these practical video learning modules.

Introduction to repayment strategies and the modules

Start here for a short introduction to the learning modules and repayment basics to get the most out of the webinars. Be sure to catch the handy at-a-glance reminders at the end.

Interest rates and important changes to capitalization

This quick video tells you what you need to know about your interest rates, plus a 2023 update to capitalization. The capitalization change is good news for borrowers entering repayment, switching income-driven plans, updating income on PAYE, or leaving forbearance.


SAVE is the new income-driven repayment plan, released in 2023 to replace REPAYE. Check out the benefits of the SAVE plan and compare the details to PAYE.

Married borrowers and repayment

Tying the knot doesn’t have to mean putting your stomach in knots over loan repayment. This module makes it easy to understand how marriage might impact your repayment plan.

Public Service Loan Forgiveness

Are you considering or currently working for a government agency or a 501(c)(3) nonprofit? This module is a must-see for the when, where, and how of this highly beneficial loan repayment program designed just for you.

Postponing repayment

Here’s the important information you’ll need on deferment vs. forbearance if you ever find yourself needing to postpone loan repayment.

Federal loan consolidation

Do you have federal loans? Learn about the pros and cons of loan consolidation, and when it may or may not be the right strategy.


Thinking about refinancing your loans with a private lender? This helpful module covers important considerations to factor into your decision.

Changing repayment plans

Considering a change to your student loan repayment plan? Here’s what you need to know to make an informed decision, all in one short video. Note: This module references physician residencies and fellowships; the same principles apply to veterinary internships and residencies.

Additional topics

These learning modules were selected based on their relevance for rising veterinary professionals. Modules on additional repayment topics can be found on the New Veterinarian Loan Repayment Strategies page.