My Veterinary Life

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Financial health for new veterinarians

Loans, budgets, salaries, and everything in between

Financial health requires skills that you might not have learned in veterinary school. Use these resources to start off on the right track post-graduation.

Student loans

Financial planning

Managing your finances

Insurance options for new veterinarians

Veterinary salary estimator for new veterinarians

The AVMA Veterinary Salary Estimator can provide you with approximate salary ranges to use as a guide for pay negotiations, budgeting, and financial planning. Use this tool to guide salary negotiations or map out different earning scenarios as you begin your veterinary career.

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Student loans

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Student loan programs: What’s changing?

Extensive changes to federal student loan programs were approved by Congress and signed into law in July 2025. See a summary of the key changes affecting veterinary borrowers.

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Understand your loan repayment options

Student loan repayment isn’t one-size-fits-all. Before that first payment comes due, get to know your options.

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Simulate your student loan repayment

The VIN Foundation student loan simulator helps you choose or update the repayment plan that best aligns with your goals. Run "what if" scenarios to see how repayment works and how life choices you may make can impact your plan.

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Financial hardship and paying back student loans

If you're having a difficult time repaying your veterinary student loans after graduation, it's important to know your options.

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Financial planning

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Personalized financial planning tool

This veterinary-specific tool helps you build a personalized profile of your finances so you can evaluate potential salaries, expenses, loans and savings strategies.

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Personal finance: Connecting all the pieces

Take a practical, big-picture approach to finances with this webinar. Gain actionable insights into core topics like savings, managing debt, planning for retirement, insurance, compensation, and yes—even budgeting.

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Managing your finances

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Setting yourself up for financial health

Start your veterinary career off on the right foot with these important financial tips.

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Tracking spending on the go

The best expense tracker is the one that you're most likely to use consistently. Explore some of the most popular app options here.

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Credit card payoff calculator

Use this calculator to determine how long it will take to pay off your credit card debt.

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Retirement calculator

It's never too early to plan for retirement. This calculator can help you establish a savings plan for retirement so your golden years are golden.

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Insurance options for new veterinarians

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AVMA Insurance Services: Your unparalleled coverage

AVMA Insurance Services, formerly AVMA LIFE/PLIT, provides insurance and retirement solutions designed specifically for veterinarians. These programs are available exclusively to AVMA members.

Looking for malpractice or license defense coverage? With AVMA Insurance Services, you won't be alone in the event of a claim. The AVMA Insurance Services team will be there to support and advocate for you.

Review your options for disability coverage to protect your income if you should become sick or injured. Also check out the life insurance products to keep your family financially secure.

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Podcasts

Streaming now: Stories from your peers

AVMA's My Veterinary Life® podcast offers a personal glimpse into the lives of your colleagues. Tune in for inspiring stories from fellow veterinarians about the journeys, challenges and successes that got them to where they are today.

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Enhance your opportunities for success at every stage of your career

AVMA membership supports you in your day-to-day life as a veterinarian.

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