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How Much Is Vet School?
Students pay less at in-state vet schools, but still spend more than $200,000 for a D.V.M. on average.
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Updated · 1 min read
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Ryan Lane is an editor on NerdWallet’s small-business team. He joined NerdWallet in 2019 as a student loans writer, serving as an authority on that topic after spending more than a decade at student loan guarantor American Student Assistance. In that role, Ryan co-authored the Student Loan Ranger blog in partnership with U.S. News & World Report, as well as wrote and edited content about education financing and financial literacy for multiple online properties, e-courses and more. Ryan also previously oversaw the production of life science journals as a managing editor for publisher Cell Press. Ryan is located in Rochester, New York.
Kim Lowe is Head of Content for NerdWallet's Personal and Student Loans team. She joined NerdWallet in 2016 after 15 years at MSN.com, where she held various content roles including editor-in-chief of the health and food sections. Kim started her career as a writer for print and web publications that covered the mortgage, supermarket and restaurant industries. Kim earned a bachelor's degree in journalism from the University of Iowa and a Master of Business Administration from the University of Washington. She works from her home near Portland, Oregon.
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The average cost of four years of veterinary school is more than $200,000 for in-state students and $275,000 for out-of-state students, according to the VIN Foundation, a nonprofit that offers veterinarians education and support.
Here’s how the most and least expensive vet schools stack up, and a breakdown of options students have for managing the costs of getting a Doctor of Veterinary Medicine, or D.V.M.
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula for student loan products takes into account more than 50 data points across multiple categories, including repayment options, customer service, lender transparency, loan eligibility and underwriting criteria.
Fixed APR
2.95-17.99%
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. (1)All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation. (2)As certified by your school and less any other financial aid you might receive. Minimum $1,000. (3)This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. Information advertised valid as of 7/28/2025. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.
Variable APR
4.24-17.99%
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply. (1)All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation. (2)As certified by your school and less any other financial aid you might receive. Minimum $1,000. (3)This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. Information advertised valid as of 7/28/2025. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula for student loan products takes into account more than 50 data points across multiple categories, including repayment options, customer service, lender transparency, loan eligibility and underwriting criteria.
Fixed APR
2.99-17.49%
Lowest rates shown include the auto debit discount. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment. Advertised APRs are valid as of 6/23/2025. Loan amounts: For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time. Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 10.28% fixed APR, 51 payments of $25.00, 119 payments of $182.67 and one payment of $121.71, for a Total Loan Cost of $23,134.44. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.78% fixed APR, 27 payments of $25.00, 179 payments of $132.53 and one payment of $40.35 for a total loan cost of $24,438.22. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. A variable APR may increase over the life of the loan. A fixed APR will not.
Variable APR
4.37-16.99%
Lowest rates shown include the auto debit discount. Advertised APRs for undergraduate students assume a $10,000 loan to a student who attends school for 4 years and has no prior Sallie Mae-serviced loans. Interest rates for variable rate loans may increase or decrease over the life of the loan based on changes to the 30-day Average Secured Overnight Financing Rate (SOFR) rounded up to the nearest one-eighth of one percent. Advertised variable rates are the starting range of rates and may vary outside of that range over the life of the loan. Interest is charged starting when funds are sent to the school. With the Fixed and Deferred Repayment Options, the interest rate is higher than with the Interest Repayment Option and Unpaid Interest is added to the loan’s Current Principal at the end of the grace/separation period. To receive a 0.25 percentage point interest rate discount, the borrower or cosigner must enroll in auto debit through Sallie Mae. The discount applies only during active repayment for as long as the Current Amount Due or Designated Amount is successfully withdrawn from the authorized bank account each month. It may be suspended during forbearance or deferment. Advertised APRs are valid as of 6/23/2025. Loan amounts: For applications submitted directly to Sallie Mae, loan amount cannot exceed the cost of attendance less financial aid received, as certified by the school. Applications submitted to Sallie Mae through a partner website will be subject to a lower maximum loan request amount. Miscellaneous personal expenses (such as a laptop) may be included in the cost of attendance for students enrolled at least half-time. Examples of typical costs for a $10,000 Smart Option Student Loan with the most common fixed rate, fixed repayment option, 6-month separation period, and two disbursements: For a borrower with no prior loans and a 4-year in-school period, it works out to a 10.28% fixed APR, 51 payments of $25.00, 119 payments of $182.67 and one payment of $121.71, for a Total Loan Cost of $23,134.44. For a borrower with $20,000 in prior loans and a 2-year in-school period, it works out to a 10.78% fixed APR, 27 payments of $25.00, 179 payments of $132.53 and one payment of $40.35 for a total loan cost of $24,438.22. Loans that are subject to a $50 minimum principal and interest payment amount may receive a loan term that is less than 10 years. A variable APR may increase over the life of the loan. A fixed APR will not.
How much you’ll pay for vet school depends on the school you attend and where you live. The American Association of Veterinary Medical Colleges tracks tuition and living expenses for resident and nonresident students at all accredited veterinary schools.
These are the U.S. vet schools at which the class of 2024 paid the most and the least for those costs, broken down by in-state and out-of-state students.
Most expensive vet schools
Most Expensive (In-State)
Most Expensive (Out-of-State)
Vet School
Tuition/Living Expenses
Vet School
Tuition/Living Expenses
Midwestern University
$502,419
Midwestern University
$480,571
Western University
$453,516
University of Pennsylvania
$456,353
Tufts University
$394,873
Long Island University
$450,143
University of California, Davis
$343,273
University of Arizona
$416,025
Tuskegee University
$332,485
Tufts University
$413,637
Least expensive vet schools
Least Expensive (In-State)
Least Expensive (Out-of-State)
Vet School
Tuition/Living Expenses
Vet School
Tuition/Living Expenses
University of Florida
$191,240
Texas Tech University
$235,345
Purdue University
$204,497
Washington State University
$273,090
Kansas State University
$213,298
University of Missouri
$274,424
North Carolina State University
$213,798
Texas A&M University
$305,255
University of Georgia
$216,243
Purdue University
$306,630
You can use the AAVMC Cost Comparison Tool to review expenses at all U.S. schools with accredited veterinary programs. The tool also lists the costs for accredited international vet school programs, where the least expensive option — at the University of Bristol — costs $252,706 for tuition and living expenses.
Managing the cost of vet school
Attending a vet school in the state where you’re a resident typically offers the best deal. For example, attending University of Arizona with in-state status is more than $100,000 less than if you attended from out-of-state.
If your home state doesn't have an accredited veterinary program or you want to attend school elsewhere, try to establish residency where you plan to enroll. Typically, this involves living in that state for at least a year and proving you intend to stay there.
Because in-state programs still have an average cost of more than $200,000, take some steps to manage veterinary school costs no matter where you find a seat:
Find free money. Like with other educational programs, the best way to pay for vet school is money you don’t borrow — such as grants, scholarships and fellowships. These are available for veterinary students. Ask your school’s financial aid office for details.
Use savings, if possible. Students often start vet school right after completing their undergraduate degree. But if you know vet school is in your future, look for ways to save as a college student.
Then, take out loans. Most vet students turn to debt: Theaverage vet school debt in 2022 was $147,258, not including any undergraduate loans, according to the American Veterinary Medical Association (AVMA).
While the cost of an expensive vet school — and its potential debt — may seem worth it if you’ll earn more money as a result, earning more isn't necessarily the case.
“There’s no data that says you will make more or less based on which school you attend,” says Dr. Tony Bartels, a member of the VIN Foundation’s board of directors.
Vet school costs and salaries
The AVMA reports theaverage vet salary for the class of 2024 graduates is $130,000. Ideally, you’d want to borrow no more than that projected starting salary in vet student loans, but that may not be possible.
Facing a potential debt-to-income ratio of more than 2:1, most students will want to opt for federal loans to cover costs for a D.V.M. Federal loans have options like income-driven repayment plans to help veterinarians keep loan payments manageable, based on their earnings. If you can borrow less — or end up earning more — repayment options like refinancing your vet school loans might make sense for you.
