It’s time to unleash some important information about a situation that could have a significant impact on our furry companions. As millions of Americans face the restart of student loan payments, we need to be prepared for the potential ripple effect on our pets and the already stretched-thin animal shelters.

The Paw-sibility of More Pets in Shelters

Picture this: you’re a loving pet owner, but life’s financial stressors are already making it challenging to provide for your four-legged friend. Now, add the resumption of student loan payments after a 3 ½ year hiatus into the mix, and you’ve got yourself a recipe for monetary stress that could be downright heartbreaking for pets, their owners, and our animal shelters.

According to Shelter Animals Count (SAC), a trusted source for animal shelter data, around 40 million people will once again face monthly student loan payments in October. This financial burden could potentially lead some pet owners to consider giving up their pets because they feel overwhelmed and unable to provide for them.

Stephanie Filer, the Executive Director of Shelter Animals Count, says, “For the owners, their pets, and the already stretched shelter system, it’s urgent for people to look at their budgets, create plans, and reach out to shelters now to help connect them with resources. The hope is that planning ahead will allow them to keep their pets at home and out of shelters.”

The Financial Strain on Pet Owners

The average monthly student loan payment is estimated at a hefty $503, and a survey by US News and World Report suggests that a majority of borrowers (85%) anticipate facing financial hardship due to student loan repayment. With 66% of U.S. households owning pets, and a significant portion of these pet owners falling into the Gen Z, Millennials, and Gen X categories, it’s clear that many could be feeling the pinch.

“From a housing perspective alone, these new monthly payments could make it difficult to meet rent or mortgage obligations, especially in a market lacking affordable, pet-friendly housing,” adds Filer. “This is crucial because shelters often cite housing as a top reason for pet surrenders, particularly for dogs.”

A Pet’s Paw-sible Lifeline: Resources to the Rescue

So, what can we do to help keep pets in their loving homes and out of shelters during these financially challenging times? Here are some pawsome resources and tips that pet owners across the nation can consider:

Budget-Saving Tips:

  • Discounts on Pet Supplies: Look for online retailers with subscribe-and-save programs for pet supplies, and keep an eye out for sales and discount codes.
  • Gifted Pet Supplies: Check neighborhood apps or social media groups for free or cheap pet supplies that people are giving away.
  • Spay/Neuter and Vaccines: Seek out low-cost, high-volume spay/neuter clinics and clinics affiliated with shelters for discounted services.
  • Emergency Medical Care: If your pet needs medical care you can’t afford, there are organizations that may be able to help.
  • Pet Food Pantries: Many shelters provide emergency food assistance to help people keep their pets during times of financial strain.
  • Pet Retention Programs: Shelters often offer resources to help people keep their pets at home if they’re facing a crisis, including medical care, behavioral resources, and more.
  • Pets.Findhelp.com: A national database of assistance programs for pet owners seeking various kinds of help.
  • Adopt, Don’t Shop: Consider adopting a pet from a shelter or rescue group rather than buying from a pet shop, breeder, or online seller.


In a world where financial stressors can lead to the heartbreaking surrender of beloved pets, it’s crucial that we spread the word about these resources and tips. Let’s come together as a nation to ensure that every pet has a loving home, regardless of the economic challenges faced by their owners.

And remember, when you adopt a pet, you’re not just saving a life; you’re saving a lot of money, too, which leaves more in your budget for their care. Let’s wag our tails and support one another because together, we can make a paws-itive impact on the lives of our furry family members!

About Shelter Animals Count (SAC): SAC is a collaborative, industry-led nonprofit organization that aims to improve animal welfare throughout the country by providing facts and enabling insights through The National Database of sheltered animal statistics.

About Pawlytics: Pawlytics is a management software designed to help animal rescues and shelters save more pets by streamlining the process from intake to adoption. Founded in Lincoln, Nebraska, in 2018, Pawlytics is on a mission to empower animal rescuers with affordable technology to further their lifesaving efforts.