If you’re an animal lover with a few pets, you do your best to take care of your furry, reptilian or feathered friends. Like you, they’ll need health check-ups and will get sick or injured at some time, requiring medical attention.

We all know the infamous love story: Boy meets girl. They fall in love. They get married. Then girl finds out boy has tens of thousands of dollars in student loan debt. The bills are a struggle, and they are working all the time. The fighting begins. The story may end with a divorce. Is there a way to avoid such a mess?