Hi! Good question! I'm a former teacher who is now a second year OT student. I switched to OT because, not only will I be able to work with kiddos with special needs, but I will be able to do so in a variety of settings and in some cases, on a schedule that I will be able to make. There is very little flexibility with teaching. (And in my state, teachers make much less than school-based OTs) I have two children so flexibility became very important to me after I had my first, and I discovered how hard it was to be a teacher and have a small child at the same time. Teaching might be great once children are old enough for school, but those 5 or more years until they are old enough are rough. Childcare is expensive, and there is almost no such thing as part time teaching (unless you're some kind of specialist in math or reading). Here's another thing to consider with special education vs. OT: special ed teachers have students for one school year, but OTs can have children for their entire education. Who do you think is having more of an impact in those cases? I shadowed an OT who had had many students for her whole 15 year career. Have you shadowed in any private pediatric clinics? OTs in that setting have more freedom (you don't have to focus on occupation relevant to school) and they have more contact with parents. Another setting to check out is early intervention. In EI OT's work with babies-3 year olds and practice in their homes to help them meet developmental milestones. If you think flexibility will ever be important to you - go with OT! Also research other pediatric options besides schools, and trust me...it's nice to have options. As far as loans go...I'm married so I'm not borrowing money for living expenses, and I go to a "cheap" public school with in-state tuition. The return on investment will definitely pay off for me, especially when compared to what I would have made if I had stayed in teaching. Sorry this is so long! To sum up: shadow in more pediatric places and go to the cheapest school you can get in to!