How bad are professional schools for the individual?

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MichaelR

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Hi all,

Regarding the controversy between professional schools and university based programs, I have found the discussions on this board to be very insightful. I think that many posters have made a very strong case for professional school's damaging the profession of clinical psychology as it stands and I agree. However, thats not what I am concerned with in this thread and I don't mean to make the debate go in that direction again. What I am concerned with is the potential for how freestanding professional schools effect the students that attend them.

I think it is easy to say that being 200,000 in debt is much worse than not being in debt and I also think it is easy to say that the superior job prospects that come along with a university education are better than those of professional schools. But from my perspective, as a prospective student, this seems like an oversimplification of the matter.

For example, in my case, being a student who is going to graduate with a great GPA, honors, and good GRE scores but has no chance at all of being accepted to a Ph.D. program for not having enough research experience or good enough letters, the idea of attending a good ph.d. program seems seems just as daunting to me as the debt of a professional school. I will have to spend 1-2 more years gaining more research experience, and then I MIGHT get accepted to a program after jumping through all the hurdles involved. Then, assuming I get into a program I will have to spend 6-7 years (I think this is accurate?) in school obtaining my Ph.D., while not losing money, but also not gaining money, until I can finally start a career. On the other hand if I were to attend Argosy and get a Psy.D. in 5 years and accure a debt of 150,000 from doing so (tuition 100,000 + 50,000 living expenses, does this seem reasonable?), I get to get out and get started on my career making money around 3 years sooner at a Clinical Psychologists salary (50,000-60,000 or so sound reasonable?).

And yes, I see the massive assumption I made here that I will be able to land a job upon graduating from a professional school. However, also what I have heard on this forum from those attending professional schools seems to be that the cream rises to the top and it is essentially what you make of it. Then, isn't it reasonable to assume that I were even able to get admitted to a good Ph.D. program and be succesful in one of those, given how much higher quality, on average, the students are that can do so, I would probably be one of those good students in a professional program that would be able to be succesful and attain an APA-internship? Unless of course I am wrong and it is more a matter of luck what happens after getting a non-reputable Psy.D.

Of course I can also see the huge potential for throwing away tens of thousands on a professional program if it really doesn't work out. I see this darker side that the professional school has on the individual of robbing their money and their time. And it saddens me that that can happen to a person. But since it seems that people can be succesful after attending such programs, and there must be reasons for this, it seems to me an over-simplification to just say that it is bad for someone to attend one because on average there are worse job prospects and there is more debt involved.

Perhaps an M.A. or an M.S.W. would serve those of us better who primarily want to perform therapy, but of course there is a certain level of debt involved with those degrees as well and the lowered salary may take its toll and make it a worse investment over time.

But to conclude, the question I am asking is, does attending a professional program ALWAYS have negative expected value attached to it for a student who may be capable of being admitted to a Ph.D. program, or does it vary according to the capabilities of the individual and can those capabilities be predicted. I would also like to say, that while I agree that professional schools negatively impact YOUR profession, I am not yet a part of that profession and am looking toward MY profession and how I can make a difference in the world. Please feel free to rip my perspective to shreds if you can tell me how I'm wrong; I claim to know very little about these issues. But it is possible that others out there in similar situations see this from the same angle I do.
 
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Everything you said is relatively reasonable. And no, of course not every professional school stuident is struggling with their debt and I know many in top positions (doesn't necessatrily mean top money though 🙂) However, i would just add, that if you are thinking of applying, then yes, its is your profession, and you have to care about. I get the sense that alot of professional school resorters are the ones with the attitude of "screw the profession and its standards and its future directions"...."I just want my degree and my career." Wrong. Its not all about you pal....:laugh:
The degree and field are exclusionary. Im fine with it. Let me tell you why.

I wanted to go to Yale or Havard for undergrad, but guess what...I couldnt. And I understand why I couldnt. I wouldnt dare ask Harvard to lower its standards for one peeon like me because i realize the greater importance of ensuring top notch students go there...otherwise the place will eventually go to sh-t. See the analogy I'm making? I made my peace with it and pursued other avenues to accomplish my wants and dreams. No one is entiteled to the doctorate, or even the opportunity (admission) to get a doctroate. I think the recent thread on doctorates for the "working professional" is a great example of this. I think people should spend more time thinking how they should accomadate the doctorate, rather than it acommadating them......

My wifes favorites movie is A League of Their Own. Tom Hanks has some greaty quotes in there that crack us up. One good one that really rings true is his repsonse to Dotty quitting the team because it's gotten too hard. His character replies "It's supposed to be hard. If it wasn't hard, everyone would do it. The hard... is what makes it great!"
 
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I agree with Erg-- It would be your profession, too, and I'm having trouble believing that you're willing to devote your career to a profession that you don't care about.

I also want to point out that the $150 000 in debt would very quickly turn into thousands more (interest). Apparently there are government-sponsored loan forgiveness programs after 10 years, so that might be worth looking into if you choose the professional school route.

The last factor involves the quality of the training. I'm currently a first year student in a fully-funded PhD program. There are 2 other students in my cohort. Class sizes in my program over the past 10 years have ranged from two students to six students. We all get a lot of individual faculty attention, both for our research work and our clinical training. I don't know too much about professional schools, but I find it very hard to believe students at schools with incoming classes of 20 or 50 are able to get the same kind of intensive individual training that we get.
 
1. There are funded masters programs
2. What is up with everyone in the world thinking loan money is free money? thewesternsky makes a good point, and that point... is interest. Not to mention, I think you should never take out money with assumption you won't have to pay it all back, regardless of govt. programs.
3. I disagree with you when you say its an over simplification to say PsyD result in too much debt and less job opportunity. Why do we go to college? To get a better job is one of the main goals. To live a comfortable life is another. With these two things being major goals, it's a major problem when a type of schooling makes this difficult.
4. Another thing to consider is training. Are you going to get the attention you need at a PsyD program as the "cream" if the "dirt" is continually taking up the limited resources? There's just such large classes!

I'm presently in a masters program trying to improve my vitae also. The two extra years is TOTALLY worth it.
 
1. Not to mention, I think you should never take out money with assumption you won't have to pay it all back, regardless of govt. programs.
.

I'm not so sure I agree. After all, the loan forgiveness programs were created because legislators felt there was value in encouraging some students upon graduation to perform work with the underserved and/or for the public good. There are similar programs in place within the legal profession. I think there;s an argument to be made that the graduate who's willing to work with the rural poor in a clinic, or say on a Native American reservation, earns the right to have loans forgiven.
 
I disagree with that logic, but this isn't really the thread to get into that.
 
I'm not so sure I agree. After all, the loan forgiveness programs were created because legislators felt there was value in encouraging some students upon graduation to perform work with the underserved and/or for the public good. There are similar programs in place within the legal profession. I think there;s an argument to be made that the graduate who's willing to work with the rural poor in a clinic, or say on a Native American reservation, earns the right to have loans forgiven.

But who's to say whether or not those programs will be in existence in the long run? Laws change, government funding (and willingness to fund) programs change....there's no guarantee.
 
But who's to say whether or not those programs will be in existence in the long run? Laws change, government funding (and willingness to fund) programs change....there's no guarantee.

True enough. That is a gamble individuals must factor in.
 
Hi all,

For example, in my case, being a student who is going to graduate with a great GPA, honors, and good GRE scores but has no chance at all of being accepted to a Ph.D. program for not having enough research experience or good enough letters, the idea of attending a good ph.d. program seems seems just as daunting to me as the debt of a professional school.

Are you sure about this?!? I say this because you are assuming that you will not be accepted without tremendous amounts of research experience. That is not always the case. I finished my undergraduate degree in 5 semesters and had only 2 semesters of research experience (very minor experience really.) Now this is an N=1, but I got accepted despite having fairly light research experience at several institutions... more is better, but you can overcome this deficit. I was accepted at 3 fully funded programs.

I will have to spend 1-2 more years gaining more research experience, and then I MIGHT get accepted to a program after jumping through all the hurdles involved. Then, assuming I get into a program I will have to spend 6-7 years (I think this is accurate?) in school obtaining my Ph.D., while not losing money, but also not gaining money, until I can finally start a career.
Once again, not 100% true. There are other options. HPSP and other military programs offer the opportunity to MAKE a living while attending school. You won't get rich, but it can be a net gain in the right circumstances. I am sure that other examples exist. Civilian students at USUHS, while not as well off as the military students make $27,500 per year with no tuition and have NO commitment to ANYONE.


On the other hand if I were to attend Argosy and get a Psy.D. in 5 years and accure a debt of 150,000 from doing so (tuition 100,000 + 50,000 living expenses, does this seem reasonable?), I get to get out and get started on my career making money around 3 years sooner at a Clinical Psychologists salary (50,000-60,000 or so sound reasonable?).
It's not faster than Baylor or USUHS, Baylor is typically 4 years, and USUHS runs from 4 years for military students and 5-7 years for the civilian students, many finish in 5 years.

And yes, I see the massive assumption I made here that I will be able to land a job upon graduating from a professional school. However, also what I have heard on this forum from those attending professional schools seems to be that the cream rises to the top and it is essentially what you make of it.
This is true to some extent in any field... but yes, you can do well if you are smart and talented. That's the nature of life.

But it is possible that others out there in similar situations see this from the same angle I do.
Try to get into the program you want first before just jumping to the Psy.D. programs at professional schools. It makes sense to risk a few dollars to be told no. I spent a lot of time and money in applying to programs. It was worth it in the end (even though the program I got into had no application fee.) I had choices. It did take me two years to get accepted and I did apply to an obscene number of programs.

On the other hand, I am at a great program, fiscally solvent, and a happy camper.

Mark
 
I'm not so sure I agree. After all, the loan forgiveness programs were created because legislators felt there was value in encouraging some students upon graduation to perform work with the underserved and/or for the public good. There are similar programs in place within the legal profession. I think there;s an argument to be made that the graduate who's willing to work with the rural poor in a clinic, or say on a Native American reservation, earns the right to have loans forgiven.

I would not have 1. Applied to or 2. taken the position at a professional school if I had no intention of going back into the Army for loan forgiveness. I knew going in my student loans would always just be on paper. And I don't feel bad about it one bit. The program is there, and will be there for the forseeable future.
 
People need to go into graduate school with a plan, as the time commitment alone requires a lot of thought, let alone the financial impact. I'm at a university-based Psy.D., and I'm coming out with some debt between my undergrad and graduate school educations, but I knew that going in. The biggest obstacle for me was lost potential income (which is in the high 6 figures for 8 years of my time). I made a plan to help negate some of that loss, but it'll still take at least 12-15 years to break even...ouch, but at least I'll enjoy what I'm doing.

I am most concerned with the people who take on debt willy-nilly (currently @6.8%!). Interest can really add up, and loan forgiveness programs are hard to come by. I didn't plan on a loan forgiveness program, though I very well may look there if the market stays in bad shape.
 
Agreed with what the others said about not counting yourself out just yet for the university based programs.

I also want to add the point, counter to my main stance on the subject, that almost all schools are PROFESSIONAL schools in the most literal sense of the word. Now... more than ever.

A school could not survive without some basic capitalisitic motivation. The state government and donors do not provide nearly enough cash to keep those places afloat. Many discussions take place on how to recruit new students and how to cut dead weight that isn't producing for the school.

So, that train of thinking basically validates your point about the cream rises to the top. The degree of shadyness is often multiplied at some of the professional schools but it doesn't mean that there aren't people who buy their way into traditional university programs as well.

I think maintaining that mindset, that good is good regardless of where they are, will help you succeed regardless of your location or career path. I believe the trouble comes into play when people see the professional schools as a short cut or a last resort or all else failed so here I am with this option now.

As for the debt, I'm one of the biggest fans of the newest public service loan forgiveness program BUT it's a lot trickier than just paying your loans and having it gone away after 10 years. The job descriptions are vague and limited to public service, university work, government work, and/or high needs rural areas (I think)... It is also untested at this time... 9 more years to go... and with the way this nation is taking on debt, who knows if this program will remain in tact by the time a payout occurs.

Finally, you must make 10 years of payments from either standard or income contingent payment options... no others!! They are not low figures; the last income contingent I ran for someone was $150 in debt and $800/month on a $42k annual salary. That's a small mortgage... for 10 years... the FIRST ten years of your career where you'll be trying to establish yourself in the field, build a client base, find your niche, etc.

So, though I'm a fan, I now advocate with much more careful words than I once did... and I count my Blessings every day that my loan debt is lower than the average between all of my years of schooling. Knowing what I know now, it easily could have been 2-3 x its current amount. T4C is exactly correct -- grad school takes a lot of planning and understanding.

As for MSW vs PsyD vs PhD investment wise... my MSW is not ideal for cash cow status. NEVER will be... on most insurance and Medicaid, I think the reimbursement rate averages $20/more an hour for a psychologist than a social worker. I haven't done the math but you'd also benefit by being able to test as a psychologist to bring in more cash. Flu isn't good for math so I'm not even going to try... if this interests you, it seems like it'd be fairly simple to work out the actual math and see how psychologist vs social worker stacks up in the long term. I'd guess psychologist, even professional school, would win if you were in private practice with a solid client base and regular referrals for assessment and testing.

Good luck with your decision!
 
2. What is up with everyone in the world thinking loan money is free money? thewesternsky makes a good point, and that point... is interest. Not to mention, I think you should never take out money with assumption you won't have to pay it all back, regardless of govt. programs.

Well what I was trying to get at here wasn't simply that loans can be ignored, but that there is the opportunity cost associated with staying in school longer, doing post-bac work, and the uncertainty attached to applying to solid Ph.D. programs. While I see your point that debt shouldn't be taken lightly, I think it would be a mistake to not at least factor in the possibility that extra earnings (time is money) can take a large chunk out of the debt.
 
Everything you said is relatively reasonable. And no, of course not every professional school stuident is struggling with their debt and I know many in top positions (doesn't necessatrily mean top money though 🙂) However, i would just add, that if you are thinking of applying, then yes, its is your profession, and you have to care about. I get the sense that alot of professional school resorters are the ones with the attitude of "screw the profession and its standards and its future directions"...."I just want my degree and my career." Wrong. Its not all about you pal....:laugh:
The degree and field are exclusionary. Im fine with it. Let me tell you why.

Well put, and what you have expressed as well as some internal feeling I have that tells me "something isn't right here" when I think about professional schools is what will probably stop me from attending one, even if I were to conclude that it was not a bad economic decision.

Its tough when prospective students are presented with two options as dichotomous as professional schools and university-based clinical programs. Some programs where the GRE is not required, and others where acceaptance rates are as low as 5%. Then compare this, to say law schools where there are programs suited to a very wide range of scores without leaving major gaps.. (not to say that the legal field doesn't have its problems becuase I know the proliferation of mediocre schools is a problem their as well).

On another note, we are still being told in class that the Psy.D. is the practitioner degree and that you shouldn't apply to Ph.D. programs if you want to practice primarily. And this is coming from my undergraduate institution that has a top clinical program. Are those in the ivory tower trying to send us away to professional schools?
 
Thanks for the helpful responses all, I had little idea about the existence of loan forgiveness programs prior to this. Perhaps also I am overly frightened of the Ph.D. admission process.
 
I think the message they are sending is wrong, but comes from the right place and with good intentions. That is, they dont want their clinical programs to become saturated with a bunch of people who cant wait to get into the clinic but are less than thrilled about pursuing research endeavors. It makes for undproductive (research-wise) grad students, lowers school reputation and faculty productivity. I think this is understandable, and indeed many programs are not suited for individuals who want to pursue pp careers. However, at the end of the day, the fact is that most ph.ds go into clinical service positions. Where else would they go? Its not like their is an infinite numbers of tier one psychology deprtments and medical schools. And keep in mind..... it is a degree in clincial psychology. Its not a experimental psychology program. You'll get good clinical experience in a traditional ph.d program, quite a bit of it most of the time....🙂
 
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