I've decided to move on from pursuing PT as a career. It's hard to decide this, but I also feel a great sense of relief knowing that I won't have that enormous debt cloud hanging over me, especially considering such incongruent debt-to-income numbers. I haven't posted much on here, but I've read many thoughtful posts from so many of you. Many have pondered if going into a huge (100K+) kind of debt is basically worth it for a DPT, and that's extremely hard to calculate when all I've been counting on is being a PT. Now on the eve of applying, I started seriously pondering all of this- it's as if seeing the high tuition on school's websites were a little too far away/abstracted for me to realize how I'd stand financially after school. It's not just about debt-to-income, but also from what I've gathered from various PTs about declining reimbursement, their views on how the DPT is unsubstantiated, and some who desired to do PA if they had a chance to start over again. I'm now investigating PA and am extremely excited to see a better fit for me, but that's another long post. As a sort-of side note, I've pondered how private outpatient clinics are having to hire more PTs to counter declining reimbursement and seeing pts for a shorter amount of time- dovetailing a lot- and that gives me a headache thinking about how my day will play out. Inpatient will bore me to tears as a PT (where I work now as an aide), and I'm not interested in the least in home health or peds. A clearer picture started to form, and for me, the negatives started outweighing the positives (and there are tons of positives too as you know). Of course, I could go on.... I'd also like to say that it's a bit harder for me to move since I'm married, and we own our house (mortgage cheaper than rent thankfully). Naturally I'd like to stay nearby, which means only one school is really available to me, and it's 28,000/year for tuition only. I just can't justify that. I just wanted to share a bit of my experience and thoughts leading up to my decision. Thanks for all of your intelligent ruminations of where PT is headed. We all have some big decisions to make. Maybe I'll see some of you in the pre-PA forum...?!