Need your experience to tell me if PT was worth it for you! Please!

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infocollector

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Hello everybody,

I joined SDN because I am looking for guidance from people who can truly give it to me. I am currently a biology major and I am not liking the road ahead of me in it. I was thinking I switch to kinesiology and become a PT or an OT. But from the research I did about it, how much it pays varies widely on many variables such as demographics, years of experience, etc...I am by no mean trying to be shallow, but let's face it, pays matter. I would like to start a family, find the love of my life and be able to support them financially to the fullest without being stressed 24/7 about payments of any type. I am not asking to live the most lavish life there is out there, but would I be able to live a comfortable/flexible life with the amount of pay I would make if I become an OT or a PT. I am leaning towards PT so far but I would like your opinions about this. Also the most important question here is to all of you who have went through PT and OT school, Was it worth it for you? If you are able go back in time would you make the same decision? Please consider the amount of time it takes someone to get a PT degree now, not back in the days, and please consider the student loans too. If I decide to become a PT I will definitely have to take loans out to pay for it, I will try to go to the cheapest program there is as long as it teaches me well! I really just need to know if this field is not under payed to what it really does. Because I firmly believe that PT's and OT's have a gratifying job in helping people and I admire/would love to do that. But in all reality I also need to take care of my future family and have them be happy too. I read many opinions about this but I just cannot get out of my head that so many people regretted their decision, yet so many others would do it again. My biggest red flag was people were saying that if you do not start your own business you are stuck with $70k a year max! And if you start it, it is a risky business. As everyone knows, insurance reimbursements have dropped, will it drop again and PT's and OT's make less than what they make now? I also want to know if breaking the $100k mark is possible if I further my education in PT, as in get a DPT or a PhD in PT. I am 21 years old and I really need some insight on this, please be as honest as possible in every aspect of it as this will affect my decision for the future. I am honestly very torn and cannot sanely make a decision. I see my self loving this career, except if the reality is that the pay is not enough, it will be a big factor for me not to go in this field.
Please do not just think I am doing this for money only, I believe helping people for the better makes me happy, but sadly the way the world works that is simply not enough to make my loved ones happy too. Sorry If I seem repetitive, but I feel like there is just so much to say about this and I really need opinions of people who have went to become a PT, OT, DPT, DOT, or simply have a PhD in one of the fields.

Thank you in advance!
 
You are asking a question that does not, and cannot, have a definite answer. There are 200K+ PTs currently (according to the BLS); some would have no regrets about having chosen this field, while I am sure others are convinced they made a big mistake.
 
infocollector said:
please be as honest as possible in every aspect of it as this will affect my decision for the future. I am honestly very torn and cannot sanely make a decision.
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Be careful about making decisions based on what some random people on the internet say. If you doubt your own sanity, reserve all major decisions for later...

Shadow some PTs, OTs and whoever. If you find someone you trust and respect, ask them this question.
 
MD/DO, Nurse Anesthetist, DDS/DMD, DPM, PharmD (in rural loc.). Find a position that does not require being on call. Make >6 figures.

The truth of the matter is that you can live quite comfortably at $70k/year while taking care of a family, pay bills, etc. It is still above the national average. You just live within your means and attend a more affordable school.
 
I understand I can't make decision based on someone's experience. But experiences from people that have went and are currently going through it is something to consider. Of course everyone's experience is different, but it would be nice to know what type of experiences I might face in the future. I am planning to give a friend of my moms (has a phd in pt) a phone call and asking him many questions. I might also shadow him if I am still interested. But I still would like to know everyone's experience as I stated above. It's not the determining factor, but it still is nice to have a general understanding of he experiences I might face.
 
And you can check the numbers from the BLS here:

More than half of PTs are making > $80k. These aren't all practice owners. You might want to dig around on this site a little more to find what you're looking for. Use the search function for "worth it" and you'll have plenty of reading.

Before you talk with the PT/PhD family friend, it might be a good idea to read up on some basic things about the profession. There are probably worse places to start than here:


If you're going to be asking questions of a PT/PhD who might be able to write you a recommendation or make introductions to clinicians for observation hours, then you might want to make sure that your questions reflect that you've done some independent research on the fundamentals.
 
You can make 6 figures immediately (or really close to it) doing Travel PT and/or working 50-60 hours a week doing PRN jobs, especially in inpatient settings
 
By my estimations using google, I believe you can net 100-120K doing travel PT and working 50 hour weeks

Personally, 50 hour weeks are very managable, especially when you are doing something that you enjoy
 
Travel PT may be worth it the first year or so. But I am trying to also settle down, get married, and have kids too.
 
You guys are spewing a lot of misinformation. Travel PT make 6 figures? There is A LOT more to it than that. That's a traveler working OT/holidays, setting up back to back contracts, location, setting, saving per diem, etc. Things those recruiters don't tell you.

You can make even more with registery, basically a contracted traveler that is placed locally around where they live. Placements are filled as needed versus by choice. Those guys have to learn their setting (paper work, facility rules, etc) and adapt quickly. Then 2 weeks later they may be placed at another location. There, is your 6-figures. Have fun with that.
 
Also AlanWattsBlues.

They've got their stuff together.
 
Azimuthal said:
You guys are spewing a lot of misinformation. Travel PT make 6 figures? There is A LOT more to it than that. That's a traveler working OT/holidays, setting up back to back contracts, location, setting, saving per diem, etc. Things those recruiters don't tell you.

You can make even more with registery, basically a contracted traveler that is placed locally around where they live. Placements are filled as needed versus by choice. Those guys have to learn their setting (paper work, facility rules, etc) and adapt quickly. Then 2 weeks later they may be placed at another location. There, is your 6-figures. Have fun with that.
Click to expand...
I've seen/read that travel PTs should make ~90K starting...I'm not sure if that includes the stipend for rent...and I believe if you work 10 hours a week PRN at ~50/hr that's an extra 24K...so 90K + 24K = 114K
 
I guess I'll know a lot more in 3 years though haha
 
It seems that being a travel PT can be pretty stressful, but I've talked/seen some travel PTs that have their own blogs, and they all seem very happy with their life. I think you have to have the right personality to enjoy it, especially as a new grad...that's why I'm thinking of doing 1 year residency to ensure I'm well-prepared to handle travel PT
 
^^ Having a hard time believing that. I want to know more of peoples experience with starting salaries and what they exactly do to maximize their salary without working insane amount of hours. Also which branch of PT do you guys think makes he most money?
 
infocollector said:
^^ Having a hard time believing that. I want to know more of peoples experience with starting salaries and what they exactly do to maximize their salary without working insane amount of hours. Also which branch of PT do you guys think makes he most money?
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You go to work. You work with patients. Sometimes multiple at a time. You do your 40 hour week. You pick PRN if you want. You pay your bills. You make a budget. You spread your loans out. You make a goal time period for payoff. That's basically it.

High need areas, SNF, acute, booming areas like Las Vegas CURRENTLY, and travel are highest paying.
 
Azimuthal said:
You can make even more with registery, basically a contracted traveler that is placed locally around where they live. Placements are filled as needed versus by choice. Those guys have to learn their setting (paper work, facility rules, etc) and adapt quickly. Then 2 weeks later they may be placed at another location. There, is your 6-figures. Have fun with that.
Click to expand...

Can you explain the registery thing more clearly compared to a traditional travel PT? I haven't heard of this before, but oddly feel like it could be an option for me. My hubby's job will move us A LOT in my first few years out of school...and we won't live in some locations very long before we move again.
 
starrsgirl said:
Can you explain the registery thing more clearly compared to a traditional travel PT? I haven't heard of this before, but oddly feel like it could be an option for me. My hubby's job will move us A LOT in my first few years out of school...and we won't live in some locations very long before we move again.
Click to expand...

It's similar to being a "local traveler". You're employed by the staffing agency. Your choices in choosing contracts are more limited (better with seniority?) or nonexistent and you're usually sent to cover staffing PRN. It could be short stints like covering someone who called in sick or longer for someone on maternity leave.

I found out about it from a traveler during my last clinical. He liked his gigs because he did his clinicals around the area and knew a lot of the PT's. The down side is that the contracted facilities take advantage and he does evals all day, however he is compensated well. He told me that he nets $1900/week. This is in SF and the surrounding area.
 
Azimuthal said:
It's similar to being a "local traveler". You're employed by the staffing agency. Your choices in choosing contracts are more limited (better with seniority?) or nonexistent and you're usually sent to cover staffing PRN. It could be short stints like covering someone who called in sick or longer for someone on maternity leave.

I found out about it from a traveler during my last clinical. He liked his gigs because he did his clinicals around the area and knew a lot of the PT's. The down side is that the contracted facilities take advantage and he does evals all day, however he is compensated well. He told me that he nets $1900/week. This is in SF and the surrounding area.
Click to expand...

When people say the term "floater," are they referencing this type of worker?
 
engmedpt said:
When people say the term "floater," are they referencing this type of worker?
Click to expand...

Not exactly, but I see how you made the connection. A floater typically is employed by the hospital or organization and just travels as needed within the organization, whereas the registry PT can be placed throughout multiple organizations. Hence why their job can be much more difficult. They could be using WebPT at one clinic, Apollo Management at another, and EPIC at a hospital the following week.
 
ktachiba said:
I've seen/read that travel PTs should make ~90K starting...I'm not sure if that includes the stipend for rent...and I believe if you work 10 hours a week PRN at ~50/hr that's an extra 24K...so 90K + 24K = 114K
Click to expand...

Do more research.
 
As I'm sure many of those of you who have actually had to work to pay the bills before PT school will agree, there is a lot to be said for the lifestyle your job offers you. Overworking based on a drive for more money generally leads to burnout. A few years out of PT school, I'd rather make $75k working 8-5 M-F than make $100k working like a dog weekends, holidays and every freakin day in between.

I'm not discounting the value of hard work, nor am I criticizing those who work those kind of hours, often out of necessity and even poverty. Indeed, I have great respect for people who are willing to work like dogs to make ends meet instead of looking for a handout. But I believe hard work at home and in other areas of life holds as much value as hard work in your career does. One of the opportunities education offers you is not just greater earning potential, but greater ability to make ends meet without working 3 jobs 6 or 7 days a week. PT allows you plenty of time and flexibility to work hard and be successful across all areas of life and personally, I like that. A relative of mine who works 60+ hours a week, including many weekends and holidays, said to me recently (sarcastically) "You know what I'm gonna say when I'm on my death bed? That I wish more than anything that I had picked up just one more overtime shift".

The fact that generally as a mid-career PT, if one choose/desires to, one can reliably make $80k w/ benefits (depending on location, maybe even a bit more) working what amounts to more or less bankers hours in a rewarding and intellectually stimulating profession where you aren't a bureaucrat/pencil-pusher/cubicle slave...that's a lifestyle that 90% of the population will never come close to enjoying.

We've had sentiments like this is a couple other threads on here recently, for all our talk of the ridiculous debt loads and mediocre new grad salaries in PT (which are legitimate topics in need of discussion, no doubt), we often neglect to acknowledge the benefits that PT offers that very few other careers do. There are very few jobs that rank as high on the "job satisfaction" scales as PT, have the lifestyle of PT and pay as much as PT all at the same time.

I completely agree that the student debt burden that people are coming out of school with today is totally unacceptable and is probably stifling the economy. And of course I wish PTs made more money. Everyone in the world wishes they had more money. I will never argue against you if you claim the debt to income ratio of PT is ridiculously bad. But I think sometimes, before we get our panties in such a big twist, we should step back and think about what is really important to each of us in our own lives. This kind of thinking, combined with genuine interest in the subject matter, is why I chose PT over medicine or other more lucrative professions.

With all of that said, in reference to the OPs initial questions, you have to do plenty of shadowing and thorough research and determine if PT is a job you would actually enjoy doing every day. PT is a very challenging profession to get into and the cost to benefit ratio is honestly not that appealing to a lot of people. If studying and practicing physical therapy is not something you would love doing even if the hours and the pay were crappier, then it might not be the profession for you.

Forgive me everyone - what was supposed to be a 3 sentence post turned into a full-blow session on my soap box.
 
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Azimuthal said:
Do more research.
Click to expand...
hmm I've talked to enough travel PTs and researched to see that $45/hour is pretty standard for travel PT..I don't think job postings on google searches would lie about their starting pay for travel PT..there's also a video of an alumni explaining travel PT that's in one of these threads, and he said that you should start at no less than 90K

But you make a good point about lost income during time-off in between travel assignments, as well as vacation time. And I'm sure there are more negatives to a travel PT lifestyle that I have not heard about it yet.
 
Hey there! Big decision worth a lot of thought!!

I will advise you to ask yourself a few questions. Do you like touching people? Do you like being physically active most of the day? Are you OK with talking to people all day, whether or not they're in pain/frustrated? They may take it out on you. If you are ok with all these things, consider the salary (assume maybe around 70K, per what I've seen on these posts.) Do you want kids? Consider where you will work. If you're going to be in a big, expensive city, it is hard to raise a family on that salary, unless you live quite lean...which is fine! Where I grew up (in the sticks), 70k is big bucks and you'll have no problem raising a family on that cost.

I have basically presented downsides to the career. There are plenty of upsides!!! It's rewarding, the days go quickly, it's usually mentally stimulating.
My problem is that I chose to live in an expensive city. The salary just doesn't go that far. Luckily, I'm cheap and don't have expensive taste so that helps 🙂 But a big city is way more expensive, and often more desirable for young professionals, so the pay is not always competitive.

Another thing with pay...it's kind of hard to get raises/overtime in PT. Other fields (ultrasound tech, nursing, etc) often have opportunities for overtime (time and a half pay), which can help offset education cost, whereas PT is very rarely allowed to do that. PT raises tend to be meager, and often don't keep up with the cost of living! I know a PT who is 7 years out of school. She's really talented and runs the ICU program at a prominent hospital. She recently found out that, even though she gets a raise every year, she is making what the new grads make when they're hired.

Please go out and shadow multiple settings. A lot. I wish I shadowed more, because I never knew how much I'd like acute until years out of school.... it is also super flexible with hours/days off, etc. That means a lot to me.

Overall, flexibility means more to me than pay. I'm able to work three days a week and run my website the other two. That's really hard to do in almost any other profession. So I'm glad I became a PT 🙂

If you have questions, hit me up!!!
 
Thank you all for your replies! The only reason why I thought about being a PT is because I am a person who loves sports or anything that has to do with sports. I also like being active. Now the general understandin on here seems that as a new grad you can land $70k a year. My question is with the cap ceiling on PT's, working as fulltime ONLY, can you land jobs that pay 80-90k? I understand this may be a silly question, but how difficult is it from everyone's experience/
 
infocollector said:
Thank you all for your replies! The only reason why I thought about being a PT is because I am a person who loves sports or anything that has to do with sports. I also like being active. Now the general understandin on here seems that as a new grad you can land $70k a year. My question is with the cap ceiling on PT's, working as fulltime ONLY, can you land jobs that pay 80-90k? I understand this may be a silly question, but how difficult is it from everyone's experience/
Click to expand...

If you like sports so much maybe also look into athletic training. You can make 80 a year as a PT but it will be skilled nursing or something - nothing to do with sports.
 
What attracted me to PT is that it helps people be able to use their body as they used to. Many people injure themselves in sports, and to be able to bring them back to what they were able to do is the greatest gratification in my opinion. Athletic training on the other hand, is not as appealing to me.
 
I completely understand your concern, it's something I think about everyday honestly. If you aren't concerned with your future debt, you very well may be blind to these very real issues. IMO, you sound incredibly aware and bright. Bravo to you! Just curious, how much undergraduate debt do you have? this is the real kicker IMO. If you have 100k from undergrad, going to PT school is probably NOT a good idea (especially if you can't get into the 50k and under programs). How can you possibly have a family when you have a 70k salary and 200k in student loans plus interest? It's not gonna happen!!
 
DPTcoasral said:
How can you possibly have a family when you have a 70k salary and 200k in student loans plus interest? It's not gonna happen!!
Click to expand...

IBR minimum payments for 20 years is how, unfortunately.
 
DesertPT said:
IBR minimum payments for 20 years is how, unfortunately.
Click to expand...

Nah, my parents raised 3 kids, purchased a home, did the 401k thing, etc. while both made a little over minimal wage each. It's all about being able to differentiate between necessity and wants. Yes, we were poor. No, I never thought we were poor while growing up.

It's not easy by any means. After my siblings and I left home, our parents pursued their degrees and became 6-figure earners. To me, that showed their sacrifice. So when I see $70k and the the possibility of additional spouse income, I tend to wonder, "Who's going hungry?" Because it's not the PT.

As a career changer, I guess I had more time to think things through. I took a decent pay cut to enter this profession. I have student loans. My wife makes about entry-level PT salary. I have 2 kids. They are clothed, fed, and healthy. They each have a college fund. We have health insurance. All bills are paid. We live in the SF Bay Area. That last part says a lot. I believe the concern here should be redirected from "how much will I make" to "how to manage what I make".

Our wages and salaries are tied to reimbursement and this pretty much guarantees our slow increase in earnings. If any potential student is jumping on the bandwagon and hoping that PT's will somehow start pulling $120k with a normal 40/hr work week, may want to reconsider this career field.

Another one of my ramblings. Ugh.
 
Azimuthal said:
Nah, my parents raised 3 kids, purchased a home, did the 401k thing, etc. while both made a little over minimal wage each. It's all about being able to differentiate between necessity and wants. Yes, we were poor. No, I never thought we were poor while growing up.

It's not easy by any means. After my siblings and I left home, our parents pursued their degrees and became 6-figure earners. To me, that showed their sacrifice. So when I see $70k and the the possibility of additional spouse income, I tend to wonder, "Who's going hungry?" Because it's not the PT.

As a career changer, I guess I had more time to think things through. I took a decent pay cut to enter this profession. I have student loans. My wife makes about entry-level PT salary. I have 2 kids. They are clothed, fed, and healthy. They each have a college fund. We have health insurance. All bills are paid. We live in the SF Bay Area. That last part says a lot. I believe the concern here should be redirected from "how much will I make" to "how to manage what I make".

Our wages and salaries are tied to reimbursement and this pretty much guarantees our slow increase in earnings. If any potential student is jumping on the bandwagon and hoping that PT's will somehow start pulling $120k with a normal 40/hr work week, may want to reconsider this career field.

Another one of my ramblings. Ugh.
Click to expand...

I definitely agree. Thanks for your perspective, I think the 19-year-0ld pre-PTs on here need it once and a while. It's hard to understand the real world if you haven't lived in it yet. Sorry for sounding like an old man, I'm really not one lol.

I wasn't saying we all should take 20 years to pay off loans, but that a lot of people do. Sometimes that might be necessary. But I've never been able to quite figure out why the thought of dumping $25k/year or so into loans to get them paid off faster consistently meets with such consternation on this forum. I guess people don't like to think about even more delayed gratification. If you subtracted $25k from a new grad PT salary you'd still be grossing around the average that most families in the country live on. And that's without any secondary income, which a majority of families today have. And when your paying that much student loan interest ever year, your tax burden is reduced by a decent amount.
 
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DesertPT said:
I definitely agree. Thanks for your perspective, I think the 19-year-0ld pre-PTs on here need it once and a while. It's hard to understand the real world if you haven't lived in it yet. Sorry for sounding like an old man, I'm really not one lol.

I wasn't saying we all should take 20 years to pay off loans, but that a lot of people do. I've never been able to quite figure out why the thought of dumping $25k/year or so into loans to get them paid off faster meets with such consternation on this forum. I guess people don't like to think about even more delayed gratification. If you subtracted $25k from a new grad PT salary you'd still be grossing around the average that most families in the country live on. And that's without any secondary income, which a majority of families today have.
Click to expand...

I agree that debt is definitely concerning. It sucks and it was not my intention to single anyone out. I just wanted to provide another viewpoint on expectations.
 
Azimuthal said:
I agree that debt is definitely concerning. It sucks and it was not my intention to single anyone out. I just wanted to provide another viewpoint on expectations.
Click to expand...

The government defines having to put more than 15% of your annual income into loans to be a financial burden. A PT salary minus 15% is hardly an onerous way to live relative to the standard of living of a lot of Americans (not to mention the standard of living of 99% of the earth). Certainly after obtaining doctoral education at such high costs, one is entitled to some level of financial security. But as modern Americans who have come to want to consume more than we produce, we have to put things into perspective from time to time.

Another one of my ramblings too. And I'm not even as old as you. Ugh... 😉
 
DesertPT said:
And when your paying that much student loan interest ever year, your tax burden is reduced by a decent amount.
Click to expand...

I looked through the IRS publication on deducting interest on student loans. For taxyear 2014, you can subtract "up to $2.5K" in student loan interest, from your adjusted gross income.

Everybody's financial situation is going to be different, but IMO a deduction of $2.5K/yr is relatively small. If you (generic "you" here) were counting on using interest on student loans to soften the tax bite, you may want to look at it more closely.

Here is the link to the IRS publication:
http://www.irs.gov/publications/p970/ch04.html#en_US_2014_publink1000178256
 
jblil said:
I looked through the IRS publication on deducting interest on student loans. For taxyear 2014, you can subtract "up to $2.5K" in student loan interest, from your adjusted gross income.

Everybody's financial situation is going to be different, but IMO a deduction of $2.5K/yr is relatively small. If you (generic "you" here) were counting on using interest on student loans to soften the tax bite, you may want to look at it more closely.

Here is the link to the IRS publication:
http://www.irs.gov/publications/p970/ch04.html#en_US_2014_publink1000178256
Click to expand...

Thanks jblil, I thought the amount of student loan interest you could subtract was bigger than that. I guess it still saves you a couple hundred bucks, but definitely not a couple thousand. Rats...
 
I think a lot of folks think that interest on student loans would be similar to interest on mortgage payments, when it comes to taxes. There is no practical limit [see note at end of post] on deducting mortgage interest: if you bought a mansion and your mortgage interest was $100K/yr, you can deduct all of it off your income. Not so with student loan interest.

In reality - if you have $100K/yr in mortgage interest deductions, you'd most likely have a very high income; at that level, many of the deductions will be phased out. But the general idea still stands: the deduction for student loan interest is small.

Edit: I checked, and there is a limit on mortgage interest deduction. It's $1M/yr.
 
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jblil said:
I think a lot of folks think that interest on student loans would be similar to interest on mortgage payments, when it comes to taxes....not so with student loan interest
Click to expand...

Well, I learn something new every day, don't I? 👍


Edit: I checked, and there is a limit on mortgage interest deduction. It's $1M/yr.
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:smack:
 
You guys know that you can refinance your loans to a lower interest rate now right?
 
engmedpt said:
Federal and private.

https://studentloanhero.com/featured/5-banks-to-refinance-your-student-loans/

The question is....would you still qualify for fed programs?


I plan payback regardless. Already ran the numbers worst case. That being said, unless my situation goes haywire then I would definitely refinance.

Do you see anything sketchy or wrong about this?
@DesertPT
Click to expand...

If you refinance, it will most likely be private>private or federal>private. If it's the latter, you will forfeit any federal loan forgiveness programs, i.e., the 10/20 year thing.
 
I'm not sure the pros of refinancing a federal loan to private would outweigh the cons for most people. The fact that federal loan payments are capped at 15% of your discretionary income or so gives you a lot more leeway/mercy if you fall upon hard times. You may not get the same from a private lender
 
infocollector said:
Thank you all for your replies! The only reason why I thought about being a PT is because I am a person who loves sports or anything that has to do with sports. I also like being active. Now the general understandin on here seems that as a new grad you can land $70k a year. My question is with the cap ceiling on PT's, working as fulltime ONLY, can you land jobs that pay 80-90k? I understand this may be a silly question, but how difficult is it from everyone's experience/
Click to expand...

First job new grad in southern california is $88k for 8-4:30
 
Azimuthal said:
You guys are spewing a lot of misinformation. Travel PT make 6 figures? There is A LOT more to it than that. That's a traveler working OT/holidays, setting up back to back contracts, location, setting, saving per diem, etc. Things those recruiters don't tell you.

You can make even more with registery, basically a contracted traveler that is placed locally around where they live. Placements are filled as needed versus by choice. Those guys have to learn their setting (paper work, facility rules, etc) and adapt quickly. Then 2 weeks later they may be placed at another location. There, is your 6-figures. Have fun with that.
Click to expand...
has your opinion chanted a bit since you made the post?

is there an upward trend to the PT salaries or could there be?
 
saywuh said:
has your opinion chanted a bit since you made the post?

is there an upward trend to the PT salaries or could there be?
Click to expand...

Yes. The earnings depends on the traveler. You have the option of taking large, small, or little to no gaps between assignments. In some high cost of living areas, you will obviously earn a lot more. You may also negotiate a lower wage in order to increase your living allowance, which is not taxed. The problem with that is, finding short term housing/leases can also be quite expensive.
 
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