Im looking for advise on attaing otr vs cota vs pta career path. I have a bs in bio, minor in psyc, masters in education. And have worked in human services with youth and families for over 25 years. I am 52 and was accepted to MOT privite college, but the program would take 4 years to complete, and with reduced income would cost about $110,000, which seems like crazy debt at this late age. So i was thinking of cota or pta which would be about $40,000. Looking to remain employable into my 60s. Are chances for employment that much less for cotas or ptas than otr to make the extra $75,000 worth it? Would my age be less of a barrier with the otr? Are jobs out there for 55 yr old nrw grads? Any advise greatly needed.