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Message: <blockquote data-quote="topher031888" data-source="post: 22333508" data-attributes="member: 593929">It really depends on specialty and location but your gf's situation is really common. Debt to income ration for physical therapists is beyond a joke for most and to top it off Pediatrics is usually the lowest paid specialty. Appointments tend to be longer in length so overall they see less patients, appointments don't overlap so less units billed per hour, and you often work with a high medicaid population. States like California often pay above the national average but in my experience it usually doesn't come anywhere near offsetting the higher cost of living. There are areas in Texas and Nevada that pay extremely well with a very affordable cost of living and I have friends who do quite well. I make about 70k from my primary employer Salaried at 40h per week. I do have a second job that makes me about another 7-8k. I would increase my salary by working somewhere else and there is a good chance I will do that eventually but I do love my job. I work in private practice and may eventually become a director and could make substantially more but as a staff therapist I won't make much more than I do already. I could go somewhere with much high productivity standards and make more but while being a lot more busy but even then for my area it would probably be 80-85k at most. Thankfully I was able to get out of school with only about 60k in debt and should have it paid off in a few months (about 4 years after graduation. This allowed me to buy a home and do residency training after school, allow my wife to stay home with out kids, and still do decent financially. If I had been looking at 100K+ I probably wouldn't have gone into physical therapy. We are certainly undervalued and over-educated (if that makes sense) in regards to our actual pay. The key is that I was willing to relocated myself to a different area. What is your plan to pay it off? Working in pediatrics she should be able to find a non-profit and jump on the 10 years public loan forgiveness while it is still around. If she is using a income based plan make sure she is aware that the forgiven balance in 20 years is considered taxable income. There has been some talk recently about this changing but as of now it is only being proposed for undergraduate loans.</blockquote>

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