D
deleted75966
Heh, no, I've got that down.
Slarterbartfast,
I am confused. So you are starting grad school, presumably in psychology, yet seem to buy into negative stereotypes about psychologists. You launched into a full-scale and seemingly unprovoked attack against OG who was posting about the ills of FSPSs. You attacked Erg for pointing out that you were making some rookie errors in your misuse of terminology and personality scale measures in your first attack. In between all of this vitriol, you seem disinterested in the actual topics that are being discussed. What are you so angry about? Why are you here? I'm only curious.
O Gurl, I take a stab at showing how one can afford to repay $200k.
First, what the government thinks I should spend/save and what is reality are often two different things. That said, let's break it down.
If the average psychologist is making $65k, we will go with that figure. Of course, if we are talking about average psychologist, we are then talking about a married person, with a second income in the home. Let's have the spouse make $65k as well (because, after all, we do tend to gravitate toward those with similar incomes).
Annual income and expenses:
$130,000
($27,600) - student loan payment over 10 years at 7% for $200k (rounded)
($24,000) - mortgage payment at $2k/month. I realize this is reasonable for some, not for others, just going off my own payment.
($12,000) - utilities including TV, cell, etc
($6000) - two car payments at $250 each, or one at $500. (Mind you, this is only for about 5 years)
($6000) - health insurance for two ppl at $250 month
($1400) - car insurance for two cars. Again, going off my own. Two drivers with spotless records
($32,000) - income tax at 25%. But honestly, if you are paying 25% with a mortgage, paying own insurance, etc., you need a new accountant.
This leaves approximately $1,750 per month for food and other expenses. Not a ton of money, but very livable (I have lived very happily on far less).
Again, this is only for 10 years (which sounds daunting when you are thirty, piece of cake when you are in your forties). This also is taking the $65k salary as a given, which I don't believe would remain stagnant over a 10 year period.
Get used to disappointment.
What?
I think T4C got you pegged.
:troll:
If you will excuse me, I will rejoin the ranks of those who were just ignoring your initial attempts to stir up trouble. Take care.
OK! OK! You got me. The APA sent me. I'm on a secret mission to test the resolve of the students who signed the petition on Care2. We will be sending agents to your homes and places of work as well in order to interview your families and employers. You found my one weakness and forced me to tell my secret. Just please, please don't leave me...
Great. That is far less disturbing than the alternative.
Great. That is far less disturbing than the alternative explanation for your outbursts.
Allocating ~21% of your combined gross income for 10 years is mighty ambitious when the loan calculators are projecting 15% allocation as likely to cause financial hardship. Your breakdown also makes some huge assumptions, such as a spouse with no incoming debt of his/her own (credit cards, student loans) and not having children.
I included a spouse earning an income, because that is the position that the average psychologist is in. Just as $65k is the supposed average, so is a two income household.
I was just creating a scenario for O Gurl to showcase how $200k in debt can be paid off in 10 years. There are several quality Psy.D. programs (IMO) whose debt would be a good $75k to $100k less than that, even more for some with funding or state schools (I suppose, no idea of tuition for anything other than a private university).
Is it a perfect scenario? No. But if it allows someone like myself to become a practicing psychologist and continue my efforts in both clinical practice and research, then I am all for it.
Yes, perhaps the most disturbing trait of psychopaths is that they ENJOY DEBATES. I shudder at the thought!
ThirdLittleBird, thanks or the response and breakdown.
I wasn't sure whether to factor in second income, kids, other debts, so I just looked at the loan calculator, which assumes repayment based on the borrower's resources only. I also didn't think too much about gov't sponsorship as most loans come from that same federal gov'. However if that is a concern of yours, I found another that is not gov't sponsored: http://www.mappingyourfuture.org/paying/standardcalculator.htm
This one is actually more conservative and recommends that only 8% of one's gross income be allocated to repaying loans. So it came up with a minimum salary of $345,240/yr to repay in 10 years eek or $208,221/yr to repay on extended.
All that said, your breakdown includes real figures (as you experience them) and everyone's lifestyle and situation are different. For instance, the partner in your scenario might have been repaying his/her loans while the psych trainee was still a student. I also agree with you that the avg. salary of 65K is low in my experience, but I have also only had direct info from my professors and from clinicians in academic med centers, VAs, and one (successful) forensic practice. I have also no experience in rural areas. The 200K was a stab in the dark as well. As you mentioned, there are lower cost options. I was basing that estimate off of places like Argosy/Alliant that provide NO funding and charge between $900-$1000/credit. So this is no perfect science. I think the question is whether or not people who are entering the field are taking time to even think about these issues or have this discussion.
Ok, I'm falling off the no posting wagon. I have a suggestion that I think might make this whole conversation a lot more honest.
My only real concern with too many newly minted psychologists stems from self-interest; I don't want to have to worry on match day and I don't want to see my future salary ratcheted down by a surfeit of competition (btw, I looked at the job market picture, and I admit that I was talking out of my butt before).
The argument from self-preservation is perfectly reasonable, but here are two arguments that I think have been done to death: (1) the scientific integrity of the profession is at risk. If we had a whole lot of scientific integrity we wouldn't have such a massive collective inferiority complex to begin with, and as I've said previously scapegoating PsyDs is just ignoring our own contributions to the fuzzy science that is clinical psychology. (2) we need to protect society and unwitting students from too much debt. I'm not saying that this is incorrect, but it doesn't get me riled up in the same way as thinking about my own wallet does.
So can we all just agree that the emotional energy driving this debate is simply about our own personal ambitions, not the greater good? I know someone is going to contradict me, but I think that just gets back to what I said earlier - many clinical psychologists take themselves far too seriously.
(1) the scientific integrity of the profession is at risk. If we had a whole lot of scientific integrity we wouldn't have such a massive collective inferiority complex to begin with, and as I've said previously scapegoating PsyDs is just ignoring our own contributions to the fuzzy science that is clinical psychology.
I'm not specifically asking you for citation but what points do you have to back this up? My understanding is that many areas of clinical psychology are backed by rigorous research, and some not so much. The same could be said in other fields. That doesn't mean we have a lack of scientific integrity.
Also what do you mean that we have a massive collective inferiority complex?
Well, according to philosophy of science, not many things are true science. Medicine isn't, either.
Btw, I'm totally off topic, and I'm still avoiding cleaning my house, but I'm really enjoying my perception of the thread's tone today I'm opinionated and I like to talk out of orifices other than my mouth (a supreme degree of hypocrisy coming from a self-styled science snob, I know), but I'm not as much of a jerk as I can come across as when posting on discussion boards in relative anonymity
Funny, I'm here because I don't want to finish my thesis, either. Mine isn't due until July though!
Lucky you! I anticipate a long long night and have two presentations and a paper due on Tuesday. This gets insane but i will just roll with it -hopefully maintain sanity
Ok, I'm falling off the no posting wagon. I have a suggestion that I think might make this whole conversation a lot more honest.
My only real concern with too many newly minted psychologists stems from self-interest; I don't want to have to worry on match day and I don't want to see my future salary ratcheted down by a surfeit of competition (btw, I looked at the job market picture, and I admit that I was talking out of my butt before).
The argument from self-preservation is perfectly reasonable, but here are two arguments that I think have been done to death: (1) the scientific integrity of the profession is at risk. If we had a whole lot of scientific integrity we wouldn't have such a massive collective inferiority complex to begin with, and as I've said previously scapegoating PsyDs is just ignoring our own contributions to the fuzzy science that is clinical psychology. (2) we need to protect society and unwitting students from too much debt. I'm not saying that this is incorrect, but it doesn't get me riled up in the same way as thinking about my own wallet does.
So can we all just agree that the emotional energy driving this debate is simply about our own personal ambitions, not the greater good? I know someone is going to contradict me, but I think that just gets back to what I said earlier - many clinical psychologists take themselves far too seriously.
O Gurl, I take a stab at showing how one can afford to repay $200k.
First, what the government thinks I should spend/save and what is reality are often two different things. That said, let's break it down.
If the average psychologist is making $65k, we will go with that figure. Of course, if we are talking about average psychologist, we are then talking about a married person, with a second income in the home. Let's have the spouse make $65k as well (because, after all, we do tend to gravitate toward those with similar incomes).
Annual income and expenses:
$130,000
($27,600) - student loan payment over 10 years at 7% for $200k (rounded)
($24,000) - mortgage payment at $2k/month. I realize this is reasonable for some, not for others, just going off my own payment.
($12,000) - utilities including TV, cell, etc
($6000) - two car payments at $250 each, or one at $500. (Mind you, this is only for about 5 years)
($6000) - health insurance for two ppl at $250 month
($1400) - car insurance for two cars. Again, going off my own. Two drivers with spotless records
($32,000) - income tax at 25%. But honestly, if you are paying 25% with a mortgage, paying own insurance, etc., you need a new accountant.
This leaves approximately $1,750 per month for food and other expenses. Not a ton of money, but very livable (I have lived very happily on far less).
Again, this is only for 10 years (which sounds daunting when you are thirty, piece of cake when you are in your forties). This also is taking the $65k salary as a given, which I don't believe would remain stagnant over a 10 year period.
OK now this is how I "feel" about the issue and by "feel" I mean do not offer some retort to this. I'm just putting it out there and am not defending my feelings so please do not attack them and by do not attack I mean just swallow it.
That said, this is what I predict. Of these 5 or 6 "good", "university-based" programs, they will all evolve into PhD programs such as with the case of Central Michigan University and many others. That's just the way it is. Then, all this PsyD silliness will be left exposed. Now you cannot say "Oh, wait wait, what about Rutgers?" cause now Rutgers is a PhD program.
The sad truth is once that happens all you folks with PsyDs, regardless of if it WAS a "top notch" PsyD program (which, btw, pfffff), that is all forgotten and now you are seen as a S-C-A-B cleaning out bed pans in state hospitals (yes, that was out of line, but we elitist butt holes got a real kick out of that)
Your essentially getting a degree in phrenology. Just pull yourself together and reapply for the PhD.
Look, most people do not want to be social-science researchers/professors, it sucks, just look at your professors now...not a very happy bunch. So these kids in PhD programs are not really interested in research, they've just said that so many times to GET IN that they actually started to believe it for just a moment.
AND, more importantly, stop playing this "we are on the same side crap" *cough* O Girl *cough*. SERIOUSLY? So your saying it's 160 PhD program kids (other than Alliant apparently) and oh wait wait, those PsyD kids enrolled at one of the 5 or 6 good programs. Come the hell on. What, are you going to explain to every PhD you meet for the rest of your life that you are just as doctor as they are? Well good luck, because your opponent will have far superior analytical reasoning skills and probably throw 4 citations at you, which, though you may be able to "interpret" from your PsyD education, you will not have read them because they are empirical works and your were not trained as a scientist.
It's PhD or TechD. Sorry, you are stigmatized and stigmas never go away. So unless you want to get your own therapy for that, quit being a SCAB like those counselors with Masters in Ed degrees, meet the requirements with 2-3 years post-undergrad experience, and reapply.
Interesting that you rail against Psy.D.s for their apparent dearth of empirical and analytical reasoning yet you provide none in your post and you also give the pretext that you're only willing to state how you "feel".
..If you're so much more than a phrenologist...provide some evidence and make a solid, data-supported argument.
What do you mean when you say S-C-A-B? Is it in reference to the term for people who refuse to join unions?
I'm interested in the bedpan comment. The rest is just silly ramblings, obviously (there's gonna be people like that in every group). I esepcially like how we are told not to retort to it. Nevertheless, the bedpan comment is the most revealing here. Apparently, being a nurse techs or psych tech is not a job that is worth any respect to Vicious (aka: "elitist butthole"). Thus, I say this person is denied a person to clean/empty their bedpan during every hospitalization of their life....
The term "SCAB", to me, means a strikebreaker or someone who refuses to join the Union organization for their labor force...I'm not sure what he/she meant by all that stuff. Does it matter really?
As for me either being a joker, troll, or disturbed individual...I would say joker. I'm just fooling I wish everyone the best. Yes, more people throwing up a shingle will hurt my potential client base in the future (private practice). But even if it doesn't work out for me, at least I can say I'm better than those damn PsyDs and Ed.Ms
That, is where the anti-psyD sentiment comes from, an inferiority complex.
I think we all are interesting in purging the field of all the quacks.
To me, you sound disrespectful and hateful toward individuals who pursue a certain degree. Any further comment may fuel whatever feelings you have. I will not participate in such a discussion. Sorry.
But would not a good clinical practitioner do just that, prodding at the issue until the source manifests and not just stifle the anger? I do not know, I am only about to begin my training.
I don't really think you can say someone is disrespectful or hateful based on what they say over a support forum. Just know, everything I have said are typical beliefs none of which I endorse, but know ye well, they exist.
I hope people dont feed into this and rehash all the stuff this thread already talked about.
To Vicious:
Enjoy the Ph.D. superiority complex while you can still maintain it...its not particularly useful to you once you're out of training. Trust your one of your Ph.D. elders on this...
So I found this quote and well, I just love it.
"At the level at which under the most favorable circumstances the medical student gets his education, it is absurd to speak of an inherent conflict between science and practice" (Felix, 1920).
Why should we be any different than MDs? If we are truly the masters of our field, given the title of doctor, should we not possess a supreme understanding of the field, especially one which is so rapidly developing, where errors in logic are constantly uncovered only to the peril of those we are supposed to be helping (e.g., widespread trauma-debriefings proceeding natural disasters)? If we just rely on intuitive logic and are not Extremely well versed in developing science, we are charlatans.
The patient thinks we are all-knowing, they really do. That is our duty, people expect it. You must be informed at the highest level. To make judgments on intuition alone or even in great part is just unconscionable. This is why I side with the Boulder model, it is for the patient, it is for ethics. A study by two PsyD candidates at Rutgers found PsyD students (all from Rutgers) were ranked significantly higher by their supervisors on the trait of "intuitive reasoning" contrasted by PhD canidates of various programs who were rated more highly on "scientific approach".
*Snepp, F. P., & Peterson, D. P. (1988). Evaluative comparison of Psy.D. and Ph.D. students by clinical internship supervisors. Professional Psychology: Research and Practice, 19, ISO- 183.
*It's a little outdated and the study was conducted poorly, hence why it is published in such a light journal.
I feel you can be scientifically oriented no matter what program you go into, but the Boulder model will be more likely to indoctrinate a maverick therapist who believes they have natural talent in the field and can just "feel out" their patient, something which is only perilous to the patient. To do such a thing is human experimentation without the slightest degree of an empirically validated chance of success, without even considering other, less-aversive options; U-N-E-T-H-I-C-A-L.
We cannot separate science and clinical practice or even weigh one over the other, but if you had to choose, which would it be? Please say science.
Intuition is a very important part of therapy as it is in the culinary arts, but cracked eggs and spilled milk have a price tag while human wellness does not.
What?
I think T4C got you pegged.
:troll:
If you will excuse me, I will rejoin the ranks of those who were just ignoring your initial attempts to stir up trouble. Take care.