I will be applying to 2 schools next fall - Chapman University and Cal State Long Beach. I also just got engaged and my fiance and I would like to have a place of our own. I know that when you apply for home loans they take into account all of your debt including student loans. Here's my dilema: I would really like to go to Chapman (I've worked with lots of therapists from there and their interns seemed to have it together than interns I've seen from other schools) but at the end I would have $100,000+ in debt. If I go to Cal State Long Beach, I get an MPT instead of a DPT and they said the average cost of the entire program is about $13,000. I'm currently doing an internship at a hospital where they will pay up to $13,000 of my PT school loans as long as I work for them for a minimum of two years after I graduate (so I could potentially come out of PT school with very little to no debt if I go to Cal State Long Beach). I've toured both campuses (actually I'm working on a B.S. in Kinesiology specializing in exercise science and a minor in biology at Cal State Long Beach) and while I am happy with both programs, Chapman's program completely blew me away. Long story short: Do you think that it's worth it for me to go to Chapman or should I just go to Cal State Long Beach? I know I haven't gotten in anywhere yet (after all I haven't applied) but I have a pretty good GPA with decent GRE scores and connections in the PT department of both schools so I'm confident that I will get into either program. I'm just trying to save some time (and money) with my applications.