Does this affect your decision to apply to certain schools or PT school in general? The amount of money in scholarships that you could get/apply for would only be a small percentage (and a bit of help of course) of the full tuition and living expense cost for your time during the program (even the cheapest). The program that I'm starting in 2 days offered me two scholarships that I didn't apply for. On the program's website, it stated that there are scholarships available/offered to applicants that come from "disadvantaged backgrounds." Although it's a bit of help, it may just cover my rent for 1 semester a year. I still had to apply for loans. It's just an inevitable thing to do, applying for loans.