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- Sep 23, 2010
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At one point several years back, I was trying to pursue a career in OT. I would venture on this forum everyday, trying to see what my chances were in getting into a school, and arguing with any OT who would speak poorly about the rehab industry. I didn't know what else to do other than OT--and I didn't need some jaded OT to ruin my buzz. Little did I know I would become one of those OT's one day who I used to argue with. Some of you are so focused on getting your hours in, finishing your prereqs, compiling your applications, that you're not exactly taking into consideration the future and reality of this field. Shadowing hours are not forever. School is not forever. Practicals and studying for the NBCOT is not forever. One day you WILL graduate and will have an actual CAREER in OT and so it's imperative to consider life AFTER school aka the real world.
Today I walked into my SNF job where we risk our lives working with COVID patients, during a **** show year without having received hazard pay even, and were told we're all receiving a pay cut due to pending Medicare cuts. When i graduated with all my student loans I was told I was entering a "secure" career---schools love making the pitch that there will be an explosion of baby boomers and your job is secure for years to come!! People will always need OT blah blah blah. These are all sale pitches to get you to fill their seats.
Without you as their students they don't have a job. Notice how tuition is only rising without considering industry needs and changes, saturation in parts of the country, and inflation. I ask everyone to please do your diligent research--stop relying on schools ESPECIALLY for profit/private schools, TOP 10 CAREER articles that have no idea what they're talking about, and glossy marketing materials filled with models who are posing as smile-y therapists who are "making a difference!" because in many settings you are just fulfilling the bottom line and I'll be honest, you won't be making much of a difference. Don't ask a 60 year old OT if they love their career and if they regret it. That 60 year old probably only has a Bachelor's degree, no student loans or very minimal loans, experienced many of the OT "golden years", and is about to retire anyway. Ask the stressed out 28 year old, who just graduated from an expensive OT school, with a ton of student loans, is realizing their day to day work experience is a lot different than what was taught in their textbook, who has recently experienced all the industry/reimbursement changes and is trying to keep their head above water. Tell them the price you are paying to go to OT school and ask them very honestly if they would recommend you proceed.
I had only one professor who was honest enough to explain that health reimbursement changes can affect whether or not you'll have a job. Yes people like to state that healthcare goes through cyclical changes and that OT will be in a good place again in relation to insurance etc., however therapy was seen as the revenue maker in facilities and now it's not. I graduated 4 years ago and have worked in 4 different settings. When I first started out, I was working full time in a SNF. I quit and became per diem because there was so many per diem hours available and I was making GREAT money with all the freedom I wanted. PDPM happened, that changed, and many of my hours were cut. Less per diems were needed in general. Therapists were now seeing patients in groups and doing concurrent treatment leaving less hours to go around for all therapists. This is EXHAUSTING. Your schedule goes from 6-8 patients to now 12+ in a full day. It is very hard mobilizing, motivating and grouping physically and mentally disabled patients all day, getting all you minutes in, all your documentation in, and dodging the many things in your day that will mess with your productivity (family visits, diaper changes, nurse treatments/administering medication). The onslaught of my career after PDPM continued with PDGM in HH (less visits overall allocated for rehab), COVID, and now MEDICARE cuts. Medicare HATES US. I can't stress this enough. I am always hearing about future impending Medicare cuts and getting letters in my email from AOTA with a template to send to congress begging them not to cut our services and reimbursement.
For those of you who are thinking you are safe because you want to do peds or work in a hospital--sure you might have better luck due to having more insurance options for reimbursement however when people are tired of getting **** on in SNF or HH, or there's less jobs and hours to go around, they will look to other settings which impacts every other available setting left.
As I've mentioned earlier I have been able to see my friends move up in their careers and have compared their career trajectory to mine. I have friends who have graduated with what some would consider "pointless" degrees. History, anthropology, etc. They have a Bachelor's, do not have student loans or anywhere NEAR the debt I have, and did not have years of lost income. They have surpassed me in income READ: WITHOUT A MASTERS DEGREE (OT really never needed to become a Masters), fatter retirement accounts, have mortgages, have had promotions/raises, holidays off etc. And even if they had NONE of that--they not tied to their career. They are free to start over and do whatever they like because they do not have a ball and chain debt load that follows them through life, and a very VERY specific degree that has a VERY specific skillset that may not smoothly segway into a different career option. They might not have known what they wanted to do in the beginning of their career, but through different experiences and exposure within their careers, they have carved out areas they were interested in and did side boot camps (UX design), or taken specific courses to immerse themselves more deeply in that area of interest. Because of their promotions they do not need to get a second and third and fourth job the way therapists do in order to make more money. Their hours don't get cut during the day if a patient discharges so they consistently get their full day of work.
We also live in a different time than when I started attending school several years ago. Nowadays there are alternative ways of making money, of making a living. There are more routes to financial freedom which does not include going to some expensive school for a career that you have to pay for for the rest of your working life which is an old school and outdated way of thinking.
Now you can get a joe shmo type job, use a program like YNAB to monitor how you spend every dollar, join the FIRE community, spend your money wisely and retire early.
Or you can continue working a joe shmoe job and join a community like BiggerPockets and invest your money into real estate and watch your passive income grow and stop selling your time for money. It's not easy but people do it everyday. Oh and btw getting into OT school and getting through OT school is not easy either. There's a whole world full of digital nomads, content creators, people who are able to make an income online, who can be mobile and work anywhere in the world and not be stuck at a facility. Hell at this point I even envy those who are making money through OnlyFans or have figured out how to sell a product through IG--I'm not saying sell your ass online but these individuals are not answering to a boss, don't have an income ceiling and aren't cutting a check to FedLoan services every month. Or pay for a 10K~ tech bootcamp and invest in a career that has a potential for high growth vs pay cuts and constant looming threats from insurance companies that dictate our pay. With the pay cut I received today and ones I will most definitely receive in the future I realized I would've been better off managing a taco or burger joint as my choice to go into OT was a very poor ROI in comparison. My point is we live in a time where you have options and I think the younger generation gets this more than anyone, and you don't have to pigeonhole yourself and then later feel trapped.
Now there are therapists who may disagree with me. They may say they have zero regrets going into this field. All the stars have aligned and they may feel like they're making a difference everyday, they aren't bothered or affected by any changes happening in our field, they found an awesome company and team to work for, they are not being buried by student loans, and that the hard work was all worth it. And that's completely valid and those therapists DO indeed exist. But I just ask you to consider all angles before making such a life altering commitment and not just let this thread get buried under the "HOW SHOULD I GET ALL MY SHADOWING HOURS" threads. This is my opinion but after working for a few years in schools, adult daycare, snf and home health and comparing my circumstances with friends who work in various other industries here are my 2 cents about whether or not you should consider OT plus things you may not have considered due to tunnel vision on the preliminary steps of getting into OT school
Things you may not have considered:
-the availability of jobs in your area
-the variety of OT jobs in your area. For example, in school we are told there are sooooo many settings. How many mental health jobs are there actually in your area?? I've seen 4 crop up in the past 4 years. Pay attention to facts--not a sales pitch meant to keep schools in business.
-when you don't want to work in a SNF or a peds outpatient setting what is the actual likelihood of working in an "emerging setting". Is there enough funding in that "emerging setting" to carve out a job with benefits for a Masters level clinician? Ever considered why "emerging settings" STAY "emerging settings"? Hint: not enough resources and advocacy to prove our value to hire on an OT
-the ease in which you can explore different settings
-having enough AUTHENTIC desire to work in a specific setting like schools in order to outweigh the BS (litigation, high caseloads that affect quality of treatment delivery, families)
-how you will physically fare as you age. Doing a MAX transfer as a fresh 25 year old is different than doing these consistently when you have a bad/weak back, knee, hip etc. Will you wanna chase a high energy kid around a sensory gym or be on the floor rolling around in your older years? Will you want to be doing manual therapy day in and day out in a hand therapy clinic?
-think into the future. When you tire and are experiencing burnout from the emotional and physical load of direct patient care (very frequently happens especially due to undesirable industry changes that places the pressure and burden on the therapist to make up for any loss of revenue to the facility) what will your options be as an OT? Do you have aspirations of being a DOR? Non clinical jobs are not plentiful. Positions like utilization review are highly sought after however there are not enough to meet the demand and mostly go to nurses. In fact nurses have much more non clinical job options as they progress in their careers.
-how student loans can chip away at you and affect the milestones you want to achieve in life. If you have a plan, great. But know that there are many older professionals who regret taking out high student loans because when they were young and figured they could pay them off they didn't consider the ridiculous federal loan interest rates. Many people have paid off their original loan but now because of interest their loans have double and triple exploded. Hint: loans are a scam. In many cases school is a scam.
-that people CHANGE. If people evolve and change over time what makes you think your career interest will stay the same? You may like OT now however it is very possible you will have a change of heart, but because of your loan debt you feel stuck in the mud.
-the ease of getting a hospital job if you have no desire to work in a SNF or in pediatrics and you don't have acute experience
-feeling like an OT salesman trying to sell your value to patients who have never heard of an OT ie. "oh is that a person who helps me get a job?" "arm exercises??" ::mockingly waves their arms around to show they can do AROM independently:: "Bathroom?" "Oh no I can do all that, please fetch the PT so I can walk and get out of this hell hole".
-other careers that "help people" that may have a better return on investment
-that you can still help people without taking that so literally when looking at potential careers
People who probably should not bother considering what's currently happening in our field:
-people who have GENERIC reasons for entering OT ie. I don't know what else to do, I want to "help people" (plenty of careers help people), healthcare seems like a stable job, I like to see people get better, I don't want to sit in a chair at a desk all day, I have a pointless Bachelor's degree that I can't make money with, I'm tired of being an accountant and OT sounds like a "nice change", I don't want to take "XYZ" science class in order to get a nursing or pharmacy or preferred degree, I couldn't get into that other career I really wanted so OT is what was left. Some of these reasons are OK but they shouldn't be your ONLY reasons.
-if your only choice is a super super expensive OT school because in the last several years getting into an OT school is insanely competitive (I blame the BS top 10 career articles) so now you'll be left with an 80K tuition which will sky rocket because you have to take out more loans for living expenses and have a 6% interest rate etc.
-you couldn't get into a cheaper in state school but don't want to "waste a year" sprucing up your application so you're accepting admission into that super pricey school that will make you go into indentured servitude trying to pay it off. Note: one year is nothing in comparison to a lifetime of paying off debt.
-you're choosing OT as a substitute for a career in psychology because OT involves "mental health". We've done a poor job advocating ourselves in that area and in many states there are very few mental health OT jobs so yeah you might use MH as one aspect of your treatment but it's not the same as being a psychotherapist or psychologist. Note this does not apply to people in the UK or Australia as they play a bigger role in MH.
-You think OT will mainly be about helping people recover so they can participate in their occupations of interests. Insurance doesn't care about all your patient's holistic and varied interests. They don't care that they used to be a skydiving instructor and post stroke can't be a skydiving instructor no more. ADL's and MOSTLY ADL's are our bread and butter so make sure you are interested in performing ADL's and exercise day in and day out. Similarly in the school setting, many interventions are based on meeting "sensory" needs and handwriting legibility.
People who may have better outcomes if they choose to go into this field:
-you have a sugardaddy who will pay for schooling
-you have a wealthy family who will pay for schooling
-you have lots of money saved up through a previous career, or have scored scholarships, or are certain you will have a financially stable situation (will live at home rent free for awhile), so you can quickly pay off said loans
-you have a partner who has a great paying job. You can even get on their health insurance and work here and there for fun money, or if you lose your job or side per diem gig you know your partner will be there to fill in the gaps. You may be able to live on their income while you quickly pay off your loans
-you are going to a cheap OT school and will have very little debt so if you ever choose to do something else it will not be such a big deal
-you are highly entrepreneurial and plan to network, market yourself and start a business endeavor using your skills as an OT
-you know yourself to be an absolute workhorse, and have no problems working 6-7 days a week, multiple therapy jobs, travel jobs, and sacrificing parts of your life in order to meet financial goals and pay off loans
-you will have debt but you know you want to work in pediatrics in a school setting and are confident in the PSLF program as a way to have your loans forgiven in 10 years with mounting debt that grows everyday because you're only paying the monthly minimum
-you have very specific and authentic reasons for wanting to be an OT, enough to outweigh any other possibilities or negativities about the field and the state of healthcare
-you have deeply personal experiences regarding OT and are genuinely passionate about OT and cannot see yourself doing anything else having explored many other careers that may have similar traits
-you want to be an OT with every fiber of your being or have a very strong "like" for it. You have shadowed every setting, have been able to envision yourself in that therapists position and can imagine doing what they do day in and day out including the grunt work and not just convincing yourself you like it because you don't want to start over and look for another career you would actually resonate with more (because that takes time and you're already 23 and want a career so you're not left out in your group of friends who already have careers)
Note: even having passion isn't enough to guarantee satisfaction in this career due to issues from immediate jobs (high caseload, high productivity, unreasonable expectations), and from the industry (medicare changes, reimbursement cuts, pay cuts, no pay increase in 10 years yet a growing student loan debt can feel like a slap in the face). Many OT's who were once passionate now regret it due to the reasons I've listed but having a strong passion can certainly improve job satisfaction outcomes overall. The person who responded to my post missed my point completely. You can like OT as a subject matter but be beaten down by actual circumstances and expectations in your job and the overarching industry.
Now I'm not trying to convince EVERYONE not to enter this field and be an alarmist and fear monger. I don't want everyone to panic, run for the hills, or worry they've made the wrong choice. I haven't covered more information including the quality of the jobs I've had because this post is already too long. Even in a bleak job climate there are still some pros.. there are patients who will make you feel very rewarded, your paychecks will be decent considering how cheap the cost of living is in your area, depending on availability you can try out different settings to switch things up. There are genuinely people who love OT so much they're willing to sacrifice a lot for it, don't really care about what I've said above, or they have advantages that others don't. I just don't want some people to think OT is the ONLY CHOICE to living a happy, financially comfortable life, especially when the return on investment is becoming poorer and poorer as the years pass by. This post goes especially for the fence sitters, the people who are considering more than one option and feel they would be happy in other careers, people who aren't fully convinced and their gut is telling them to keep looking, who shadowed therapists and weren't really "feeling it" all the way, who only have a super expensive school as an option, or who have a lot at stake. Just think it through so you won't regret it because the field is not exactly on an upward trend and the flashy marketers are not telling you everything.
Today I walked into my SNF job where we risk our lives working with COVID patients, during a **** show year without having received hazard pay even, and were told we're all receiving a pay cut due to pending Medicare cuts. When i graduated with all my student loans I was told I was entering a "secure" career---schools love making the pitch that there will be an explosion of baby boomers and your job is secure for years to come!! People will always need OT blah blah blah. These are all sale pitches to get you to fill their seats.
Without you as their students they don't have a job. Notice how tuition is only rising without considering industry needs and changes, saturation in parts of the country, and inflation. I ask everyone to please do your diligent research--stop relying on schools ESPECIALLY for profit/private schools, TOP 10 CAREER articles that have no idea what they're talking about, and glossy marketing materials filled with models who are posing as smile-y therapists who are "making a difference!" because in many settings you are just fulfilling the bottom line and I'll be honest, you won't be making much of a difference. Don't ask a 60 year old OT if they love their career and if they regret it. That 60 year old probably only has a Bachelor's degree, no student loans or very minimal loans, experienced many of the OT "golden years", and is about to retire anyway. Ask the stressed out 28 year old, who just graduated from an expensive OT school, with a ton of student loans, is realizing their day to day work experience is a lot different than what was taught in their textbook, who has recently experienced all the industry/reimbursement changes and is trying to keep their head above water. Tell them the price you are paying to go to OT school and ask them very honestly if they would recommend you proceed.
I had only one professor who was honest enough to explain that health reimbursement changes can affect whether or not you'll have a job. Yes people like to state that healthcare goes through cyclical changes and that OT will be in a good place again in relation to insurance etc., however therapy was seen as the revenue maker in facilities and now it's not. I graduated 4 years ago and have worked in 4 different settings. When I first started out, I was working full time in a SNF. I quit and became per diem because there was so many per diem hours available and I was making GREAT money with all the freedom I wanted. PDPM happened, that changed, and many of my hours were cut. Less per diems were needed in general. Therapists were now seeing patients in groups and doing concurrent treatment leaving less hours to go around for all therapists. This is EXHAUSTING. Your schedule goes from 6-8 patients to now 12+ in a full day. It is very hard mobilizing, motivating and grouping physically and mentally disabled patients all day, getting all you minutes in, all your documentation in, and dodging the many things in your day that will mess with your productivity (family visits, diaper changes, nurse treatments/administering medication). The onslaught of my career after PDPM continued with PDGM in HH (less visits overall allocated for rehab), COVID, and now MEDICARE cuts. Medicare HATES US. I can't stress this enough. I am always hearing about future impending Medicare cuts and getting letters in my email from AOTA with a template to send to congress begging them not to cut our services and reimbursement.
For those of you who are thinking you are safe because you want to do peds or work in a hospital--sure you might have better luck due to having more insurance options for reimbursement however when people are tired of getting **** on in SNF or HH, or there's less jobs and hours to go around, they will look to other settings which impacts every other available setting left.
As I've mentioned earlier I have been able to see my friends move up in their careers and have compared their career trajectory to mine. I have friends who have graduated with what some would consider "pointless" degrees. History, anthropology, etc. They have a Bachelor's, do not have student loans or anywhere NEAR the debt I have, and did not have years of lost income. They have surpassed me in income READ: WITHOUT A MASTERS DEGREE (OT really never needed to become a Masters), fatter retirement accounts, have mortgages, have had promotions/raises, holidays off etc. And even if they had NONE of that--they not tied to their career. They are free to start over and do whatever they like because they do not have a ball and chain debt load that follows them through life, and a very VERY specific degree that has a VERY specific skillset that may not smoothly segway into a different career option. They might not have known what they wanted to do in the beginning of their career, but through different experiences and exposure within their careers, they have carved out areas they were interested in and did side boot camps (UX design), or taken specific courses to immerse themselves more deeply in that area of interest. Because of their promotions they do not need to get a second and third and fourth job the way therapists do in order to make more money. Their hours don't get cut during the day if a patient discharges so they consistently get their full day of work.
We also live in a different time than when I started attending school several years ago. Nowadays there are alternative ways of making money, of making a living. There are more routes to financial freedom which does not include going to some expensive school for a career that you have to pay for for the rest of your working life which is an old school and outdated way of thinking.
Now you can get a joe shmo type job, use a program like YNAB to monitor how you spend every dollar, join the FIRE community, spend your money wisely and retire early.
Or you can continue working a joe shmoe job and join a community like BiggerPockets and invest your money into real estate and watch your passive income grow and stop selling your time for money. It's not easy but people do it everyday. Oh and btw getting into OT school and getting through OT school is not easy either. There's a whole world full of digital nomads, content creators, people who are able to make an income online, who can be mobile and work anywhere in the world and not be stuck at a facility. Hell at this point I even envy those who are making money through OnlyFans or have figured out how to sell a product through IG--I'm not saying sell your ass online but these individuals are not answering to a boss, don't have an income ceiling and aren't cutting a check to FedLoan services every month. Or pay for a 10K~ tech bootcamp and invest in a career that has a potential for high growth vs pay cuts and constant looming threats from insurance companies that dictate our pay. With the pay cut I received today and ones I will most definitely receive in the future I realized I would've been better off managing a taco or burger joint as my choice to go into OT was a very poor ROI in comparison. My point is we live in a time where you have options and I think the younger generation gets this more than anyone, and you don't have to pigeonhole yourself and then later feel trapped.
Now there are therapists who may disagree with me. They may say they have zero regrets going into this field. All the stars have aligned and they may feel like they're making a difference everyday, they aren't bothered or affected by any changes happening in our field, they found an awesome company and team to work for, they are not being buried by student loans, and that the hard work was all worth it. And that's completely valid and those therapists DO indeed exist. But I just ask you to consider all angles before making such a life altering commitment and not just let this thread get buried under the "HOW SHOULD I GET ALL MY SHADOWING HOURS" threads. This is my opinion but after working for a few years in schools, adult daycare, snf and home health and comparing my circumstances with friends who work in various other industries here are my 2 cents about whether or not you should consider OT plus things you may not have considered due to tunnel vision on the preliminary steps of getting into OT school
Things you may not have considered:
-the availability of jobs in your area
-the variety of OT jobs in your area. For example, in school we are told there are sooooo many settings. How many mental health jobs are there actually in your area?? I've seen 4 crop up in the past 4 years. Pay attention to facts--not a sales pitch meant to keep schools in business.
-when you don't want to work in a SNF or a peds outpatient setting what is the actual likelihood of working in an "emerging setting". Is there enough funding in that "emerging setting" to carve out a job with benefits for a Masters level clinician? Ever considered why "emerging settings" STAY "emerging settings"? Hint: not enough resources and advocacy to prove our value to hire on an OT
-the ease in which you can explore different settings
-having enough AUTHENTIC desire to work in a specific setting like schools in order to outweigh the BS (litigation, high caseloads that affect quality of treatment delivery, families)
-how you will physically fare as you age. Doing a MAX transfer as a fresh 25 year old is different than doing these consistently when you have a bad/weak back, knee, hip etc. Will you wanna chase a high energy kid around a sensory gym or be on the floor rolling around in your older years? Will you want to be doing manual therapy day in and day out in a hand therapy clinic?
-think into the future. When you tire and are experiencing burnout from the emotional and physical load of direct patient care (very frequently happens especially due to undesirable industry changes that places the pressure and burden on the therapist to make up for any loss of revenue to the facility) what will your options be as an OT? Do you have aspirations of being a DOR? Non clinical jobs are not plentiful. Positions like utilization review are highly sought after however there are not enough to meet the demand and mostly go to nurses. In fact nurses have much more non clinical job options as they progress in their careers.
-how student loans can chip away at you and affect the milestones you want to achieve in life. If you have a plan, great. But know that there are many older professionals who regret taking out high student loans because when they were young and figured they could pay them off they didn't consider the ridiculous federal loan interest rates. Many people have paid off their original loan but now because of interest their loans have double and triple exploded. Hint: loans are a scam. In many cases school is a scam.
-that people CHANGE. If people evolve and change over time what makes you think your career interest will stay the same? You may like OT now however it is very possible you will have a change of heart, but because of your loan debt you feel stuck in the mud.
-the ease of getting a hospital job if you have no desire to work in a SNF or in pediatrics and you don't have acute experience
-feeling like an OT salesman trying to sell your value to patients who have never heard of an OT ie. "oh is that a person who helps me get a job?" "arm exercises??" ::mockingly waves their arms around to show they can do AROM independently:: "Bathroom?" "Oh no I can do all that, please fetch the PT so I can walk and get out of this hell hole".
-other careers that "help people" that may have a better return on investment
-that you can still help people without taking that so literally when looking at potential careers
People who probably should not bother considering what's currently happening in our field:
-people who have GENERIC reasons for entering OT ie. I don't know what else to do, I want to "help people" (plenty of careers help people), healthcare seems like a stable job, I like to see people get better, I don't want to sit in a chair at a desk all day, I have a pointless Bachelor's degree that I can't make money with, I'm tired of being an accountant and OT sounds like a "nice change", I don't want to take "XYZ" science class in order to get a nursing or pharmacy or preferred degree, I couldn't get into that other career I really wanted so OT is what was left. Some of these reasons are OK but they shouldn't be your ONLY reasons.
-if your only choice is a super super expensive OT school because in the last several years getting into an OT school is insanely competitive (I blame the BS top 10 career articles) so now you'll be left with an 80K tuition which will sky rocket because you have to take out more loans for living expenses and have a 6% interest rate etc.
-you couldn't get into a cheaper in state school but don't want to "waste a year" sprucing up your application so you're accepting admission into that super pricey school that will make you go into indentured servitude trying to pay it off. Note: one year is nothing in comparison to a lifetime of paying off debt.
-you're choosing OT as a substitute for a career in psychology because OT involves "mental health". We've done a poor job advocating ourselves in that area and in many states there are very few mental health OT jobs so yeah you might use MH as one aspect of your treatment but it's not the same as being a psychotherapist or psychologist. Note this does not apply to people in the UK or Australia as they play a bigger role in MH.
-You think OT will mainly be about helping people recover so they can participate in their occupations of interests. Insurance doesn't care about all your patient's holistic and varied interests. They don't care that they used to be a skydiving instructor and post stroke can't be a skydiving instructor no more. ADL's and MOSTLY ADL's are our bread and butter so make sure you are interested in performing ADL's and exercise day in and day out. Similarly in the school setting, many interventions are based on meeting "sensory" needs and handwriting legibility.
People who may have better outcomes if they choose to go into this field:
-you have a sugardaddy who will pay for schooling
-you have a wealthy family who will pay for schooling
-you have lots of money saved up through a previous career, or have scored scholarships, or are certain you will have a financially stable situation (will live at home rent free for awhile), so you can quickly pay off said loans
-you have a partner who has a great paying job. You can even get on their health insurance and work here and there for fun money, or if you lose your job or side per diem gig you know your partner will be there to fill in the gaps. You may be able to live on their income while you quickly pay off your loans
-you are going to a cheap OT school and will have very little debt so if you ever choose to do something else it will not be such a big deal
-you are highly entrepreneurial and plan to network, market yourself and start a business endeavor using your skills as an OT
-you know yourself to be an absolute workhorse, and have no problems working 6-7 days a week, multiple therapy jobs, travel jobs, and sacrificing parts of your life in order to meet financial goals and pay off loans
-you will have debt but you know you want to work in pediatrics in a school setting and are confident in the PSLF program as a way to have your loans forgiven in 10 years with mounting debt that grows everyday because you're only paying the monthly minimum
-you have very specific and authentic reasons for wanting to be an OT, enough to outweigh any other possibilities or negativities about the field and the state of healthcare
-you have deeply personal experiences regarding OT and are genuinely passionate about OT and cannot see yourself doing anything else having explored many other careers that may have similar traits
-you want to be an OT with every fiber of your being or have a very strong "like" for it. You have shadowed every setting, have been able to envision yourself in that therapists position and can imagine doing what they do day in and day out including the grunt work and not just convincing yourself you like it because you don't want to start over and look for another career you would actually resonate with more (because that takes time and you're already 23 and want a career so you're not left out in your group of friends who already have careers)
Note: even having passion isn't enough to guarantee satisfaction in this career due to issues from immediate jobs (high caseload, high productivity, unreasonable expectations), and from the industry (medicare changes, reimbursement cuts, pay cuts, no pay increase in 10 years yet a growing student loan debt can feel like a slap in the face). Many OT's who were once passionate now regret it due to the reasons I've listed but having a strong passion can certainly improve job satisfaction outcomes overall. The person who responded to my post missed my point completely. You can like OT as a subject matter but be beaten down by actual circumstances and expectations in your job and the overarching industry.
Now I'm not trying to convince EVERYONE not to enter this field and be an alarmist and fear monger. I don't want everyone to panic, run for the hills, or worry they've made the wrong choice. I haven't covered more information including the quality of the jobs I've had because this post is already too long. Even in a bleak job climate there are still some pros.. there are patients who will make you feel very rewarded, your paychecks will be decent considering how cheap the cost of living is in your area, depending on availability you can try out different settings to switch things up. There are genuinely people who love OT so much they're willing to sacrifice a lot for it, don't really care about what I've said above, or they have advantages that others don't. I just don't want some people to think OT is the ONLY CHOICE to living a happy, financially comfortable life, especially when the return on investment is becoming poorer and poorer as the years pass by. This post goes especially for the fence sitters, the people who are considering more than one option and feel they would be happy in other careers, people who aren't fully convinced and their gut is telling them to keep looking, who shadowed therapists and weren't really "feeling it" all the way, who only have a super expensive school as an option, or who have a lot at stake. Just think it through so you won't regret it because the field is not exactly on an upward trend and the flashy marketers are not telling you everything.
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