Hello All: I am new to this forum. I have been fascinated by all the discussions on here from DPT students and professionals. Please let me provide some background to eventually get to my point. I am currently in a state of confusion/anxiety with regards on what to do based on a few factors. I feel it is my own doing because I never found this forum before, and I did not do enough research on my part on schools, tuition and advice from PTs.
My undergrad degree/former career is in public relations and marketing. After the economy went down in 2008, I decided to temporarily work as a fitness trainer at my local gym. It was here where I fell in love with helping others. The gym was tied to a hospital so I was able to help people from all walks of life, of all ages. After a couple of years, I decided to go back to school and pursue physical therapy. However, since I didn't have any science courses, I would need to fulfill all the prerequisites to submit an application. My job as a fitness trainer gave me the schedule flexibility to take classes during the morning, and work afternoons and evenings (full time). Of course during this time as a fitness trainer, I have been making low pay with some commission (yet still not enough to live a stable long term life). I took out student loans to complete the prerequisites; which of course, it helped me stay afloat financially (blindly taking them).
During this time, I also took the GRE a couple of times but only to reach the minimum score or right under the minimum that was good enough for certain schools. I went through PTCAS in 2018 but only to realize a few months after that most of the 10 applications I sent were never verified (and a lot of money gone down the drain). The in-state school I wanted to attend denied me because my GRE did not meet the minimum. This past year I ended up applying only to two schools. One is a brand new school that is in-state (and still awaiting accreditation; with a tuition cost of over $90K), and the other in another major city (with tuition of over $130K). Fortunately and FINALLY, the private in-state school has invited me for an interview.
However, after years of hustling with work and finances, my main focus had always been to finish the prerequisites, finish the prerequisites....(and decided to take one additional course this semester (MedTerm) that was needed for one of the schools). Now this pandemic has hit, I am not working currently because the gym is closed. I am finally able to THINK clearly. I've realized that my undergrad/prerequisites student loan amounts now sit at nearly $80K (they've been on forbearance). I am invited to this interview for a private in-state school which is $95K. After I am done with this education, I will have $200K in student loan debt. The income-to-debt ratio is something I never truly thought about until now (unfortunately). After reading how most PTs start at $65K (especially in my state) and may go to $80K, it is very disheartening to see. I have spoken to some PTs that I work with through the hospital, and they also tell me the same. If I were to make more to pay off my debt, I could just work 60-80 plus hours, travel PT or climb the ladder to eventually be a manager or clinic director. However, most PTs tell me the pay usually caps off at $100K.
Another major factor I am considering is my age - I am 43, yes...I decided to switch my career late in age. I look rather young for my age, but by the time I am done with PT school I will be in my late 40s. I start thinking of paying back $200K in debt, and to be able to live a quality of life (house, car, have a relationship, start a family which I have not done so) and not be able to especially at my age or being able to handle the physical aspects of the job. Yes, I workout regularly but I am thinking ahead now. An additional factor and fear is entering PT school and not being able to handle the program. So as you can read, I am full of anxiety. I could kick myself for my naive journey and not doing my research (so yes, this is my fault). It feels like I have been driving full speed ahead and not paying attention to what's in front of me. So now I can finally think. It's been a long journey and an overwhelming one for the last several years.
Therefore, I am here to ask for your advice. Here are some of my options: I could take the GRE again and do my best to get a better score to apply for the in-state cheaper school (with a tuition of $68K) or even a cheaper out-of-state school to wait another year (if they accept me), or just deal with the $200K debt and go to the private in-state school ($95K) this August (if they accept me), or possibly consider an entirely different route (PA school, Master's in something that will make these prerequisites worthwhile, etc). Yes, I have always been passionate about helping others - exercise was the main thing and thought PT was a good way to mix exercise movements, rehab with helping others and live a financially stable life. Perhaps though I am not seeing the bigger picture or other worthwhile degrees/options to help people.
Thank you all for any suggestions or advice.
My undergrad degree/former career is in public relations and marketing. After the economy went down in 2008, I decided to temporarily work as a fitness trainer at my local gym. It was here where I fell in love with helping others. The gym was tied to a hospital so I was able to help people from all walks of life, of all ages. After a couple of years, I decided to go back to school and pursue physical therapy. However, since I didn't have any science courses, I would need to fulfill all the prerequisites to submit an application. My job as a fitness trainer gave me the schedule flexibility to take classes during the morning, and work afternoons and evenings (full time). Of course during this time as a fitness trainer, I have been making low pay with some commission (yet still not enough to live a stable long term life). I took out student loans to complete the prerequisites; which of course, it helped me stay afloat financially (blindly taking them).
During this time, I also took the GRE a couple of times but only to reach the minimum score or right under the minimum that was good enough for certain schools. I went through PTCAS in 2018 but only to realize a few months after that most of the 10 applications I sent were never verified (and a lot of money gone down the drain). The in-state school I wanted to attend denied me because my GRE did not meet the minimum. This past year I ended up applying only to two schools. One is a brand new school that is in-state (and still awaiting accreditation; with a tuition cost of over $90K), and the other in another major city (with tuition of over $130K). Fortunately and FINALLY, the private in-state school has invited me for an interview.
However, after years of hustling with work and finances, my main focus had always been to finish the prerequisites, finish the prerequisites....(and decided to take one additional course this semester (MedTerm) that was needed for one of the schools). Now this pandemic has hit, I am not working currently because the gym is closed. I am finally able to THINK clearly. I've realized that my undergrad/prerequisites student loan amounts now sit at nearly $80K (they've been on forbearance). I am invited to this interview for a private in-state school which is $95K. After I am done with this education, I will have $200K in student loan debt. The income-to-debt ratio is something I never truly thought about until now (unfortunately). After reading how most PTs start at $65K (especially in my state) and may go to $80K, it is very disheartening to see. I have spoken to some PTs that I work with through the hospital, and they also tell me the same. If I were to make more to pay off my debt, I could just work 60-80 plus hours, travel PT or climb the ladder to eventually be a manager or clinic director. However, most PTs tell me the pay usually caps off at $100K.
Another major factor I am considering is my age - I am 43, yes...I decided to switch my career late in age. I look rather young for my age, but by the time I am done with PT school I will be in my late 40s. I start thinking of paying back $200K in debt, and to be able to live a quality of life (house, car, have a relationship, start a family which I have not done so) and not be able to especially at my age or being able to handle the physical aspects of the job. Yes, I workout regularly but I am thinking ahead now. An additional factor and fear is entering PT school and not being able to handle the program. So as you can read, I am full of anxiety. I could kick myself for my naive journey and not doing my research (so yes, this is my fault). It feels like I have been driving full speed ahead and not paying attention to what's in front of me. So now I can finally think. It's been a long journey and an overwhelming one for the last several years.
Therefore, I am here to ask for your advice. Here are some of my options: I could take the GRE again and do my best to get a better score to apply for the in-state cheaper school (with a tuition of $68K) or even a cheaper out-of-state school to wait another year (if they accept me), or just deal with the $200K debt and go to the private in-state school ($95K) this August (if they accept me), or possibly consider an entirely different route (PA school, Master's in something that will make these prerequisites worthwhile, etc). Yes, I have always been passionate about helping others - exercise was the main thing and thought PT was a good way to mix exercise movements, rehab with helping others and live a financially stable life. Perhaps though I am not seeing the bigger picture or other worthwhile degrees/options to help people.
Thank you all for any suggestions or advice.
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