Honestly, in my opinion, if it were me... I would be willing to wait (in fact, I did wait an entire year. I was done with my prereqs Aug. 3, 2010 and I don't start my DPT program until Aug 29, 2011.) in order to save potentially TONS of money (tuition wise).
Yes, St. Augustine obviously has perks, but I honestly cannot fathom accruing over $100k in student loans when I will probably bring home around $50k when I start in the workforce.
It's just not plausible when there are other things I want in life to spend that much money on schooling----- I want to get married- weddings cost money... I would like to buy a new (not necessary brand new, but new to me) car- cars cost money... I want to own a home- mortgages cost money and previous debt can effect the amount/interest you can get on a loan.
Yes, PT is my passion, but unfortunately it is NOT going to define me as a person and be all that my life is about.
I was in a similar position- I could've crammed all my prereqs in and applied to one school and finished my prereqs in May 2010 and started in June 2010 (which is what a girlfriend of mine did) but she is going to be paying around $90k in tuition-- that doesn't include books or cost of living. I'm glad I waited a year, I have a decent paying job (not something that I could support myself on, but I am living at home with my parents at the moment) and have put away almost $4500 since September 2010 towards my schooling.
Waiting was worth it for me, it may or may not be for you, but it's something to consider.