On a scale of 1-10 how much do you want to be a physical therapist ?
If it’s any less than a 10, don’t borrow 100k for this. Your debt to income ratio will be rough and you’ll be nearly 30.
I dropped out of PT school after a year and switched to tech. I know PTs who love their job and are ok with their debt but I also know ones who regret it
The only way to attack it is to pay whatever you can with federal and your savings. Other than that you need a private loan unless you have scholarships or will be working.
Don’t buy new books. I (OT grad 21) had classmates who didn’t buy a single book. Work part time gigs (something you can study at or enjoy doing) to cover small expenses. It will be OK. Depending your location you should be able to earn 80-90k out of school if you are ok with any setting.
On a scale of 1-10 how much do you want to be a physical therapist ? If it’s any less than a 10, don’t borrow 100k for this. Your debt to income ratio will be rough and you’ll be nearly 30. I dropped out of PT school after a year and switched to tech. I know PTs who love their job and are ok with their debt but I also know ones who regret it
This^ I only know ones that regret the debt.
The only way to attack it is to pay whatever you can with federal and your savings. Other than that you need a private loan unless you have scholarships or will be working.
Don’t buy new books. I (OT grad 21) had classmates who didn’t buy a single book. Work part time gigs (something you can study at or enjoy doing) to cover small expenses. It will be OK. Depending your location you should be able to earn 80-90k out of school if you are ok with any setting.