Is Physical Therapy School Worth It?

Is physical therapy school worth it? Before you decide to go to physical therapy school, keep these tips in mind:

1. Keep your debt to income ratio below 1:1. Too many physical therapy students are graduating with more than 1.5 or 2.0x their salary in physical therapy student loans! You need to know exactly how much you're willing to spend on a program and whether or not that makes financial sense. Use the debt to income ratio of 1:1 to determine which schools make the cut and which schools you should just cross off the list.

2. It's ok to take a year off if you don't get in to an affordable PT school. The math actually works in your favor as demonstrated in the video. Build up your resume and reapply to a state school. The money you save by avoiding paying for private Physical Therapy school tuition will far exceed the income you earn by graduating a year earlier. Financially, it's just not worth it to sign up to pay more to get into a private PT school.

3. Paying off 100,000+ of physical therapy student loans will be very challenging on a new grad PT's salary. You'll need to live like a student for 2 to 3 years (or more if you have over 100k in loans!). While physical therapists do earn a healthy salary, your budget will feel tight right out of school because of high student loan payments.

Work hard and save money while you're in school. If you can get a work study job, great! But be mindful of the debt you're accumulating because graduating with a lot of debt after physical therapy school is just not a good idea.

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