alwayslookingout t1_j9zxyu0 wrote on February 25, 2023 at 8:24 PM

Reply to comment by Scallion-Busy in Savings vs student loans by Scallion-Busy

I personally think DPT is a rip off, if not outfight a scam. Calling it a “doctorate” so they can charge PTs more for schooling is abhorrent. But that’s besides the point.

My wife also had about $125K of loans at ~6% APR for her grad school. When loans got put on deferment she went in super hard and paid all of it off. You have plenty in savings IMO- I’d go all in on those loans again.

Scallion-Busy OP t1_j9zyvsz wrote on February 25, 2023 at 8:30 PM

I 100% agree with you. It was turned to a doctorate so we can do “direct access” so you can see a PT without being referred by a MD … buts it’s only for 10 visits of 30 days whatever comes first. Plus that’s only after 3 years of experience. I’ve talked many aides out of pursing PT. It financially just can’t be justified. Reimbursements keep getting cut so we have to see more people.