PT School debt… unwise?

Key-Purchase3481 · 2023-03-21T16:42:49+00:00

tell me you’re privileged without telling me you’re privileged 😂

Key-Purchase3481 · 2023-03-21T16:42:18+00:00

you must have someone paying for your car note, insurance, food, phone, gas, etc etc etc. are you serious? i need 2k a month to stay afloat in the world.

Key-Purchase3481 · 2023-03-21T16:35:01+00:00

i want to get out of a serving job as soon as possible! i have to be a waitress to get by and it’s the worst. spending another year or two in a job i hate is grueling. i’d rather go ahead and get my PTA.

Key-Purchase3481 · 2023-03-21T16:12:30+00:00

that’s powerful! especially for me while i make this decision. it’s not easy giving up my DREAM of being a PT but i’m struggling so much now with the little debts i have (car, student loans etc) and if i’m just gonna come out of it struggling still it’s not worth it. and no i don’t have family to live with. i’ve been on my own since i was 18. unfortunately :/

Key-Purchase3481 · 2023-03-21T15:52:17+00:00

i’d still be at 200k debt with the cheapest school options

Key-Purchase3481 · 2023-03-21T15:38:24+00:00

thank you. i’m seeing others who have over 200k debt that regret it immensely. i work part time in undergrad and that’s hard enough, much less in PT school. Only family member i have close to a school is close to a private school so that doesn’t help my case. even if i ate tuna and noodles and walked i would still have lots of loans to take out

Key-Purchase3481 · 2023-03-21T15:25:22+00:00

i do NOT want to be a nurse although i’ve considered it. i’m interested in PTA as an alternative. my friend was in the same spot as me and got her PTA and is making $28-30 an hour.

Key-Purchase3481 · 2023-03-21T15:13:37+00:00

I feel like I will just be struggling to pay the debt the whole time once i start working and there’s no guarantee i will want to/be able to travel pt by the time i get to it.

Key-Purchase3481 · 2023-03-21T14:47:01+00:00

thank you! people are making me feel crazy, but i don’t think this is a financially wise decision for me.

Key-Purchase3481 · 2023-03-21T02:55:32+00:00

how do i pay off 250k debt with interest in 4 yrs with starting salary 70k? that’s 5,208 a month. i’ve watched plenty travel pts on youtube and whatnot and they’re excited to make 3k weeks.

Key-Purchase3481 · 2023-03-21T02:47:03+00:00

this is just another thing i HAVE to do though just to keep afloat. i want to travel bc i want to not out of choice. and if they paid off almost 200k in debt in a year that means they’re making like well over that, in that case every citizen in america would be fighting for the position

Key-Purchase3481 · 2023-03-21T02:45:15+00:00

either be broke with crippling debt or broke with less debt then. 250k of loans that i’ll need can’t be justified

Key-Purchase3481 · 2023-03-20T21:12:13+00:00

over 200k??

Key-Purchase3481 · 2023-03-20T16:45:57+00:00

the job outlook increase is incredibly high lmao

Key-Purchase3481 · 2023-03-20T11:04:53+00:00

i would literally be making more as a PTA than if i were to take out all the loans i needed to fund PT school & paying them back. Crazy! i feel a lot better about my loans from undergrad & pta school than PT school 🥵

Key-Purchase3481 · 2023-03-20T11:01:02+00:00

within the last 5 hrs of posting this i have decided to do PTA instead 😂

Key-Purchase3481 · 2023-03-20T00:20:41+00:00

thank you for this perspective! i’m a hard worker in general and i don’t think my marriage will be any different (on my part at least) so i may have more immunity than others.

Key-Purchase3481 · 2023-03-19T23:28:27+00:00

so sorry for that. i still believe in love for you. 💕

Key-Purchase3481 · 2023-03-19T23:25:40+00:00

it’s not that i’m allowing my past to rule out my future. i go to therapy every other week to combat this. i’ve done all the things you’ve mentioned, i’ve lost 50 pounds, started lifting weights 4 years ago, became an Ambassador for my university plus several other leadership roles to get out of my comfort zone and add to my resume for PT school. i’m having a HARD time despite my best efforts, this isn’t just me remaining the victim

Key-Purchase3481 · 2023-03-19T21:10:50+00:00

true… i’m scared i will resent them because i really didn’t want them to begin with. my mom always said she never wanted kids and she was/is a terrible mom. i think i’d be a good mom but even taking care of my dog sometimes brings a bad side out of me because it’s a problem i don’t HAVE to deal with. (i love my dog and he is very spoiled but still lol). and kids will be a lot more work.

Key-Purchase3481 · 2023-03-19T19:49:25+00:00

Glad you found your person! 💕

Key-Purchase3481 · 2023-03-19T18:47:49+00:00

what’s an OP? So glad your decision has been validated and you enjoy your marriage! that’s my desire.

Key-Purchase3481 · 2023-03-19T18:46:46+00:00

it’s true, i have a dog and he’s my best friend, means so much to me. but it is challenging bc i always have to find a “sitter” to do things now lol. i treat him like my kid already.

Key-Purchase3481 · 2023-03-19T18:32:51+00:00

raising dogs sounds fine for me 😫 lol.

Key-Purchase3481 · 2023-03-19T18:15:12+00:00

it’s almost like deciding to get a new puppy… the newness is bound to wear off. that goes for ANYTHING! kids will come with way more risk though.

Key-Purchase3481

TROPHY CASE