New occupation//Tuition doubts
Hi! I’ve done a lot of research and asked questions on this Reddit page, and I’ve been hearing from many people in the OT field that taking on over $100k in tuition debt for an OT doctorate may not be worth it compared to the salary afterward. I’m currently feeling really stuck and unsure what to do. I live in Hawai‘i and unfortunately can’t relocate out of state for school, and my state only has one OT program, which is a private doctoral program with very high tuition. I’m also almost finished with my bachelor’s in pre-OT and only have about a year left, so it feels scary to change directions now after already investing so much time and money. Growing up, I always dreamed of working with children and helping teach/support them in a way similar to teachers, which is what originally drew me to OT. When I first discovered OT, it honestly felt like the perfect fit because it combined so many things I love. But now, after hearing so many professionals talk about the debt to income ratio and the financial stress from loans, I’m starting to question whether pursuing OT is the smartest decision financially long term. I’m just looking for honest advice from people who have been in similar situations. If you were close to finishing ur degree but felt uncertain about taking on large loans for OT school, what would you do? Are there related career paths you explored, or do you still feel OT was worth it despite the debt?