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Area of Science:

  • Health professions education
  • Financial literacy
  • Student debt

Background:

  • Mounting student debt poses a significant challenge for physical therapy professionals, impacting well-being and career choices.
  • The American Physical Therapy Association (APTA) advocates for enhanced financial literacy among physical therapy students.
  • High educational debt can influence mental health and professional decisions for physical therapy practitioners.

Purpose of the Study:

  • To evaluate the financial knowledge of Doctor of Physical Therapy (DPT) students.
  • To assess anticipated student debt levels among incoming DPT students.
  • To gauge awareness and use of APTA financial resources by DPT students.

Main Methods:

  • A 24-question financial knowledge survey was administered to matriculating DPT students.
  • The survey assessed four distinct financial knowledge domains.
  • Data collection included demographic information, self-assessed financial knowledge, projected debt, and APTA resource engagement.

Main Results:

  • The study achieved an 80% response rate, with 125 students completing the survey.
  • Students answered an average of 57% of financial knowledge questions correctly.
  • A significant majority of students anticipated graduating with over $80,000 in debt, with many projecting over $100,000 or $150,000; 85% were unaware of or had not used APTA financial resources.

Conclusions:

  • While DPT students' financial knowledge scores exceeded those of some health professions students, their financial literacy regarding student loans lagged behind other college students.
  • Given the substantial anticipated educational debt, DPT programs must enhance student awareness of APTA financial education resources.
  • Integrating comprehensive financial literacy education into DPT curricula is crucial to address student debt challenges.