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Physical therapy (PT) school costs in the U.S. can range between $7,500 and $57,000 per year, depending on whether you live in the same state as the program you attend.

And when it comes to how to pay for PT school, there are several funding options for prospective students — from grants and scholarships to federal financial aid, work-study programs, private student loans, and more.

Keep reading to find out how much PT school costs and how to pay for it.

Cost of Physical Therapy School

The cost of PT school can vary significantly depending on the program you attend and your location.

With that said, the average total cost of education for PT programs in the U.S. is $106,051 for in-state students and $125,287 for out-of-state students.

7 Ways to Pay for Physical Therapy School

Now that you have an idea of how much PT school might cost, your next priority is likely figuring out how to pay for it once you’ve been accepted.

Below are seven different options you can look into to help cover the costs of attending PT school.

1. Grants

Physical therapists are in high demand, and there’s been a corresponding increase in the number of grants available to students who are pursuing a career in PT.

Grant funding that helps students with PT school costs is sponsored by a variety of sources, from the federal government to public and private colleges and universities, professional organizations, and corporations.

It’s a good idea to kick off your search for grant funding with federally-backed programs that target PT majors. If you’re enrolled in a PT program from an accredited college or university, you may be eligible for the following federal grants.

Recommended: Grants for College

The Federal Pell Grant

The Federal Pell Grant is available to undergraduate students with demonstrated financial need. Graduate-level students in Doctor of Physical Therapy programs are not eligible, but students in Physical Therapy Assistant (PTA) programs may apply. The amount of awarded funding maxes out at $7,395 for the 2025-26 school year. The amount awarded can change yearly and is based on the student’s level of financial need, attendance status (full time or part time), and the cost of the program itself.

The Federal Supplemental Educational Opportunity Grant

The Federal Supplemental Educational Opportunity Grant (FSEOG) is available to eligible undergraduate students who have already qualified for a Pell Grant, still demonstrate financial need, and are enrolled in a participating college or university.

To apply for an FSEOG, you can work with your college’s financial aid office and learn if you’re eligible to receive anywhere from $100-$4,000.

US Department of Health and Human Services (HHS) Aid

The U.S. Health Resources and Services Administration (HRSA), an agency of the HHS, offers a variety of financial aid opportunities that are designed to assist students entering into the health care profession. One example is the HRSA Scholarship for Disadvantaged Students, which is a campus-based grant program that provides financial assistance to students from disadvantaged backgrounds. Eligible recipients must be pursuing a degree in an approved health care field (PT being one of them), and the college or university the student is attending determines their eligibility and award amount.

Colleges and Universities

There are several campus-based grants and payment programs available to PT students to help cover PT school costs. Once you’ve compiled a list of preferred PT programs, you can search for these grants and scholarships on the schools’ websites or speak to someone in their financial aid departments to get started.

Private Organizations

Private and professional organizations can be solid sources for grants, scholarships, and fellowships that help aspiring PTs pay for PT school.

In many cases, the funding is extended on a regional basis, so searching for state or local organizations is a great way to seek financial aid that’s relevant to PT in your particular area.

The American Physical Therapy Association (APTA) sponsors several grants and scholarships for PT students, including the Outstanding PT Student and PTA Student Awards and the Orthopedic Section Outstanding PT/PTA Student Award, among others.

An example includes the Foundation for Physical Therapy Research (FPTR), which administers research grants for graduate-level PT students in a variety of rehabilitation techniques, including pediatric and geriatric PT. In addition, the FPTR offers $5,000 in award funds from their Promotion of Doctoral Studies Scholarship for high-performing PTs and PTAs pursuing doctoral studies at an accredited college or university.

2. Scholarships

When considering how to pay for PT school with a scholarship, consider searching scholarship databases for PT scholarships. Websites such as CollegeScholarships, Scholarships 360, or Scholarships.com all offer comprehensive lists of scholarships available specifically to students studying PT.

In addition to your course of study, you can factor in other talents or qualities that may help you qualify for a scholarship, such as where you grew up, your ethnicity, or your gender.

Review the scholarships available at your specific school as well.

Recommended: Find Financial Aid Options for All 50 States

3. Federal Student Loans

To help PT students offset their PT school costs, federal student loans are another prime way to secure financial aid.

Federal financial aid for PT students can come in the form of various federal student loans. They cover the cost of attendance, living expenses, fees, and more to help you pay for your PT education.

On top of that, federal student loans offer specific perks and protections such as:

•  Deferment (eliminated for economic hardship or unemployment for loans made on or after July 1, 2027)

•  Forbearance (capped at nine months in any 24-month period for loans made on or after July 1, 2027)

•  Student loan forgiveness options

•  A six-month grace period for new grads

Most federal student loans (aside from PLUS loans) don’t require a credit check, so borrowers won’t need to add a cosigner to the loan. Undergraduate students may also qualify for Direct Subsidized Loans, which are awarded based on financial need. Students are not responsible for paying the interest that accrues on subsidized loans while they are actively enrolled or during qualifying periods of deferment, such as the grace period.

4. Private Student Loans

Private student loans can be obtained from private lenders such as banks, credit unions, or other financial institutions and can help bridge the gap when federal student loans aren’t enough to pay for PT school. That said, it may be tricky for PT students to qualify for private student loans without a cosigner, especially if they have a lower credit score or no credit at all.

In some cases, aspiring PT students may need to ask someone to cosign for a private student loan to help them obtain a lower interest rate and more favorable loan terms.

While private student loan borrowers aren’t afforded the same perks and protections as they are with federal student loans, there are still benefits to using private student loans to pay for PT school.

Here’s a guide to private student loans that can help you learn more about the available options.

5. Part-Time Work

Whether it’s a side hustle or a sanctioned work-study program, there are other ways to pay for PT school that don’t involve a loan, grant, or scholarship.

On Campus

An on-campus work-study program is typically offered by the college or university where a student is attending PT school.

In the case of the Federal Work-Study Program, students are eligible for part-time employment while enrolled in PT school if their college is a participating member of the program and the student meets the program’s eligibility requirements. Checking with the school’s financial aid office is the best way to determine whether or not they offer a Federal Work-Study Program.

Off Campus

The Federal Work-Study Program also offers off-campus employment for a private nonprofit organization or a public agency, typically for work that’s performed in the public interest.

That said, finding your own job on or off campus (that’s not tied to federal aid) is also a possibility. Whether it’s a part-time job at a local cafe, waiting tables at a restaurant, or becoming a nanny for a nearby family, there are other options for figuring out how to pay for PT school.

6. FAFSA

If you’re thinking about using federal student aid to pay for PT school, the first step is filling out the Free Application for Federal Student Aid (FAFSA®).

The FAFSA is a free form that’s completed by current and prospective PT students to determine their eligibility for federal financial aid, including loans, scholarships, and the programs mentioned above.

Take a look at this FAFSA guide for more information about what the FAFSA is, which types of financial aid you may be eligible for, the requirements for receiving funds, and important dates to know.

7. PSLF

Public Service Loan Forgiveness (PSLF) is a federally-backed program that forgives the remaining balance on a borrower’s Direct Loans after:

•  They’ve made 120 qualifying monthly payments.

•  They’re under a qualifying repayment plan.

•  While they’re working full-time for a qualifying employer.

The requirements for receiving PSLF are strict, so if you are pursuing this option, be sure to read all the program instructions and paperwork closely.

When deciding how to pay for PT school, this is one reason many prospective students turn first to federal financial aid.

It’s Student Loan Forgiveness programs like these that are among the many perks and protections of federal student loans that can’t be accessed through private student loans.

How Much Can Physical Therapists Make?

While PT school costs can seem a bit steep, the compensation for recent PT grads can potentially justify the price tag for today’s typical PT program.

In 2024, physical therapists made a median salary of $101,020, with the top 10% bringing in more than $132,500 and the lowest 10% earning $74,420.

The Takeaway

When it comes to how to pay for PT school, there are several ways aspiring students can receive financial aid — including grants, scholarships, work-study programs, federal student loans through FAFSA, and private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What is the average student debt for a physical therapist after graduating?

PTs graduate with an average total student debt amount of around $156,000.

How much can PTs expect to make after graduating?

An entry-level physical therapist salary can range from $65,000 to $85,000 or higher per year, and the median salary among all PTs was $101,020 in 2024.

Will the military pay for PT school?

Each branch of the U.S. Armed Forces has different programs and requirements for receiving financial assistance for PT school. Visiting their individual websites is the best way to determine eligibility.

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Photo credit: iStock/marinesea

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Not all repayment options may be available for all loans. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is current as of 3/2/2026 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891. (www.nmlsconsumeraccess.org).

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

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SOISL-Q126-035

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The cost of college has soared over the last several decades, turning what was once a manageable next step after high school into a major financial undertaking. The combination of tuition, housing, and daily living expenses can feel overwhelming. But understanding why costs are rising is the first step toward managing them. Below, we explore the key forces driving up the cost of college in the U.S. and share practical strategies to help reduce your total bill without sacrificing your education.

How Expensive Is College Today?

According 2025-26 College Board data, the average annual total cost of attendance is:

•   $30,990 for in-state students at public institutions

•   $50,920 for out-of-state students at public institutions

•   $65,470 for students attending private nonprofit colleges

These figures reflect the full cost of education and living expenses combined. Tuition alone has risen dramatically from a generation ago. Over the last 30 years, average college tuition has roughly doubled after adjusting for inflation.

While inflation-adjusted costs have declined or remained flat in recent years, they are beginning to trend upward again, with 2026-27 price tags topping $90,000 per year at some private colleges.

💡 Quick Tip: When shopping for a private student loan lender, look for benefits that help lower your monthly payment.

Factors Contributing to Rising College Costs

College prices increase for many reasons. Universities are large, complex organizations with expenses that extend far beyond classroom instruction. From paying employees to maintaining facilities and technology, institutions face ongoing financial pressures that influence tuition rates.

Increase in Faculty Salaries and Benefits

Salaries and employee benefits represent one of the largest institutional expenses, often accounting for more than half of a college’s total operating budget. To attract and retain talented faculty and staff, colleges must offer competitive compensation packages.

In addition to base pay, faculty typically receive benefits like employer retirement contributions, health insurance, disability coverage, group life insurance, workers’ compensation premiums, parking privileges, and other fringe benefits like tuition discounts and athletic event access. Non-salary benefits can amount to one-quarter — or more — of total compensation.

Construction and Maintenance of Campus Facilities

Modern campuses extend beyond traditional classrooms and libraries. Universities invest heavily in state-of-the-art science labs, student centers, athletic facilities, residence halls, and sustainability initiatives.

Construction costs have surged in recent years due to labor shortages, rising material prices, and stricter building standards. Once facilities are built, ongoing maintenance, utilities, and renovations add to operational expenses. Many institutions also face costly repairs and modernization projects due to aging infrastructure.

Capital improvements are often financed through bonds and other debt instruments, and the debt repayment can contribute to rising tuition over time.

Student Services and Amenities

Today’s students expect more than lectures and textbooks. Colleges provide career counseling, mental health services, tutoring centers, disability accommodations, and robust extracurricular campus programming.

Mental health services in particular have expanded significantly in response to rising student needs. Hiring licensed counselors and maintaining support programs requires sustained funding. Institutions also compete for enrollment by upgrading residence halls, fitness centers, dining facilities, and technology-rich study spaces.

Administrative Costs and Staffing

Administrative staffing has grown over the past several decades. Universities must comply with federal and state regulations related to finance aid, research oversight, Title IX enforcement, accreditation, and campus safety.

Each compliance area requires trained personnel. Institutions also employ admissions officers, financial aid counselors, IT specialists, marketing teams, and fundraising staff. While critics often point to “administrative bloat” as a major driver of tuition increases, administrative and compliance costs represent a significant part of university budgets.

Technology Integration Costs

Technology plays a central role in modern higher education. Learning management systems, cybersecurity protections, high-need campus internet, digital libraries, research databases, and classroom technology all require continuous investment.

Colleges must also safeguard sensitive student data from cyber threats, which has become increasingly complex and expensive. Regular software upgrades and licensing fees further increase costs. The expansion of hybrid and online learning models — accelerated during the pandemic — added additional layers of technological infrastructure that institutions continue to maintain.

Impact of Inflation on Higher Education Costs

Like all sectors of the economy, higher education is affected by inflation. Rising prices for utilities, food services, construction materials, and insurance directly impact operating budgets.

Although tuition increases have moderated in recent years compared to past spikes, broader inflationary pressures continue to strain college finances. When operating expenses rise, institutions must either reduce services, identify alternative revenue sources, or increase tuition and fees.

Recommended: Inflation Impacts on College Tuition

Role of State Funding Cuts

Public colleges and universities rely heavily on state appropriations. Following the Great Recession of 2008, many states reduced higher education funding, prompting institutions to raise tuition to offset the shortfall.

While funding levels have rebounded in many states, new fiscal pressures have emerged. As states face competing budget priorities, some have proposed or implemented funding reductions in 2025 and 2026. When state support declines, students and families often bear a greater share of the financial burden.

Additional Expenses for Students

Beyond institutional factors, students face personal expenses that significantly increase the total cost of earning a degree.

Housing and Living Expenses

Room and board has become one of the fastest-growing college expenses, frequently rising faster than tuition and outpacing inflation.

Based on 2025-26 figures, room and board at a public college averages around $13,900 annually. At private colleges, the average is approximately $15,920, according to the College Board.

Textbooks and Course Materials

Textbooks and digital course materials can run well over $1,000 per year. Although rental programs and open educational resources have reduced some expenses, certain specialized courses still require costly materials.

Recommended: How to Pay for College Textbooks

Tuition and Fee Increases Year-Over-Year

Some institutions offer “tuition guarantee” programs that lock in rates for four years. However, many students should expect annual tuition increases. Even a 3% yearly hike compounds over time. Because each increase is applied to an already elevated base, the total cost of a four-year degree can exceed initial projections.

Total Cost of Attendance vs Tuition Alone

One common misconception is equating tuition with total college costs. Tuition represents only one part of the financial picture.

Total cost of attendance (COA) includes tuition, mandatory fees, housing, meals, books, supplies, transportation, and personal expenses. Financial aid offices use COA to determine eligibility for grants and loans.

For example, at the University of Maryland, in-state tuition and fees for 2025-26 are listed at $12,290, while the total cost of attendance is estimated at $33,360 — with $21,070 attributed to non-tuition expenses.

Hidden Costs Students Should Expect

In addition to published expenses, students may encounter less obvious costs, such as:

•   Orientation fees

•   Parking permits

•   Study abroad program fees

•   Professional exam preparation

•   Graduation fees

•   Food beyond meal plans

•   Technology purchases (e.g., laptops, tablets)

•   Moving and storage expenses

On-Campus vs Off-Campus Cost Differences

Whether living on-campus or off-campus is more affordable depends largely on location. At many institutions, the difference in cost is relatively small.

One key distinction is predictability. On-campus housing typically bundles rent and meal plans into a fixed cost. Off-campus living may offer flexibility but often includes variable expenses such as utilities, groceries, and transportation. Carefully comparing projected expenses can help determine which option is more economical.

Efforts to Control College Costs

In response to growing concerns about affordability, policymakers and institutions are exploring ways to contain or reduce costs.

Policy Changes and Government Proposals

Federal and state governments have proposed expanding Pell Grants, supporting tuition-free community college initiatives, and increasing transparency around net pricing (actual cost after financial aid). Federal actions are also being taken to address overborrowing, streamline loan repayment, and hold schools accountable for student outcomes.

Institutional Cost-Control Strategies

Colleges are also pursuing internal cost-saving measures, including:

•   Consolidating academic departments

•   Freezing hiring or limiting administrative growth

•   Expanding online course offerings

•   Partnering with other institutions for shared services

•   Increasing fundraising and endowment support

Some institutions are experimenting with three-year degree programs to reduce total time to graduation and overall costs.

The Long-Term Impact of High Costs

Rising college costs have broad economic and social implications. Graduates may leave school with significant debt, delaying milestones such as homeownership, entrepreneurships, or retirement savings.

High sticker prices can also discourage lower-income students from applying to selective institutions — even when generous financial aid might make attendance affordable. This “price shock” effect can limit access and perpetuate inequality.

At the same time, data consistently show that bachelor’s degree holders earn more on average over their lifetimes than individuals with only a high school diploma. For many students, college remains a worthwhile long-term investment — but one that requires thoughtful financial planning.

Recommended: The Pros and Cons of Going to College

How Students Can Manage Rising College Costs

While you cannot control macroeconomic trends or state funding decisions, you can take proactive steps to reduce your personal expenses.

Maximizing Financial Aid

Start by completing the Free Application for Federal Student Aid (FAFSA®). In addition, you might explore scholarships offered by employers, private companies, nonprofits, religious groups, and community groups. These awards may be merit-based, need-based, or tied to specific talents, backgrounds, or career goals.

If your family’s financial circumstances change, consider appealing your financial aid offer. Work-study programs and part-time employment can also help offset costs.

💡 Quick Tip: Even if you don’t think you qualify for financial aid, you should fill out the FAFSA form. Many schools require it for merit-based scholarships, too.

Choosing Cost-Effective Schools

In-state public colleges often offer the lowest tuition and highest return on investment. Another strategy is to begin at a public community college then transfer to a four-year institution. Completing general education requirements at a lower cost — often while living at home — can significantly reduce student loan debt.

When comparing college costs, look beyond the sticker price. Use each school’s online net price calculator to estimate your realistic out-of-pocket cost after grants and scholarships.

Strategic Borrowing

Many students rely on loans to finance their education. When borrowing, a good strategy is to prioritize federal student loans over private loans due to their fixed interest rates and borrower protections, including income-driven repayment and potential forgiveness options.

If private loans are necessary, shop carefully for competitive interest rates and consider using a creditworthy cosigner to secure better terms. Even if lenders allow you to borrow up to the full cost of attendance (minus financial aid), aim to borrow only what you truly need to avoid excessive debt after graduation.

The Takeaway

College is expensive in the United States because it reflects a complex ecosystem of faculty compensation, infrastructure, student services, administrative requirements, technology investments, inflationary pressures, and fluctuating state support. Beyond institutional costs, students also face substantial living expenses, materials, and incremental tuition increases.

Despite the high price tag, higher education can still offer significant long-term returns. The key is understanding the full cost of attendance, actively pursuing financial aid, and making informed decisions about where and how to earn a degree.

Approaching the process strategically — and recognizing the forces behind rising costs — can help you navigate the financial realities of college and set yourself up for long-term success.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

What is the most expensive part of going to college?

Tuition and mandatory fees, along with room and board, generally represent the largest expenses. For the 2025-26 academic year, the average total cost of attendance for an in-state public institution was $30,990, with approximately $13,900 of that attributed to room and board. For private nonprofit colleges, the average total cost was $65,470, with room and board averaging $15,920.Beyond these main categories, textbooks, transportation, and personal expenses add to the total cost.

Why do private colleges cost more than public?

Private colleges generally cost more than public institutions for several key reasons. Unlike public universities, which receive substantial funding from state governments, private colleges rely primarily on tuition, endowments, and private donations. This lack of significant state subsidies means they must charge higher tuition to cover their operational costs. In addition, private schools often offer smaller class sizes and more personalized instruction, which contributes to higher per-student costs.

How can students reduce the cost of college?

Students can reduce college costs by prioritizing financial aid, starting with the FAFSA® to access federal grants and loans, and actively applying for scholarships. Choosing cost-effective schools, like in-state public institutions or starting at a community college before transferring, can also lower expenses. When borrowing is necessary, strategically prioritize federal student loans over private loans, and only borrow the minimum amount needed, regardless of the maximum offered.

Are online degrees a cheaper alternative?

Online degrees can often be a more cost-effective alternative, primarily because they reduce or eliminate the expense of on-campus housing, meals, and transportation. However, tuition rates for online programs vary widely and may be comparable to in-person tuition at some institutions. Students should carefully compare the total cost of attendance to determine the actual savings.

Why has college tuition increased so much over time?

Rising college tuition is driven by several interconnected factors, including state funding cuts to public institutions, growing administrative and compliance costs, increased spending on faculty salaries and benefits, and competition to offer modern facilities and student amenities. In addition, technology integration and general inflation further strain university budgets, leading to annual tuition and fee increases applied to an already high base cost.

Is college still worth the cost?

College remains a significant investment, but data consistently shows that bachelor’s degree holders earn substantially more over their lifetimes than those with only a high school diploma. While high costs demand careful financial planning — such as maximizing aid and selecting cost-effective schools — long-term career prospects and earning potential confirm the degree’s enduring value for most students.

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Photo credit: iStock/Ibrahim Akcengiz

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

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