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Public policy

Public Service Loan Forgiveness is a mess

November 5, 2018 by Ben Caldwell

Matthew Henry / Burst / Used under licenseWhen the Public Service Loan Forgiveness program (PSLF) started in 2007, mental health professionals all over the country expressed optimism and relief. Student debt is crushing younger mental health professionals — hear two stories, in their own words, here. The PSLF program promised those working in nonprofit agencies and in public service that if they just stuck it out for 10 years, the remainder of their direct student loans would be forgiven.

Any kind of mental health work is challenging, but nonprofit clinics and public systems are notoriously difficult to work in. They offer low pay, low-functioning clients, a ton of paperwork, and often, little support. It’s no wonder that many counties struggle to fill those jobs at all.

For those clinicians who experience the work as a calling, though, the PSLF program offered a lifeline. It would be a reward for staying put in positions that most therapists understandably leave. For those who otherwise faced a possible lifetime of debt, PSLF suggested a way out.

It’s not going well so far.

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Why I left full time academic work

October 22, 2018 by Ben Caldwell

Ben Caldwell / Copyrighted work / Used under licenseA little more than two years ago now, I left my position as an Associate Professor at Alliant International University in Los Angeles. Many people have asked me since then why I left full time academic work. The position was relatively well-paid, with good job security. I had good colleagues, many of whom are friends to this day. I had the closest thing to tenure that the university offered: A five-year rolling contract. And I was teaching and doing research, both of which I love.

I’ve gotten used to providing a diplomatic answer to that question. My wife and I were starting a family, and the time had come for me to make a change. That’s true, it’s just purposefully incomplete. Here’s the full story.

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The ESA backlash has arrived

July 27, 2022September 24, 2018 by Ben Caldwell

Matthew Henry / Burst / Used under licenseIf you’re a counselor or therapist, there’s a good chance you’ve had at least one client ask you for a letter that would designate their pet as an Emotional Support Animal (ESA). There’s also a good chance they didn’t really need it.

ESAs are allowed in airplane cabins and in housing situations that otherwise do not allow pets or charge extra fees. Beyond that, very few standards govern what an ESA is or does. ESAs are not service animals and do not need any training or certification. All someone needs to have their pet be an ESA is a letter from a qualified therapist. But there’s no law or standard to help a therapist determine whether to write that letter.

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“Deferred tuition” is betting against yourself

August 22, 2018 by Ben Caldwell

Matthew Henry / Burst / Used under licenseA few years ago, I wrote about income share agreements. ISAs are a novel way of financing higher education. Under this model, rather than paying tuition, a student agrees to pay a percentage of their future earnings back to whatever entity agrees to finance the person’s education now. It’s now called deferred tuition, and it’s still a bad idea.

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Attending my first licensing board meeting

August 8, 2018 by Jeffrey Liebert

Ryan McGuire / Gratisography / Used under licenseThe first licensing board meeting that I attended was in Sacramento. I did not live locally, so I had to travel to attend the meeting. I can remember well that trip and all of the expectations that I had. Basically all I knew about the California Board of Behavioral Sciences (BBS) was what I had heard from professors while in my master’s program, which was that the BBS was some ultimate authority that was to be revered and respected.

Because of what I had been told, I had honestly expected the meeting to be at some lavish location with lots of amenities. I expected the board members to be sitting on a platform, similar to a judge in a court, to highlight their authority. I had expected there to be structured, pre-arranged seating for those in advocacy positions. (I was attending as part of my advocacy role within the California Division of AAMFT.) Arriving early seemed critical, as I had expected there to be a relatively large crowd of attendees present.

None of those expectations came to pass.

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  • Exam Prep
    • California LMFT Clinical Exam Prep
    • California LMFT Law & Ethics Exam Prep
    • California LPCC Law & Ethics Exam Prep
    • California LCSW Law & Ethics Exam Prep
  • CE Courses
    • California Law and Ethics 6-Hour for LMFTs, LPCCs, & LCSWs
    • California Law and Ethics for BBS Associates (AMFTs, APCCs, & ASWs) – 2025
    • Telehealth for California LMFTs, LPCCs, and LCSWs
    • Supervision of California BBS Associates
    • Supervision for Clinical Effectiveness
  • Books
    • Basics of California Law for LMFTs, LPCCs, and LCSWs (11th ed)
    • Preparing for the 2025 California MFT Law & Ethics Exam
    • Preparing for the 2025 California Clinical Social Work Law & Ethics Exam
    • Saving Psychotherapy
  • Resources
    • Think Like the Test™ Podcast
    • Exam Prep Articles
  • Blog
    • Blog home
    • Psychology
    • Professional Counseling
    • Family therapy
    • Clinical social work
    • Law and ethics
    • Education
    • Employment
    • Licensure
    • Public policy