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student debt

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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Podcast episode 5: Reports of loan forgiveness death greatly exaggerated

March 19, 2018 by Ben Caldwell

Psychotherapy Notes podcastWe’ve spent the last two episodes talking about student loan debt. It’s reshaping the mental health professions. Two doctoral students were kind enough to share with us their own personal stories. In this episode, we talk about the great hope for many who are in the deep end of student loan debt: Public Service Loan Forgiveness.

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Podcast episode 4: Two stories of student loan debt

March 5, 2018 by Ben Caldwell

Psychotherapy Notes podcastIn our last episode, we talked about how student loan debt is crushing the mental health professions. This time, we get a lot more personal. For this episode of the Psychotherapy Notes podcast, we interviewed two graduate students working on their doctorates at a private university in southern California. By the time they both graduate, they will together owe more than half a million dollars for their education.

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Fears about Public Service Loan Forgiveness are overblown

October 18, 2017 by Ben Caldwell

money for loan forgivenessStudent loan debt has been a regular topic here, as it should be. Mental health professionals need to have graduate degrees, which often means taking on significant debt. The American Psychological Association reports that PsyD students in psychology now graduate with a median of $200,000 in student debt just from their graduate studies. The federal government offers loan forgiveness for those who work in government and nonprofit organizations, through its Public Service Loan Forgiveness program.

Recently, there’s been some concern over the fate of that program. Therapists and counselors currently working in nonprofit settings wonder whether they will in fact be eligible — or whether the program will still exist — by the time they complete 10 years of service. But their concern is (at least so far) not supported by what’s actually been happening.

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Why grad school textbooks are so expensive

August 22, 2016August 22, 2016 by Ben Caldwell

2015cover392A while back, I wrote a textbook. It is now on its third edition, with the fourth edition due out in January. The book is, objectively speaking, expensive at $79, though good texts costing twice as much are not uncommon in graduate education for psychotherapists. Why are graduate textbooks so expensive? I’ll tell you. 

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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