Are tou thinking about making the transition from COTA to OTR? You’re not alone!
One of the most common questions I see in OT Facebook Groups is something along the lines of:
Should I put in all the time and money to go to school to become an OTR if I am currently a COTA?
Seeing this so frequently, I wanted to compile common responses and things to think about for those of you who have this question on your mind.
Like with a lot of major life decisions, there are pros and cons to weigh.
The pros and cons in this post come from many online discussions from COTAs exploring the prospect, COTAs that have transitioned to OTRs, and from COTAS who have decided against it.
The Pro’s of Transitioning from COTA to OTR
+ An Increase in Pay
Based on the Bureau of Labor Statistics, Master’s level Occupational Therapists (OTR’s) earn an average of $80,150 per year, or $38.54 per hour based on the median salary. This number can of course be higher or lower based on your location. The national average for COTA’s is $58,340 per year, or $28.05 per hour.
+ An Increase in Job Opportunities
Many facilities such as hospitals, outpatient clinics, and schools are hiring less COTAs (or no COTAs at all). In some cities, it can be increasingly challenging to find a clinical job as a COTA, and many have stated this is the reason for going back to school to become an OTR.
+ Greater Autonomy and Independence
As an OTR, you are in control of your patient’s plan of care, treatment planning, discharge planning, etc. As a COTA, you are following the OTR’s treatment plan and may not have a lot of options based on the OTR’s goals for the patient.
+ You Will Be Furthering Your Education
This one may seem like a given, but many COTAs that have made the transition to OTR stated they felt like they really expanded their knowledge of OT by going through the Master’s program. If you’re passionate about healthcare and helping patient’s through therapy, you may find that your enthusiasm for the field is what motivates you to pursue the OTR degree.
+ You Can Go Into Teaching
Many OT schools will hire OTR’s with a Master’s or Doctorate to become educators. This advantage ties in to the fact that the OTR affords many people additional job opportunities that otherwise may not be available to COTAs.
The Con’s of Transitioning from COTA to OTR
While there are fewer con’s than there are pro’s, these big drawbacks are enough for many COTA’s to decide against going back to school to become an OTR.
– The Huge Expense
While OTR’s have a higher salary than COTA’s, the cost of getting a Master’s or Doctorate in OT (whether through Bridging or Traditional) is extremely expensive. Many COTA’s who only plan on working ten to twenty more years state they would never be able to pay the debt off by retirement.
– It Will Probably Take A Long Time To Break Even
Using the national averages for salary and the average cost of a weekend Master’s program, it will take a minimum of 7.5 years to pay off your OTR degree assuming all of your additional income goes to pay down your OTR degree.
Looking at this more closely, we took a top weekend Master’s program offered by Belmont University. The program consists of six semesters that cost $13,150 each, so the program in total will be $78,900.
The additional income you’d make using the difference between the national averages for COTA vs. OTR is $22,810 per year (or about $15,967 after taking out 30% for taxes). The table below illustrates how much will be added to your balance at the beginning of each year in interest and how much it will go down from paying off $15,967 per year.
|Years After Graduating||Beginning Balance||Add 8% Interest||Pay Down $15,967|
(nat’l avg. salary OTR vs. COTA)
If you put all of the additional $15,967 of income towards paying off your student loans, it would take you at a bare minimum 7.5 years to pay off the OTR degree (including 8% annual interest over that time period).
Including the six semesters in the program (2 years), your total time investment to complete the program and pay it off is approximately 10 years.
That said, this example of the quickest timeline to pay off the average OTR degree with an average income will probably be unlikely. You are most likely wanting to earn more money to pay for regular living expenses and other things within the next 10 years. This calculation is mainly to illustrate the break-even point.
More typical student loan terms are anywhere from 10-20 years. Your monthly payments will be lower, but of course you’ll be paying more for the program over time in interest.
Note: this is a simplistic example to determine the break-even point and does not represent actual interest accumulation or an actual payoff schedule.
– Even Bridge Programs Have Some Drawbacks
If you’ve decided to take the plunge into becoming an OTR, you are likely aware of the several weekend “bridge” programs. But you can also choose to attend a traditional Master’s or OTD program if you already have a Bachelor’s degree. The cost breakdown for a bridge program and a traditional Master’s program may help with your decision.
Because there are only a few weekend bridge programs, traveling or moving closer to the location of the program is usually required. Many programs require at least monthly visits to the school, which can be challenging for those with families.
Additionally, just like traditional OTR programs, getting into a bridge program even with years of experience can be a challenge due to the high number of applicants.
– Finally…The BIG Increase in Paperwork
This is a huge reason why many COTAs decide that becoming an OTR is not for them. As an OTR, a lot more of your time every day will be spent doing paperwork; this means writing evaluations, progress notes, and discharges. While OTR’s still do treatments, it is typically less due the added paperwork.
In the end, you should do what’s right for your situation. Everyone’s personal circumstances may will vary. Both careers are great choices and there’s no clear-cut right or wrong answer.
I will say that I love being an OT and I am glad I finished my OTR degree. If you are passionate about working in occupational therapy I would say you should go for it, whether it’s as a COTA or OTR. If you’re unsure if occupational therapy is right for you and the economics are a primary concern, choosing between becoming a COTA or OTR may be a tougher decision requiring more careful thought.
If you’re already a COTA contemplating this decision, or have made the jump, I’d love to hear your thoughts in the comments below. What were your biggest deciding factors for or against becoming an OTR?
And if you’re looking for even more information on making the transition from COTA to OTR, be sure to listen to the accompanying podcast on this topic from Seniors Flourish here: Pros and Cons of Transitioning from COTA to OTR