Optometry school will cost you another $45-55K/year for tuition alone x 4 years. Plus 4 years of living expenses since professional students cannot work during school.
Optometry grads come out of school with around $180K (on average) in student debt not including undergraduate debt.
https://optometriceducation.org/be-smart-about-student-loans/
Then new optometry grad will have business costs in either setting up a new practice or buying the practice of retiring optometrist.
For DPT (Doctorate in Physical Therapy) the average indebtedness for their professional education is between $90K and $180K.
http://www.apta.org/PTinMotion/2017/2/Feature/FinancialLiteracy/
For occupation therapists, the average debt at graduation is $70K (entry level Masters only); higher for OTD.
When making your calculation about paying of your debt, don’t forget to add the cost of you professional education into the mix.