<p>Talk to your parents and tell them what they owe and you owe and that it is highly unlikely that you will be able to pay for their $64K. That your $20K is going to be difficult as it is. That jobs and pay are a huge issue. That you cannot see taking another $27K in loans between you and them, which is what it will cost. Ask them if they can pay what they’ve taken already, and how much more if any? That the money is a huge problem here. </p>
<p>But still, you need to go to work and find a way to do the PT program part time, at least the earlyparts of it. Yes, in our area a PHD is pretty much needed to be a full PT person which is why my son’s SO chose OT which only requires a masters. She just could not swing the money and time for the PT certification. The OT is taking a huge bite out of her finances as it is. </p>
<p>You are not on a level playing field in making these decisions with the $84K loans already on your head, to think of just starting at ground zero, you do understand? But you need to talk to your parents about this. This scares me that you want to make this commitment that requires a restart in that, yes, you could change your mind again. I really think getting any degree from a state school that requires far less in loans and then finding a job and letting yourself look in the working world is a better way to go. </p>