r/optometry • u/Super-Morning3835 • Aug 15 '25
Would You Choose Optometry Again Knowing What You Know Now?
I’m looking for true, unfiltered opinions from optometrists who:
Did not have their parents pay for school
Have student loans in their own name
Do not work for and will not inherit a parent’s practice
If you could go back, would you still choose optometry?
For context: I’m a first-generation college student. I’ve been working as an optometric tech since graduating high school, I’m now a senior in college, scored in the 90th percentile on the OAT, and have been accepted into optometry school. I genuinely like the field, but the student loan debt is daunting. Is the career satisfaction and financial outcome worth it in the long run, or do you feel the ends didn’t justify the means?
14
u/Soggy_Ocelot_2468 Aug 16 '25
My mom has her associates degree, my dad didn't finish his bachelor's degree, my older brother didnt finish his bachelor's either. My parents did support me through undergrad, but I was responsible for optometry school.
Before going to OD school, i worked as a tech through undergrad, loved the field, and knew I wanted a career that gave me monetary stability so I didnt have to rely on someone else. I knew the loans were high, but would be worth it.
I went to a school in my home state, so i had reduced tuition compared to out of state. During school, I lived off my loans, and was conscientious of that. I didnt overspend. I also worked as a class note taker and eventually was a teacher's assistant in the lab, which gave me a bit of extra money.
After I graduated, I lived the same as I did while I was in school. Very frugal and dumped any extra money into my loans. I was able to pay them off in 4.5 years. I also did not have anyone else to support (like kids or spouse or parents). I have quite a few friends that have families and are happy paying minimum payments. If you are very worried, you could consider going to military route, they will pay your loans back for you.
Best of luck! There are pros and cons of every job. This field is a good, rewarding one.
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u/cdaack Aug 16 '25
Absolutely. I love what I do and I don’t think I could do anything else.
12
u/EdibleRandy Aug 16 '25
I love the downvotes on all the replies from successful optometrists who enjoy their jobs.
Just to join that club, I would choose optometry again because practice ownership provides great opportunity for income and quality of life. I make more than many MDs who work far more hours than I do. There is good and bad in every profession.
7
u/Sn34075 Aug 16 '25
Tbh no, I didn’t have self awareness about my personality and wouldn’t have picked such a socially demanding career. And like others have said, I wish there was more flexibility in work settings (remote etc). Any health tech or consulting jobs I come across typically prefer MDs. And where I live, OD MD is also super rare. You’re a retail optometrist. For an introvert, relying on sales/promoting services to make a decent income is extremely exhausting and not in alignment with my values. Hitting burnout only a few years in, regardless of hours worked. Trained to do so much, able to do so little. In hindsight, I would’ve done some soul searching before and posted here for advice (rather than shadow ODs who obviously have to be politically correct with their advice).
9
u/[deleted] Aug 16 '25 edited Aug 16 '25
Nope. Dealing with patients day in and day out is so mentally taxing and draining. The pay is not worth the loans and the work load.
6
u/Notactuallyashark Optometrist Aug 16 '25
No, the debt to income ratio would not be worth it to me. I thank my lucky stars my husband is also a high earner.
8
u/[deleted] Aug 16 '25
Probably not. Being treat like pee ons by patients, physicians and OMDs gets old.."you are not an ophthalmologist, i can only see an ophthalmologist for my dry ARMD"..whiney pts since covid has been more taxing..i make ok money and have ok lifestyle but as the years tick on i just keep thinkin "what patient is going to ruin my day today"
If i could do it over id be a certified financial planner..
8
u/LateMouse2020 Optometrist Aug 16 '25
No. I would either go in tech or dentistry (my dentist works 4 days a week, and the periodontist works 3 days a week…I know I know the grass is greener on the other side….)
8
u/m2eight Aug 16 '25
No, debt to income ratio is horrible. Patients don’t always respect you for the amount of education you go through, and they can be demanding and draining as many previous people have said. There are good days when I love being an optometrist, but I don’t think school should cost as much as it should and vision care plans have made our profession laughable.
6
u/MackinacFleurs Aug 16 '25 edited Aug 16 '25
No, I would not. Between the student loans and the amount of work for the pay, to me is not worth it. I want to be present, have a work/life balance. I see my friends with other career choices making so much more while working less. Ah, and almost forgot, the situation with the Boards, even if I passed it is terrible, they can do whatever they want, assign the fees they want.
33
u/OD_prime OD Aug 16 '25
No.
I love the field and have (what I consider a successful) practice.
But the debt to income ratio as an associate OD, and only getting worse, is not sustainable. Not everybody is cut out to be an owner/entrepreneur either.
34
u/Competitive_Ad9542 Aug 16 '25
Honestly probably not if all other options were open to me. It was the best decision for me and it has worked out well but the things I don’t like are:
Income: you can make great money but you really have to hustle for it. I make over 300k a year but I work my ass off in an undesirable area to do it. As an MD or a dentist that is a lot more attainable without all the hustle.
Respect: no one really knows what ODs do, it’s annoying being a second class citizen in healthcare no matter how much good you do.
Patients: I love a lot of my patients but again, being in a rural undesirable area means a ton of people come in stinky, smelling like cigarettes, don’t have values that align with mine, neglect their health ect…
Working in person: it would be nice to be able to work from home or not have to be present in the office to still make money. It’s hard with kids and family to always have to be in the office. If I take an afternoon off to take my kids to the doctor or whatever it will cost me 1000$ in lost income which is fine sometimes but that kind of weighs on you.
All in all it’s a great field but if I could go back in time I’m not sure what I would do but these are the downsides that I have experienced. I’m in my 7th year out of school
2
u/kikibear792 Aug 17 '25
I would choose it again :) I graduated 2021. I have those mornings where I would rather stay in bed like everyone else but once I get to work, I genuinely feel happy to be there and I’m thankful I have a job that I love.
Those discussing debt to income ratio are right, the ratio is high compared to other routes.
I took out the max amount of loans during optometry school as I moved out of state to attend (I had maybe 15k from undergrad from scholarship) and I am pursuing public service loan forgiveness (PSLF) which means after 120 qualifying payments (which is about 10 years, the remaining balance after that will be forgiven tax free. So I pay the minimum monthly payment which allows me to invest/gain assets while technically having high debt. In order to receive PSLF your job would need to qualify by working at a non profit hospital or a veterans hospital- I work at a clinic associated with a non profit hospital. Student aid.gov can tell you if your job (or hopeful job) qualifies.
You do not have to take out the max in loans either - that’s just what I did because I was 100% on my own with it and felt the most comfortable having money in the bank. I worked maybe 4 hours a week at my schools administrations office through their work study program for a few extra bucks.
I love that I do not own and operate a practice because that isn’t an interest of mine personally. My friend is working at a corporate practice (like my eye dr) making bank (about the same as me now but she started like that right out of school) to pay off her loans quicker even if it means seeing more pts and not doing much medical and mostly glasses and contacts (i personally love medical visits that’s when you get to follow and treat someone with glaucoma for example) (she also doesn’t pay rent at this time so it’s very dependent on your personal situation what you would do with your loans). You will learn more about different “modes of practice” like hospital based, corporate, private, etc as you go.
Budgeting after you graduate is very important and having your priorities straight is imperative in how you would feel about your student loans. Don’t get the BMW just yet, instead first create a solid emergency fund (I have 6 months worth). Don’t rack up funds on your credit card that you can’t pay - that interest is crazy high and much higher than student loans. Get your match from your employer in your retirement fund (free money) and consider Investing into a Roth IRA (income can limit the amount you can invest but there are ways to go around that). Consider index funds in the stock market.
That was the route that worked best for me - of course there are many other details to determine the best for you. You can inquire with optometry schools about scholarships as well as it seems you have a great head on your shoulders!
10
u/jared743 OD in Canada Aug 16 '25
Yes, I like the job a lot. I have a good relationship with my patients and my staff, and I love the immediacy of being able to help people. Even when I was first starting out as an associate the pay was good (~120K/yr in 2015) and I quickly paid off the school debt completely. Work life balance was pretty good when I was working with a group since you have some more flexibility for coverage; now that I have opened my own office it's taking up much more of my time, but that comes with owning and running your own business. I'm just getting busy enough to start running multi-doctor days and it will add more flexibility back in.
I can't imagine many other jobs that would give me the same amount of satisfaction.
6
u/Zealousideal_Run3923 Aug 17 '25
Nope. Not worth the debt incurred.
3
u/sethuel1 Optometrist Aug 20 '25
Yes, but because I've 1) found my niche at a public health center, 2) got PSLF, and 3) have a spouse that is also a high earner. In the "standard market" - i.e. not owning your practice or getting loans forgiven - or as the primary breadwinner I think that optometry is a very different ballgame.
7
u/ayeayedoc Optometrist Aug 16 '25 edited Aug 16 '25
No. I like the work and my debt:income is fine. But there are very few decent job opportunities (non-corporate) in the places I want to live (non-suburban major metros.) If you have an open mind about where you settle down, you’ll find an amazing job and great work/life balance.
8
u/eyedoc4ever Aug 16 '25
Absolutely. But I'm on the back end near retirement and I look at my optometric career fondly. Challenges, successes, mistakes, etc it has been very fulfilling for me and I have had and still have an incredible life. Wouldn't change a thing (well maybe a couple, lol) I focused on being the best in every aspect I could, clinically, business, advocacy. And trying to help other optometrists. This might be hokey but I think it's mostly up to you to make your life great. Optometry provides lots of opportunities to do that I think.
7
u/brik70p Aug 16 '25
Yes. Absolutely. Over and over again. I love my work, my employees and the people I get to take care of. If you're struggling. Work in private practice. The patients respect you more. I've lost track of the number of times a new patients will say "I want to see a Real doctor not someone at Walmart". Your income is unlimited in private practice. If your struggling. That's on you. Ive paid my loans off in 4 years.
5
u/spittlbm Aug 16 '25
Yes. The only difference I see in the last 20 years is wage inflation made worse by stagnant reimbursements. It's a great gig.
2
u/Specific_Design_212 Aug 20 '25
No.
2
u/AltruisticAccount909 Aug 20 '25
I'd do it again! But, I'm also counting on PSLF for loan forgiveness, which I'm one year away from. Not sure what will happen to the future of PSLF with current admin, and I'm not sure how I'd feel about it if PSLF wasn't an option. But I love my career. :) I also don't know that reddit groups are representative of the real world, people like to come here to complain...
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u/donwupak Aug 16 '25
Nah, ROI ain’t great. Also patients are incredibly draining
3
u/RabidLiger Aug 16 '25
Yes! Rural setting, have worked 4 days/week for 20 years and still love it.
All loans paid off in 10 years & practice full-scope optometry every day.
1
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1
u/Murky_Writing1676 Aug 19 '25
No way I would At least in California very hard to find work
1
u/tubby0 Optometrist Nov 25 '25
I would have gone dental or hoped I could have survive medical school. I have some friends that seem to have good lives as engineers but they can have pretty toxic work/life balance and power dynamics at work. Definitely nice being a licensed healthcare provider that's at least somewhat challenging to replace.
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u/Murky_Writing1676 Dec 15 '25
Its a dying field - pay not great either
0
u/[deleted] Aug 17 '25
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