Looks like you've been given some very good advice here. Doesn't always happen on LetsRun. Your original post was sent to me by a friend of mine and suggested I chime in on this. It seems that you have some options for work, and you've gotten some nice feedback, and I was wanting to provide you some more clarity, if possible. I have been a PT for over 30 years. Graduated PT school in 1994. Spent a majority of my time as a clinical guy in the military. Great experience, worked with great people, and had tremendous freedom of practice. So my perspective on some of the clinical areas, working in civilian practice, dealing with insurance, and reimbursements won't be helpful to you. However, I now work in academia, and work at well established program on faculty for the past 7 years. As a person who annually looks at applications for physical therapy school, this might help you.
1. There are A LOT of schools out there. I would argue there are too many. Many of them are expensive. My first suggestion is to look at state schools, not private, and start researching what tuition costs. There will be a wide variety of costs, and other fees/dues that you will be expected to pay. The school I work for is EXPENSIVE. You do not need to go to the most expensive school to get a solid foundation. I have encouraged more than one student on interview day, when I've discovered that they've gotten into other programs, closer to home, and more reasonably priced, to strongly consider that school. Do not take the debt lightly; I graduated with nearly 95K in student loans. I paid them off in just about 14-15 years.
2. Any school you are interested in, find out when it was accredited (so it's recognized by the national chapter for physical therapy). This will tell you how long the program has been established. This should easily be found on their main website/organizational chart. This will also demonstrate the stability in the program, the stability of the faculty, and that it's not been off/on probation a number of times.
3. What are your interests. Often times, the sexy and glamorous positions when it comes to PT, "sports medicine" and "movement specialist" are what attract people. I would encourage you to be aware that those positions are hard to get into. This is just my opinion, as an experienced PT, as well as an academic. Think about where the majority of our population is now, with regards to age. There are going to be LOTS of jobs in the geriatric population, and there is typically HIGH demand (which means more money) for this area, but people are not often drawn to them.
4. PT, like many fields, also allows the individual to chart their own path. There are many different areas of our field that draw people to it. There are disciplines in pediatrics, oncology, spinal cord injured, amputee care.....you name it. Many people are hooked on branding themselves, but I would encourage you, if you do attend school, to get the basic fundamental skills DOWN, and then go off and do great things.
5. You mentioned 5 years to complete your degree. With the exception of going back and completing any necessary pre-requisites, you're looking at 2.5-3.0 years of school. Again, do your research. The more you're on campus, or enrolled, the cost will climb.
6. There are other options to consider for school and pay; the US Public Health Service and the military offer programs to help pay, or will cover school. The U.S. Army/Baylor DPT Program, in San Antonio, Texas, will commission you in the US Army, Navy or Air Force, you'll attend school, and then be stationed at a variety of locations in the US or overseas. Of course, there is a military obligation to this, but you will be getting paid while in school, there are great training opportunities, and the freedom of practice in any of these settings is great. Main issue is this school is small, taking only 20-30 students a cycle. It's very competitive. Most programs in the country will take upwards of 50-70 students in a cohort. Our applicant pool at my school is very large. We will typically interview 300-350 students to fill 70 seats. Doesn't seem like a lot, but we review a lot more applications. We've had people with a variety of backgrounds in our program: previous careers (law, acting, dance), English majors, biomedical engineers, hard science......
Sorry this was so long......just giving you things to consider on the PT side of things. Good luck.