Kada Ku (Too) Tsoron Lamunin Student

Wadatacce

• Mahimman bayanai
• Shiga cikin shirin Ph.D mai rahusa
• Janye makarantar grad
• Biyan farashi don darajar karatun ku
• Shiga cikin aikin sirri

Mahimman bayanai

• Shirye -shiryen digiri na ilimin halin dan Adam na iya barin masu digiri da bashin da ya kai $ 200,000.
• Zaɓuɓɓuka don shirya don bashin rancen ɗalibi mai girma na iya zama yin aiki na ɗan lokaci bayan kammala karatun farko, ko gwada ƙarancin tabo a cikin Ph.D. shirin.
• Shiga cikin aikin masu zaman kansu bayan kammala karatun ku na iya zama mafi kyawun fare don biyan bashin makaranta idan kuna tunanin ƙasa da ma'aikaci.

A cikin post na na ƙarshe, na zayyana wasu ƙalubalen da ke neman ɗaliban da suka kammala karatun digiri a cikin ilimin halin ɗabi'a. Mafi girma daga cikin waɗannan ƙalubalen shine tseren gasa mai ƙarfi don matsayin tsoratarwa a cikin abin da galibi ake kira "kuɗi" Ph.D. matsayi. Waɗannan ɗaliban suna biyan kuɗin karatun da aka rage sosai, amma a kan kashe kashe awoyi marasa adadi suna aiki akan bincike wanda ke da mahimmanci ga mai ba da shawara. Manufar ita ce waɗannan shirye -shiryen an yi niyya ne don samar da masu bincike na asibiti waɗanda ke yin irin aikin da mai ba da shawara. Koyaya, tunda irin waɗannan ayyukan koyarwa sun fi ƙarancin Ph.D. matsayi, babu tabbacin cewa ɗalibai a cikin waɗannan Ph.D. shirye -shiryen zasu ƙare a matsayin masu binciken asibiti kwata -kwata - a zahiri, yawancin su sun ƙare kamar - gasp! - ainihin likitocin.

Shiga cikin shirin Ph.D mai rahusa

Don ɗaukar waɗannan ƙarancin wuraren a cikin ɗimbin ilimin likitancin asibiti Ph.D. shirye -shirye, ɗalibai masu ɗorawa sun fara yin bincike da wallafe -wallafe tun farkon shekarun karatunsu na digiri. Suna yin rajista a cikin shirye -shiryen digiri na tsada mai tsada, babban manufar sa shine haɓaka damar mutum don matsayin digiri. Suna aiki a matsayin mataimakan bincike masu ƙarancin albashi na shekaru. Tabbas, babu ɗayan waɗannan ayyukan da ke ba da tabbacin shiga cikin Ph.D. shirin, kuma duk waɗannan ayyukan sun ƙare da kashe kuɗi. Suna wakiltar abin da masana tattalin arziƙi ke kira “farashin kuɗaɗe,” ko, kuɗin ɗaukar mataki ɗaya akan wani.

Janye makarantar grad

Menene sauran hanyar aiwatarwa? Da kyau, da farko, wataƙila ba don zuwa makarantar sakandare kai tsaye daga matakin farko ba. Wataƙila ku kula da abin da babban masanin halayyar ɗan adam Carl Jung ya ce:

"Duk wanda ke son sanin ilimin halin ɗan adam zai koya kusa da komai daga ilimin gwaji. Zai fi kyau a ba shi shawara ya yi watsi da ainihin kimiyya, ya ajiye rigar malaminsa, ya yi bankwana da karatunsa, ya yi yawo da zuciyar ɗan adam ta duniya. A can cikin firgici na gidajen yari, asuli da mahaukata da asibitoci, a cikin mashaya na birni, cikin gidajen karuwai da caca-jahannama, a cikin salon kyawawan abubuwa, Kasuwancin Kasuwanci, tarurrukan gurguzu, majami'u, tarurrukan farkawa da ƙungiyoyin farin ciki, ta ƙauna da ƙiyayya , ta hanyar gogewar sha’awa ta kowane fanni a cikin jikinsa, zai girbi tarin ilimi fiye da litattafan rubutu da kauri mai kauri zai iya ba shi, kuma zai san yadda za a yi wa marasa lafiya likitanci da ainihin ilimin ruhin ɗan adam. ”

Ba irin shawarar ku ta ilimi ba, na sani. Amma wataƙila fagen ilimin halin ɗabi'a yana buƙatar ƙarancin ɗaliban "A" waɗanda ke da cikakken tsarin karatun vitae da wallafe -wallafe goma sha biyu, kuma wataƙila yana buƙatar ƙarin mutanen da suka taɓa samun wani abu na duniya. Nawa ne masu ilimin halin ɗabi'a na asibiti suka sami horo na asali na soja, ko makarantar 'yan sanda, ko aiki a matsayin LPN a cikin gidan kula da tsofaffi, ko kuma a cikin tsari a asibitin mahaukata? Zan kuskura, bai isa ba. Don haka kar a ji tsoron yin wani abu na gaske tare da rayuwar ku kafin ku ci gaba da ƙarin makaranta. Idan yin hakan yana cutar da damar ku ta shiga cikin Ph.D. shirin, wanda ke faɗi ƙarin game da su fiye da yadda yake game da ku.

Biyan farashi don darajar karatun ku

Madadin na gaba shine la'akari da Psy.D. shirin. (A cikin waɗannan rubuce -rubuce guda biyu akan wannan batun, ban bambanta tsakanin Ph.D. da Psy.D.shirye -shiryen kansu, Ina amfani da "Psy.D." don wakiltar digiri wanda zai buƙaci ku ci bashi da yawa, da "Ph.D." don wakiltar digiri wanda zai buƙaci ku ɗauki ƙaramin bashi.) Bari mu faɗi yanayin mafi munin yanayi ya zama gaskiya kuma kun kammala karatun tare da $ 200,000 a bashin lamunin ɗalibi. Za ku iya biya? Kamar yadda na lura a cikin post na na baya, biyan wannan adadin a cikin shekaru 20 akan ribar kashi 5% zai ƙunshi biyan kuɗi na $ 1,320.00 kowane wata. Wannan abin birgewa ne, musamman idan kuna tunani kamar ma'aikaci, kuma ba a matsayin ɗan kasuwa ba.

Idan burin ku bayan samun digiri na uku a ilimin halin ɗabi'a na asibiti shine samun aiki, ko dai a matsayin mataimakin farfesa ko a Cibiyar Kiwon Lafiya ta VA ko wata hukuma, to, eh, ya fi kyau ku damu da yawan bashin ɗalibin da kuke ɗauka. Kamance ɗaya da Ph.D. da Psy.D. Ayyuka suna da shine cewa basa biyan kuɗi da yawa: Yi tunanin wani wuri a cikin kewayon $ 70,000 zuwa $ 80,000. [Af, Ma'aikatar Ilimi ta Amurka a halin yanzu tana gudanar da wani shiri mai ban mamaki inda za su biya bashin ɗalibin ku bayan shekaru 10 na biyan kuɗin ku, idan kuna aiki da hukumar tarayya ko ta jiha, kamar Ma'aikatar Tsohon Soji, ko hukumar kula da lafiyar kwakwalwa ta jihar.] Na san cewa albashin yana da kamar da yawa ga yawancin mutane, amma ba haka bane idan kuna da babban biyan bashin ɗalibi kowane wata.

Shiga cikin aikin sirri

Don haka ta yaya za ku iya samun babban darajar kuɗi kuma ku guji farashin dama na shirin maigidan, taimakon bincike, da sauransu? Shiga cikin aikin sirri bayan kammala karatun, inda zaku tantance nawa kuke samu. Gudun aiki na sirri ba ya bambanta da gudanar da kowane ƙaramin kasuwanci: Dole ne ku yi lissafin kuɗin shiga da na kuɗaɗe. Tunanin biyan bashin ɗalibin ku azaman kuɗin kasuwanci na iya sanya wannan babban adadi $ 200,000 a cikin mafi kyawun hangen nesa. Bari mu ce kuna kashe $ 1,200.00/watan akan haya, kayan aiki, da haskaka/dumama ofis. Inshorar rashin aikin yi da ci gaba da samun ilimi da kuɗin lasisi za su kashe kusan $ 2,500 a shekara (ko $ 208 a wata). Ƙara waya da sauran farashi dabam dabam na $ 192 kowace wata. Inshorar lafiyar mutum na kusan $ 456 a wata. Kuma, ba shakka, waccan kuɗin ɗalibin ya biya $ 1,320 a wata. Duk an gaya, wannan shine $ 2,057 a cikin kashe kuɗi ko $ 24,684.00 a shekara.

Yanzu bari mu dubi kudaden shiga. Bari mu ƙwace waɗannan, don kawai mu kasance masu ra'ayin mazan jiya. Bari mu ce kuna ganin marasa lafiya shida a rana, kwana biyar a mako. Kuna ɗaukar inshora, kuma bari mu ce kuna samun ƙimar da ba ta da kyau ta $ 80 a kowane zaman minti 45. Wannan shine marasa lafiya 30 a mako x $ 80 = $ 2,400 a mako. Haɗa waɗannan lokutan makonni 50 kuma babban adadin kuɗin ku na shekara shine $ 120,000 a shekara. Cire $ 25,000 a cikin kashe kuɗi (wanda ya haɗa da biyan bashin ɗalibin ku), kuma kuna da kuɗin shiga na farko na $ 95,000. Cire kuɗin harajin aikin kai na 15.3% (wanda ya haɗa da biyan kuɗin ku ga Medicare da Tsaro na Jama'a) kuma kuna kan $ 80,465, wanda ba kawai samun kuɗi mai daɗi bane amma kuma mafi kyau fiye da yawancin furofesoshi mataimaka da mafi yawan masana ilimin halin kwakwalwa na asibiti waɗanda hukumomi ke aiki.

Kuma ku tuna cewa waɗannan ƙididdigar an samo su ne daga ƙarancin kuɗin shiga ku. Bari mu ce kuna ƙara maraice biyu a mako, ganin ƙarin marasa lafiya shida a waɗannan lokutan. Wannan zai haɓaka jimlar kuɗin ku zuwa $ 144,000 a shekara. Bari mu ce kuna ganin marasa lafiya bakwai a rana, kwana huɗu a mako, kuma a ranar Jumma'a kuna yin jarabawar rashin lafiyar Social Security (biyu suna buƙatar gwajin WAIS-IV da biyu masu buƙatar Matsayin Hankali kawai). Wannan Juma'ar na iya shigowa da ɗan kuɗi sama da dala dubu (dole ne ku ga kusan marasa lafiya 13 don samun adadin daidai). Kuma idan inshorar da kuke ɗauka ta biya $ 86 maimakon $ 80? A karkashin yanayin asali na ganin marasa lafiya shida kawai a rana, wannan yana nufin ƙarin $ 9,000 a shekara.

Nisan tafiyarku na iya bambanta, ba shakka. Amma ina ba da shawarar cewa abin da zai haifar da babban bambanci a cikin sakamako shine halin kasuwancin ku ko rashin sa. Wasu mutane ba su gamsu da haɗarin da alhakin gudanar da aikin nasu na sirri ba. Za su fi son yin musayar ƙarin lada (kamar ƙara kuɗin shiga da cin gashin kai) don abin da ke kama da tsaro da kwanciyar hankali. A kowane hali, idan aikin sirri shine babban burin ku, kar ku ba da tabbaci ga furofesoshi (ba 'yan kasuwa ba) waɗanda ke gaya muku cewa "babu wanda zai iya ɗaukar $ 200,000 a cikin lamunin lamunin ɗalibi."