Why do you go to speech therapy?

9 pros of being a speech therapist
Here are nine common pros of pursuing a career as a speech therapist:

  1. Direct patient care
    One of the primary benefits of working as a speech therapist is the ability to work one-on-one with patients. This is a good way to provide specialized care to individuals undergoing speech therapy, as you can learn their different learning patterns and behaviors over time. With direct patient care, you can provide the best service possible to your patients and make a significant different in their verbal communication abilities.
  2. Meaningful work
    Another common benefit of becoming a speech therapist is the rewarding nature of the work. As a speech therapist, you may find yourself working with children and adults who desperately need your services to communicate with the rest of the world. Once you start to see the effects of your hard work as your patients advance, you can feel pride knowing that you’re making a difference in the lives of others.
  3. Career demand
    The field of speech therapy and pathology is constantly growing, as more and more parents begin to identify deficiencies in children’s communication and language abilities earlier on. As a speech therapist, you’re likely to have little to no problem finding a job once you earn all of your qualifications. During times of economic or social uncertainty, knowing that there’s usually demand for your occupation can be a major stress-reliever.
  4. Room for growth
    As a speech therapist, you have room to grow within your career once you enter it as a licensed professional. For example, if you start your career by working as a speech therapist at a school, your next career move may involve working at a hospital or rehabilitation center as a more senior-level speech therapist. This room for growth can provide constant motivation for you as you progress in your career.
  1. Flexible schedule
    If you’re interested in finding a career with a flexible schedule, going into speech therapy may be the best choice for you. As a speech therapist, you can generally choose your hours of operation, especially if you work in your own clinic or practice. Even for those that work at schools or hospitals, the typical hours of a speech therapist follow standard work schedules, meaning you’re likely to have nights and holidays off.
  2. Different work environments
    If you’re the kind of person who values a change in scenery from time to time, pursuing a career in speech therapy may be a good match. Speech therapists often work in different environments, such as hospitals, clinics, rehab centers and schools. If you work as a freelancing speech therapist, different offices may call you in depending on the day, meaning you’re likely to have a constant change of work environment.
  3. Specialization
    Speech therapists also have the ability to pursue a specialization, which is another key benefit of the career. If there are certain elements of the profession that are more attractive to you than others, such as working specifically with infants or people recovering from traumatic brain injury, you have the ability to specialize in the topic of your choice. This can make your career more enjoyable, as you’ll be working specifically in a specialization that you value.
  4. Job security
    Another benefit of working as a speech therapist is that you can enjoy having stable job security. Many speech therapists work under contracts, especially those who work primarily in schools or hospitals. The high demand for speech therapists also makes it so that you can likely find a job with little issues should your employer ever let you go for whatever reason.
  5. High pay
    Perhaps one of the most common benefits of becoming a speech therapist is the ability to earn a high wage. According to Indeed salaries, a speech therapist can make an average of $95,196 per year. This high salary can give you various opportunities to invest in other aspect of your life, such as college funds for children, vacation or paying off student loans.

7 cons of being a speech therapist
Here are seven common cons of being a speech therapist, followed by potential solutions to each:

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  1. Extensive schooling
    One common con of becoming a speech therapist is the extensive education necessary for entering the field. Certified speech therapists usually need a master’s degree in speech pathology along with licensing requirements, which can be costly and time-consuming. Despite this, you can learn a great deal from your time in university and apply all of the curriculum and lessons from your schooling toward your every day career practices as a speech therapist.
  2. Time-consuming
    While one of the common benefits of working as a speech therapist is the flexible schedule, a con is the time-consuming nature of the career. Unlike other professions, speech therapists are unable to stop thinking about work the moment they clock out, as they often have to conduct additional research and fill out paperwork after their shifts. You can overcome this issue by setting aside a specific day or days every week to dedicate to this additional work, so that the rest of the week you can come home and relax after work.
  3. Paperwork
    As a speech therapist, you may find yourself spending a substantial portion of your workdays, and even after work hours, filling out paperwork. This is especially true for speech therapists that work in schools or hospitals, where they must keep specific records of each individual patient and their treatment. A solution to this issue is to work on paperwork throughout your day rather than leaving it all for the end of your shift.
  4. Licensing
    If you want to pursue a career as a speech therapist, it’s important to familiarize yourself with the different licensing requirements for the profession, which can vary by state. Many of these licenses require candidates to pass exams and log extensive clinical hours before being able to earn the credential. While this process can be less than favorable, try to remind yourself of the valuable experience and information you’re gathering from earning this important credential, which brings you one step closer to changing lives as a licensed speech therapist.
  1. High pressure
    Another common drawback of becoming a speech therapist is the high pressure nature of the profession. As a speech therapist, you’re responsible for helping your patients gain verbal skills, which they will use for the rest of their lives to communicate and function in society. To mitigate this con, you can set aside time every day to do a relaxing and fulfilling activity, such as yoga, reading, journaling or meditation, and reflect on the positive and rewarding aspects of your profession whenever you’re feeling stressed.
  2. Conduct issues
    As a speech therapist, you may find yourself spending a significant part of your workdays with children, particularly ones with developmental delays or disorders. It’s common for speech therapists to deal with temper outbursts and general conduct issues, which can be stressful. You can mediate this, however, by informing yourself on the various types of conditions and disorders that affect behavior and learn ways to combat these issues when working with patients, such as exercises or distractions.
  3. Minimal coworker interactions
    If you’re planning on becoming a speech therapist, it’s important to understand that you’ll likely work on your own for a majority of your workday. Speech therapists usually work in one-on-one sessions with their patients, meaning you may have limited time speaking with and building dynamics with your colleagues. One solution to this is to join an online community, such as on social media, where you can connect with other speech therapists and discuss various topics related to your career.

Student Loans in South Africa: How to Apply and What to Expect

For many young South Africans, accessing higher education is a dream that often comes with a financial challenge. Fortunately, several student loan optionsstrong> are available in South Africa to help fund university, college, or TVET studies. Whether you’re looking for a government loan like NSFAS or a private student loan from a bank, understanding the process is essential for success.

What Are Student Loans?

Student loans are a form of financial aid provided to eligible students to help cover tuition fees, books, accommodation, and other study-related expenses. In South Africa, these loans can come from government institutions like NSFAS or private banks such as Nedbank, Standard Bank, FNB, and Absa. Most loans offer repayment flexibility and low-interest options until you graduate.

Types of Student Loans in South Africa

  • NSFAS (National Student Financial Aid Scheme): A government-funded loan/grant program for students from low-income households. Covers tuition, housing, transport, and meals.
  • Bank Student Loans: Offered by most major banks. These are credit-based and require a guardian or parent as a co-signer.
  • Private Loan Providers: Companies like Fundi offer educational loans covering various costs such as school fees, gadgets, and textbooks.

Requirements to Qualify for a Student Loan

Each provider has its own criteria, but most South African student loans require the following:

  • Proof of South African citizenship or permanent residency
  • Proof of registration or acceptance at a recognised tertiary institution
  • Parent or guardian with a stable income to co-sign (for private loans)
  • Completed application form with supporting documents (ID, proof of income, academic records)

How to Apply for a Student Loan

To apply for a student loan in South Africa, follow these steps:

  1. Identify your loan provider: Choose between NSFAS, a bank, or a private lender.
  2. Gather necessary documents: ID copies, academic transcripts, acceptance letters, and income statements.
  3. Complete the application form online or at a branch.
  4. Await approval: Some banks offer instant decisions, while NSFAS can take a few weeks.
  5. Receive disbursement: Funds are typically paid directly to the institution or your account, depending on the lender.

Loan Amounts and Repayment

The loan amount you can receive depends on your chosen lender and financial need:

  • NSFAS: Covers full tuition, residence, books, and a personal allowance. The loan becomes a bursary if you pass all your courses.
  • Banks: Can provide up to R120,000 or more annually, depending on tuition costs and credit history.

Repayment usually starts after graduation or once you start earning an income. Bank loans may require interest-only payments during your studies. NSFAS repayment only begins when you earn above a specific income threshold.

FAQs on Student Loans in South Africa

1. Can I apply for a student loan without a parent or guardian?

For government loans like NSFAS, yes. But most banks require a financially responsible co-signer, especially for students without an income.

2. Is NSFAS a loan or a bursary?

NSFAS starts as a loan, but it converts to a bursary if you meet academic performance requirements. This means you may not have to pay it back.

3. What is the interest rate on student loans?

Private banks offer competitive rates between 5% and 12%, depending on the applicant's credit profile. NSFAS charges a much lower interest rate, usually linked to inflation.

4. What happens if I fail my courses?

If you’re funded by NSFAS and fail, your loan won’t convert into a bursary, and you’ll need to repay the full amount. Banks may continue charging interest, and your co-signer may be held liable.

5. Can I use a student loan to pay for accommodation and laptops?

Yes. Both NSFAS and many bank student loans cover costs beyond tuition, including housing, meals, textbooks, and electronic devices like laptops or tablets.

Final Thoughts

Student loans in South Africa offer a much-needed financial lifeline to thousands of students every year. Whether you're applying through **NSFAS** or a private bank, ensure you understand the **terms, interest rates, and repayment conditions** before signing any agreement. Make informed decisions today to secure your academic and financial future tomorrow.