If you are sure of your interest in OT, one way to save money is to consider direct admit BS/MS OT programs, thereby shortening the program from 6 years or more to only 5 years and saving a year or more of tuition. Unfortunately such programs are very limited in the Southeast where the only school of the type you’re looking for with the OT BS/MS is Shenandoah University (VA). The only other two colleges of any type with OT BS/MS in the Southeast are James Madison (VA) and Alabama-Birmingham. If you were willing to stretch your geography north a little bit into Pennsylvania, you might consider colleges like Alvernia or Elizabethtown.