Is an MFT Degree Worth It for 2025?

Co-Founder and Chief Data Scientist

Deciding to pursue a Master’s in Marriage and Family Therapy (MFT) is a big step—one that comes with financial, emotional, and professional considerations. While the degree can open doors to a rewarding career helping individuals, couples, and families navigate life’s challenges, many prospective students find themselves asking: Is an MFT degree really worth it?

In this guide, we will discuss everything you need to know about an MFT degree, including career prospects, costs, and job stability. We will also include the salaries you can expect and the alternative career paths in this field. By the end, you will have a clear, expert-backed understanding of whether an MFT degree aligns with your professional and personal goals.

Key things you should know about getting a degree in marriage and family therapy:

The main role of marriage and family therapists is to diagnose and treat cognitive, behavioral, or similar disorders of couples and other relationships.
Becoming a licensed MFT requires a master’s degree, supervised clinical hours, and passing a state licensure exam.
The median salary for MFTs is around $58,510 per year, but earnings vary based on location, specialization, and experience.

How do you obtain a marriage and family therapy degree?
How is an MFT degree different from a psychology or social work degree?
How long does it take to become a licensed MFT?
What types of courses do you take in a Marriage and Family Therapy program?
How do I choose the right MFT graduate program?
What jobs can you get with a master's in marriage and family therapy?
What scholarships and financial aid options exist for MFT students?
How much do MFT graduates make on average?
Is an MFT degree worth it for job prospects and career growth?
What are the biggest challenges of being a marriage and family therapist?
How can I enhance my professional development as an MFT?
Can integrating faith-based perspectives enhance my MFT practice?
How can pursuing a doctoral degree complement my MFT practice?
Can engaging in research further advance my therapeutic practice?
How can I evaluate the return on investment of an MFT degree?
How can I build cultural competence in my MFT practice?
Can pursuing an accelerated psychology degree enhance my MFT practice?
Other things you should know about getting an MFT degree

How do you obtain a marriage and family therapy degree?

Earning an MFT degree involves several key steps, from education to licensure. Here’s a step-by-step guide:

Earn a Bachelor’s Degree – A bachelor’s degree is required to enter an MFT master’s program, but your major can vary. Degrees in psychology, social work, or counseling can provide a strong foundation. If you are considering a career in addiction counseling, you may also want to explore how to become a substance abuse counselor, as the educational paths share similarities.
Complete a Master’s Program in Marriage and Family Therapy – Enroll in an accredited MFT program (COAMFTE or CACREP) that takes 2–3 years to complete. Coursework covers counseling techniques, family systems, ethics, and clinical practice and exploring the cheapest CACREP-accredited programs online can provide a high-quality education in counseling without breaking the bank.
Gain Supervised Clinical Experience – Most programs require at least 500 hours of supervised therapy work before graduation. This hands-on training helps develop essential counseling skills.
Pass the Licensing Exam – After earning your degree, you must pass the National MFT Exam or a state-specific test. This ensures you meet the professional standards for practicing as an MFT.
Complete Postgraduate Supervised Hours – Most states require 2,000–4,000 hours of supervised clinical work before granting full licensure. This process typically takes 2–4 years post-graduation.
Apply for State Licensure – Once you've completed your supervised hours and passed the exam, you can apply for LMFT (Licensed Marriage and Family Therapist) status. Each state has its own requirements, so be sure to check your state’s licensing board.
Consider Additional Certifications or Specializations – Optional certifications in trauma therapy, addiction counseling, or child and adolescent therapy can expand your career opportunities. For those interested in further advancing their career, pursuing online PsyD programs accredited by recognized bodies can provide the flexibility needed to specialize while continuing to work in the field. Those exploring career options in education and mental health might also look into the requirements to be a school counselor, as both professions involve supporting individuals' emotional and psychological well-being.

How is an MFT degree different from a psychology or social work degree?

If you are considering a career in mental health, you may be wondering whether an MFT, psychology, or social work degree is the best fit. While all three prepare you to help individuals and families, they differ in focus, treatment approach, career paths, and education requirements.

Focus of Practice – An MFT degree specializes in relationships, family systems, and couples counseling, while psychology focuses on diagnosing and treating individual mental health disorders, and social work addresses broader societal and systemic issues.
Treatment Approach – MFTs use a systemic therapy model, viewing issues within relational contexts, whereas psychologists often use individual therapy and assessment methods, and social workers integrate case management, advocacy, and therapy.
Licensure and Career Paths – MFT graduates become Licensed Marriage and Family Therapists (LMFTs), psychologists can become clinical psychologists (PhD/PsyD) or licensed counselors (LPCs), and social workers typically pursue Licensed Clinical Social Worker (LCSW) credentials.
Work Settings – MFTs often work in private practice, mental health clinics, or family therapy centers, while psychologists are found in hospitals, research, or private practice, and social workers work in schools, government agencies, and healthcare systems. Professionals seeking opportunities in real estate development or finance might be interested in where can you get a master’s in real estate online, as this field intersects with counseling in areas like property management for vulnerable populations.

How long does it take to become a licensed MFT?

The total time from starting an MFT program to full licensure can range from six to eight years, depending on the student’s pace and state regulations. Before you can obtain a master’s degree in MFT, you need to complete a bachelor’s degree which usually takes four years. Earning a Master’s in Marriage and Family Therapy (MFT) typically takes two to three years of full-time study. In addition to coursework, students must complete at least 500 hours of supervised clinical training as part of their degree requirements. Some programs offer accelerated options that can be completed in as little as 18 to 24 months, while part-time students may take four to five years to finish.

After earning the degree, graduates must complete postgraduate supervised experience before becoming fully licensed, which can take an additional 2 to 4 years depending on state requirements. This involves 2,000 to 4,000 hours of supervised clinical work under a licensed professional. While graduates can work in certain settings with a provisional license, they must pass the National MFT Exam or a state-specific licensing exam before becoming fully licensed MFT.

For those considering specializing in healthcare-related mental health services, women’s health nurse practitioner online programs may provide another pathway to addressing the psychological and emotional needs of patients in medical settings.

It takes 6 to 8 years to become a licensed MFT..png

What types of courses do you take in a Marriage and Family Therapy program?

An MFT program combines theoretical knowledge with hands-on clinical training to prepare students for working with individuals, couples, and families. Coursework focuses on counseling techniques, psychological theories, ethics, and specialized therapy models that emphasize relational dynamics and mental health treatment. Here are some examples:

Theories of Marriage and Family Therapy – This course explores foundational therapy models, such as systems theory, cognitive-behavioral therapy (CBT), and narrative therapy. Students learn how to apply these frameworks to assess and treat relationship and family issues.
Human Development and Lifespan Psychology – Covers psychological, social, and emotional development from childhood to adulthood. It examines how family dynamics, trauma, and life transitions impact mental health.
Clinical Assessment and Diagnosis – Teaches students how to assess and diagnose mental health disorders using the DSM-5. The course emphasizes understanding symptoms within the context of relationships and family systems.
Ethics and Professional Issues in MFT – Reviews legal and ethical standards, confidentiality laws, and cultural competency in therapy. Students learn how to navigate ethical dilemmas and professional responsibilities as future therapists.
Practicum and Supervised Clinical Training – Provides hands-on experience through 500+ hours of supervised therapy sessions with real clients. This course helps students develop essential counseling techniques in clinical, hospital, or private practice settings.

How do I choose the right MFT graduate program?

Selecting the right Marriage and Family Therapy (MFT) graduate program is a critical decision that can impact your career trajectory. Factors like accreditation, faculty expertise, clinical training opportunities, and program flexibility should all be considered when making your choice.

Accreditation – Look for programs accredited by COAMFTE (Commission on Accreditation for Marriage and Family Therapy Education) or CACREP (Council for Accreditation of Counseling and Related Educational Programs). Accreditation ensures the program meets high standards and prepares you for licensure.
Curriculum and Specializations – Choose a program that offers a curriculum aligned with your career goals, whether that’s couples therapy, child therapy, or trauma counseling. Some programs also offer unique specializations or certificate opportunities that could enhance your skills.
Clinical Training Opportunities – Ensure the program provides substantial supervised clinical hours (typically 500+) in real-world settings. This hands-on training is essential for gaining practical experience and meeting licensing requirements.
Faculty Expertise – Research the faculty's qualifications and experience in the MFT field. Professors with expertise in your areas of interest can provide invaluable mentorship and guidance throughout your studies.
Location and Flexibility – Consider factors like geographic location, program format (online or in-person), and whether the program offers part-time or evening classes if you need flexibility to balance work or personal commitments. You may also want to explore accredited self-paced online colleges, which allow you to progress through coursework at your own pace while maintaining a flexible schedule that works around your other obligations.

What jobs can you get with a master's in marriage and family therapy?

With a master’s degree in MFT, you have access to a wide range of career opportunities in mental health, counseling, and therapy. These roles involve working with individuals, couples, and families to address emotional, psychological, and relational challenges. Here are some of examples of the common jobs you can get with a degree in MFT:

Marriage and Family Therapist – As a licensed therapist, you can provide individual, couples, and family counseling in private practice, mental health clinics, or hospitals. You’ll help clients address issues like relationship conflicts, addiction, trauma, and communication problems. The average salary for this occupation is $58,510.
Clinical Supervisor or Program Director – With additional experience, MFTs can move into supervisory roles, overseeing junior therapists or managing therapy programs at mental health facilities or community organizations. The average salary for this occupation is $110,680.
School Counselor – Many MFT graduates work in schools to provide counseling services for students, especially in addressing family issues, bullying, or academic stress. They can also offer workshops on mental health and relationship skills. The average salary for this occupation is $61,710.
Substance Abuse Counselor – MFTs can specialize in addiction therapy, helping individuals and families dealing with substance abuse and recovery. They often work in rehabilitation centers or outpatient programs. If you are interested in this path, understanding how to become a substance abuse counselor can provide a clear pathway, as it combines MFT training with specialized techniques to support individuals in their recovery journey. The average salary for this occupation is $53,710.
Rehabilitation Counselor – In this role, MFTs work with individuals recovering from physical injuries, disabilities, or trauma. They provide therapy and emotional support to help clients adjust to changes in their lives and reintegrate into society. The average salary for this occupation is $61,710.

These positions allow MFTs to address a wide range of client concerns, including relationship issues, addiction, mental health challenges, and life adjustments. As job responsibilities and settings vary, so do salary expectations, with each role offering unique compensation based on experience, location, and specialization. The chart below shows the varying salaries for these positions.

What scholarships and financial aid options exist for MFT students?

MFT students can explore several scholarships and financial aid options to help fund their education. These options include government-funded programs, private scholarships, and school-based aid.

Federal Student Aid (FAFSA): By filling out the Free Application for Federal Student Aid (FAFSA), students can qualify for federal loans, grants, and work-study programs to help cover tuition costs.
State and Institutional Scholarships: Many states and universities offer scholarships specifically for students pursuing degrees in mental health and counseling fields. These can be based on merit, financial need, or a commitment to working in underserved areas.
Professional Association Scholarships: Organizations such as the American Association for Marriage and Family Therapy (AAMFT) offer scholarships and fellowships to students in MFT programs, often requiring an essay or demonstrated commitment to the field.
Private Scholarships and Grants: Private organizations, foundations, and community groups may offer scholarships or grants to MFT students based on various criteria like academic achievement, career goals, or demographic background.
Employer Tuition Assistance: Some employers provide tuition assistance for employees pursuing advanced degrees. It's worth checking with your current or future employer to see if they offer this benefit.

How much do MFT graduates make on average?

The average salary for an MFT graduate can vary significantly based on location, experience, and work setting. Across the U.S., the median annual salary for MFTs is generally around $58,510. However, salaries can be much higher in certain states where the demand for mental health professionals is greater or where the cost of living is higher. For example, MFTs in Washington, which has the highest demand for therapists, often earn around $96,277 per year on average, while those in New York can expect to make around $92,999 annually. Other states with higher-than-average salaries for MFTs include Massachusetts ($92,837), Alaska ($91,546), and Vermont ($90,382).

The variations in salary are also influenced by factors like specialization, experience, and setting. MFTs working in private practice or specialized therapy fields, such as trauma or addiction counseling, may earn more than those in community mental health centers or educational settings. The chart below illustrates the salary ranges for MFTs in the top five states, showcasing the impact of location and experience on earnings. The chart below shows the states with the highest MFT salaries:

Is an MFT degree worth it for job prospects and career growth?

Yes, an MFT degree is highly valuable for job prospects and career growth, especially in today’s growing mental health field. The job outlook for marriage and family therapists is exceptionally strong, with the U.S. Bureau of Labor Statistics projecting a 16% growth in employment for MFTs from 2023 to 2033, much faster than the average for all occupations. This growth is driven by increasing awareness of mental health issues, a growing demand for therapy services, and more individuals seeking relationship counseling, family therapy, and mental health support.

The demand for MFTs is also expected to rise due to the ongoing need for mental health services in diverse settings like private practice, hospitals, schools, and community centers. Furthermore, with an MFT degree, you have the flexibility to specialize in areas such as couples therapy, addiction counseling, or child therapy, providing you with opportunities for career advancement and job security. As mental health needs continue to increase, the potential for career growth and diverse job opportunities in this field remains strong. Additionally, students may consider medical certificate programs to complement their training, expanding their knowledge in areas such as healthcare counseling or mental health treatment in medical environments.

The demand for MFTs is expected to grow by 16%..png

What are the biggest challenges of being a marriage and family therapist?

While being an MFT can be incredibly rewarding, there are several challenges that professionals in this field often face. This might include the following:

Emotional and Mental Fatigue: Constantly hearing about clients' emotional struggles, relationship issues, or traumatic experiences can lead to burnout and compassion fatigue. MFTs must develop strong self-care routines to avoid emotional exhaustion. Additionally, exploring cognitive psychology careers or related fields may provide insights into different therapeutic approaches that can help prevent burnout and improve emotional resilience in the workplace.
Dealing with Resistance: Many clients come to therapy with resistance, particularly when dealing with difficult emotions or reluctant partners. Motivating clients to engage in the therapeutic process and work through challenges can be a significant hurdle.
Managing Complex Family Dynamics: Family therapy often involves multiple individuals with conflicting viewpoints, emotions, and needs. Navigating these complex family dynamics while maintaining neutrality and helping each member feel heard can be incredibly challenging.
Client Confidentiality and Ethical Dilemmas: MFTs must adhere to strict ethical guidelines, maintaining client confidentiality while also dealing with situations that may involve legal concerns, such as child abuse or threats of harm. Balancing ethical responsibilities can sometimes be a difficult task.
Work-Life Balance: Many MFTs work in private practice or take on large caseloads in clinical settings, which can lead to long hours and difficulty in maintaining a healthy work-life balance. This is especially true for those running their own practice, as business responsibilities add to the workload.

Here’s what graduates have to say about their MFT degrees

"Studying for my MFT degree was both challenging and rewarding. The in-depth understanding I gained of family systems and therapeutic techniques has truly shaped my ability to help others. The personal growth I experienced during the program gave me the confidence to work with diverse clients and face difficult situations with a strong sense of purpose." – Juliet

"What I loved most about my MFT program was the hands-on clinical training. The real-world experience of working with clients during my internship gave me the skills and knowledge to feel prepared when I entered the field. It was amazing to see the positive impact I could make on people's relationships and mental well-being." – Viktor

"The MFT program was a transformative journey that not only prepared me to work in a high-demand field but also deeply changed my perspective on personal relationships. I’ve learned how to be more empathetic and patient, both in my professional and personal life. The ability to help families heal and grow is incredibly fulfilling." – Mira

How can I enhance my professional development as an MFT?

To advance your practice and expertise, consider engaging in targeted continuing education and advanced certifications that focus on innovative therapy models and specialized treatment areas. Joining professional associations and mentorship programs can also provide critical networking opportunities, collaborative case discussions, and leadership training. Additionally, leveraging comprehensive career resources—such as how to become a family therapist—can guide you in securing practical, hands-on experiences and research opportunities that further solidify your professional credibility.

Can integrating faith-based perspectives enhance my MFT practice?

For practitioners seeking to broaden their therapeutic approaches, incorporating faith-based methodologies can offer a complementary dimension to conventional clinical practices. Exploring specialized credentials, such as Christian counseling grad degree, may provide targeted strategies that integrate spiritual values with evidence-based treatment. This approach can effectively address the needs of clients who prioritize spirituality in their healing process while expanding service offerings to diverse populations.

Should I Consider an Online MFT Program?

Online MFT programs are increasingly recognized for providing comprehensive training that meets accreditation requirements and supports modern clinical practice. These programs integrate advanced theoretical instruction with practical clinical supervision—often through established partnerships with local organizations—to ensure students gain real-world experience. The flexibility offered by online formats can enable working professionals to balance academic and personal commitments without compromising the quality of their education. Prospective students should evaluate programs based on faculty expertise, clinical placement support, and cost-effectiveness. In this context, researching online masters degree programs in family therapy provides a detailed comparison of affordability, curriculum rigor, and licensure preparation.

How can pursuing a doctoral degree complement my MFT practice?

Doctoral studies offer an avenue to deepen clinical expertise through advanced coursework and research, which can refine therapeutic interventions and enhance evidence-based practices. Integrating doctoral-level education with an MFT background promotes critical analysis of treatment outcomes and equips practitioners with innovative methodologies to address complex clinical challenges. Specialized modules in neuropsychology, advanced psychopathology, and research methods serve to bolster clinical decision-making and leadership in mental health settings. For those considering advanced academic paths, exploring online PsyD programs accredited by APA may provide a structured framework to secure comprehensive skills that elevate therapeutic practice.

Can engaging in research further advance my therapeutic practice?

Integrating research with clinical practice can refine therapeutic interventions and promote evidence-based methods within the field. Active engagement in research empowers MFTs to assess emerging treatment models, contribute to professional publications, and influence best practices. For practitioners interested in expanding their academic expertise and staying current with industry innovations, pursuing higher academic qualifications—such as online PhD in psychology programs—can offer additional opportunities for leadership and specialized research collaborations.

How can I evaluate the return on investment of an MFT degree?

When considering an MFT degree, it is essential to conduct a thorough return on investment analysis that goes beyond immediate tuition costs. Evaluating ROI includes comparing program fees with projected earnings over time, assessing the value of clinical practicum and internship placements, and analyzing market trends in mental health services. Prospective students should examine the long-term career benefits—such as job growth, geographic demand, and specialization opportunities—in order to determine if the financial commitment aligns with future income expectations. Additionally, exploring cost-effective alternatives like a masters degree counseling online can provide a viable pathway without compromising quality, ensuring a sound professional and financial decision.

How can I build cultural competence in my MFT practice?

A robust strategy for cultural competence is vital in addressing the diverse needs of clients. MFTs can pursue targeted training and specialized workshops that focus on cross-cultural communication, bias awareness, and diversity-sensitive intervention methods. Incorporating case studies and reflective supervision into clinical practice will further refine the ability to navigate cultural nuances effectively. Professionals may also explore additional academic opportunities to enhance these skills by reviewing most affordable online counseling degrees, which offer curricula designed to integrate cultural awareness and inclusivity into their programs.

Can pursuing an accelerated psychology degree enhance my MFT practice?

Integrating an accelerated psychology degree with an MFT credential can broaden clinical perspectives and sharpen evidence-based interventions. This complementary educational approach deepens understanding of neuropsychological principles while fostering advanced analytical skills that inform innovative treatment strategies. Leveraging programs like the fastest psychology degree enables practitioners to rapidly expand their expertise, adapt to emerging mental health trends, and maintain a competitive edge in a dynamically evolving field.

Key Findings

It takes around 6 to 8 years to become a licensed marriage and family therapist.
Salaries for MFTs vary based on location, experience, and specialization, with top earners in states like California making significantly more, with the average being around $58,510.
An MFT degree offers strong job prospects, with a projected 16% growth in employment for MFTs over the next decade.
Financial aid options, including scholarships, federal aid, and private grants, are available to help offset the cost of MFT programs.
Licensing requires completing a master’s degree, supervised clinical hours, passing an exam, and meeting state-specific criteria.

Other things you should know about getting an MFT degree

Are there remote or teletherapy opportunities for MFTs?

Yes, there are remote and teletherapy opportunities available for Marriage and Family Therapists (MFTs), and they have become increasingly popular in recent years. Many therapists now offer virtual counseling sessions through video conferencing platforms, allowing them to reach clients who may not have access to in-person therapy due to geographical limitations, health concerns, or time constraints. Teletherapy offers flexibility and convenience for both therapists and clients, and it can be particularly beneficial for those specializing in areas such as family therapy or couples counseling. As long as MFTs meet state licensure requirements and adhere to confidentiality regulations, they can effectively conduct therapy sessions remotely.

Should I get an MFT degree or a master’s in clinical psychology?

Deciding between an MFT degree and a master's in clinical psychology depends on your career goals and interests. An MFT degree focuses primarily on relationship dynamics, family therapy, and counseling, preparing you to work with couples, families, and individuals in a therapeutic setting. On the other hand, a master's in clinical psychology offers a broader approach, focusing on diagnosing and treating mental health disorders in individuals of all ages, often in settings like hospitals or private practices.

If you are passionate about helping families navigate relational issues, an MFT may be the right choice, while a clinical psychology degree offers a wider scope for treating mental health conditions across various populations. Ultimately, the decision should align with your professional goals, whether you're more inclined toward therapy-based counseling or psychological assessment and treatment.

Is an MFT degree easier or harder than other counseling degrees?

The difficulty of an MFT degree compared to other counseling degrees depends on your interests and strengths. While the core coursework in an MFT program involves topics such as family systems, relational dynamics, and therapy techniques, it may feel more specialized compared to broader counseling degrees like mental health counseling or clinical psychology.

Some students may find the family-focused approach of an MFT program more challenging due to the complexity of dealing with multiple family members and dynamics at once. However, if you have a passion for working with relationships and family therapy, the program may feel more rewarding than other counseling degrees. Ultimately, the perceived difficulty will vary based on your personal interests, career goals, and the specific focus of the degree program.

Can you transition from an MFT to a PhD or PsyD program?

Yes, you can transition from an MFT to a PhD or PsyD program, though it may require additional steps. Since an MFT is a master's-level degree, transitioning to a doctoral program in clinical psychology typically requires meeting certain prerequisites, such as taking extra coursework in areas like research methods, psychological assessment, or other foundational topics not covered in an MFT program. While some students successfully make the transition by gaining additional experience or completing the necessary coursework, it's important to note that doctoral programs may prioritize applicants with a background in psychology or related fields. If you're interested in pursuing a PhD or PsyD, it’s essential to research specific program requirements and consider how your MFT background can complement your future doctoral studies.