What to do? (lenghty rant)

Do it. My achitect qualified friend has chucked it in for fashion retail....she's inspirational.

The worst case senario would be wondering what if? Anything else can all be put down to experience. You're in a secure enough spot that you have nothing to loose.

Good on ya

I think you should do it too

I have two young ones and there are a few Mummies doing it with young kids as well and in actual fact the ones with kids are having no extra problem than the ones without. We also have a woman who is 19 weeks pregnant and going to do second year over two years, in the year above us a woman had twins and is still doing it! In terms of working I don't think being on call is any more inconvenient than doing hospital shifts. You can take a small caseload work 9-3 (apart from the births) so still be there for your future babies.

So yeah totally go for, you get to go to births quite early on so you get a feel for it and decide if it's for you.

Good luck with your decision

I say go for it too. The student loan isn't a biggie, mine was at $40k before I started my degree over summer school (and that's after I've paid approx $15k off it). It just accumulates and you pay it off out of your wages once you earn over a certain threshold. Your savings will come in far handier while you're studying being available for you to use in the event that a big expense comes up, than they would paying off a student loan which doesn't incur interest, nor does it have ongoing payment requirements if you don't have an income.

It also sounds like the best time for you to study, where you don't have to fit it in around babies etc. at the beginning when you're just getting into it. I'm fitting in study around the girls and some days I just feel like I'm hitting my head against a brick wall because they won't sleep, or aren't happy etc. so I can't put the time in.

I'm with everyone else here, go for it if it's calling you!

I've followed this path, left a career to return to university study in my mid-late twenties and do not regret it for a second. The beauty with most tertiary education too is that it is possible to take a break for a semester (or more) if you did find yourself pregnant. I have another four years study to go minimum but am actively (with difficulty unfortunately) ttc now. I think it is absolutely possible with good management to have the best of both works.

And I'm with those that say to put this loan on top of the old one and not pay the 9K back yet, you're far better off taking advantage of the interest free terms as they are.