I brought up the "why get a (another) degree only to work for a year or two and then stop working to raise a kid?" Her response was if she didn't do it now, it'd never happen. Plus then she's sure she'd just get right back into it once the kid starts going to school. She's convinced that she'll be able to find a job once she graduates too, and that she'll pay off all the debt within two years. Sounds like pie in the sky to me, but everyone says (including you guys here) that there's no way she doesn't find a job. I am just naturally very leery of statements like that...
We're talking to our respective families to see if they'd be willing to loan us money. Turns out it's not $40K, only $28K. But let's put it this way, that's in the neighborhood of my yearly income. Before taxes. When I think about it that way, surfing the internet and having a Netflix subscription will be huge unaffordable luxuries, not a couple bucks a month to make my life easier. And I would give up those things, and this rant now sounds like a total "First World Problems" meme, but com'on.
This is going to be a fairly stressful 3 years 
