I have 35 yrs exp in human services. I would most definitely get hooked into the National Student Loan Repayment Program. In only three yrs you can get about 75k or more forgiven. Then go from there. This approach will make a tremendous difference in stress levels and outlook on life. You will be able to be there for yourself and your family much better.
Plan for payment plan with your student loan
Work-life balance and learning
