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Kekulzor t1_ja3nw8m wrote

I'd do option 1. Going much further into debt sounds detrimental for a potential 10k upside. That gets you earning and out of debt faster.

Benefits like healthcare and a 401k will probably be worth almost just as much or more than the extra 5$ an hour or whatever.

I think my current benefits package accounts for an almost 20% increase to my base salary if you viewed it as an aggregate.

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Original_Bath_5164 OP t1_ja3qqyw wrote

Yeah, of course, and I'm still on my mom's health insurance Until 25. The benefits will also be there with a full-time offer. No 401k would suck for a long time as I want to contribute to that as much as possible early.

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Kekulzor t1_ja3tp77 wrote

You could probably punch all the numbers into excel to calculate the actual payoff / crossovers.

I.e. how much extra debt accrued vs. the potential upside. You also have to factor in years of experience since while you might have a higher starting salary once you have racked up the extra 30k in debt; the other job you have accumulated 2+ years of experience and might be eligible for a promotion or raise or could switch to another company for the same amount of money.

School is losing money. Work is earning money. You really want to do as little school as possible. Those who can do, do. Those who can't teach

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