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vmikeb t1_ja3oc07 wrote

Do the math over the long term, and see what plays out. You have to take into consideration how comfortable you are with taking on debt (personally I’m debt averse, but some people can absolutely sleep well at night while floating 30% DTI).

The guarantee of a better job due to an internship that pays better than a job that might not lead you to better prospects is attractive in my mind. You can always do your own investing in Roth IRAs etc, and if need be buy your own health insurance (or get it from your college).

Look at your goals, see where your loan payoffs get you vs your career path and what you could be earning because of the degree, and remember there’s literally no bad choice here. It’s all a matter of “which good path do I want to take?”

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Original_Bath_5164 OP t1_ja3rqpa wrote

I'm on my mom's health insurance for another year and a half so I'll only be uninsured, for give or take three months.

That's a positive spin on it, I'm just really restless to get my life started, and I don't want that to be my deciding factor.

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vmikeb t1_ja3sez2 wrote

I get it, and it’s tough when you’re on one side of the bridge looking at your options like “I don’t want to mess up! This is the rest of my life!”

But in all reality there are dozens of decisions you can make, and regardless of what you choose, you can always make a different choice if one doesn’t turn out for you. Hell - you can quit your current path, move to Brazil and sell nuts on the freeway, but that’s not a very fun path to pursue compared to the other two you listed 😂

My $0.02 - taking on debt for a bigger paycheck isn’t a terrible idea, just make it the shortest you can make it. You’ll be able to defer loan payments while in school, and afterwards you’ll get paid more which means you can pay down that debt faster. HTH

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