Seeking guidance with financial planning (loans, down payment, more) I've searched through the questions already asked but didn't see anything quite like this. My situation: 1. I am graduating with a very large student loan debt (more than 50k, less than 100k). 2. I have excellent credit. 3. I have no other debt or loans. 4. I have some retirement savings. 5. I don't expect to have a huge salary. 6. I am considering going back for another degree in a year or two--probably one that would result in a significantly higher salary I'm going to move home for a year or two. I am considering using my cost savings to pay off a large portion of my loans. This appeals to me, except for a few reasons: