 you might suddenly be like practice law what was i think and i want to stay home with these babies or i want to do part time or i want to homeschool them my husband my husband lawyer and so that right there knowing that variable is a huge not that i had to give you any more reasons not to go into debt but the worst thing ever would be if you went into debt to get a degree and then you hardly used it for the next 18 years i'm sorry i'm not going to law school