I received my student loan package a few days ago and sent it back to let the school know I accepted. I'm not sure the final loan amounts they'll give me because they had me under full time and I plan to take 6 hours of graduate courses per semester.

I told DH and he said "What does Suze Orman say? Student loans can never be discharged in bankruptcy."

"Its not like we are PLANNING bankruptcy and my student loans are still less than what we've spent on the cars." (My current student loan is only $13500 at 1.65% and we spent $36K on my van)

I'm thinking I may take a student loan out for $10K to cover the rest of my master's program, which still would not be bad to have $23500 on a student loan. But I likely won't need that much. Maybe more like $6000

I cancelled the $81/mo plan with the financial planner and opted to just pay him hourly. So for 2 hours of talking with me, I paid him $300.

I didn't really get much more beyond that. He told me my investments were properly diversified, we are on track to retire in 20 years... he actually told me we are in really good shape, its just the current debt situation seems overwhelming to me but once we get that tackled, we're really in a good position.

I think the most valuable thing he gave me was just reassurance of a plan.

I'm sure in a year or so I'll probably meet again with him just to reassess where we are and action step to get there, but for now we are doing pretty good.

Other than that I am considering homeschooling my daughter. I'm hesitant to make that first big jump so I found a curriculum at $38/mo plus $240 for the materials that I can use the math and language arts to supplement her school... see how that goes and then decide what I want to do.

She's falling behind in areas and I want to make sure I address those.