Welcome! Big debt that one! I know all about educational debt. Originally started my degree in 1996, racked up $25000 in debt over 4 or five years of study WITHOUT even receiving the qualification. Got so sick of paying off the debt and have nothing left to show for it that I quit my OK production management job last year to go back to school. Two subjects left until qualified and it feels good to be nearing completion of the qualification. I imagine you would just about be done also? All the best in life and shaving.