Think of getting a degree as being an investment in yourself. By going back to school and taking out these loans you are committing X number of years of your life to making money in your career field and paying back your student loans. College debt is considered "good debt" to have, but lately people are getting degrees in fields that they could spend the rest of their lives trying to pay back the debt. Look at the career field you are tying to break into. What are the job prospects like currently? Think about where you see yourself in the next 5 or even ten years. For example, if you are married and plan on having kids and staying home in the next handful of years, then I would say it's not worth it. Good luck! Lots to think about!