First, congrats on your good progress on paying down your CC debt and increasing your e-fund!About the graduate program... one thing that seems to stick out to me is that you seem to be kinda ambivalent about the opportunity. Are you interested in the MPH because you really like the work? Or it because you think there will be a lot of jobs in the future? Or some other reason? You may have very valid reasons for wanting to do this but have you listed out what they are? Is your main drawback the idea that you will tack on some substantial student loan debt?I have graduate degrees and am still paying back student loans. Last year I did the calculations to figure out how much my (rather long) stint in grad school affected my total career earnings. I earn more annually now with those degrees than I would with no grad school but I also missed out on several years of substantial earnings (and took loans). So my total career earnings will likely be about $200k less than if I didn't go to grad school. Yet I love the work I do, have had opportunities to work on cool projects and in locations that would have not been open to me otherwise. So I would do it again, but if I wasn't really enthused about this line of work then I don't know if the financial and personal sacrifices would have been worth it.
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