[monroepe]

I see what you are saying and there are definitely certain fields where it makes sense to take on more debt than the $10k-$20k I suggested. I think another factor to take into account is financial maturity. Some people are better situated to handle larger debt than others. I am fairly frugal at this point in my life, but I am not sure I could handle the pressure and the need to budget with an extra $744 payment towards loans every month like mentioned in the article.